Peer Analysis

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Performance Ratios (%) Opus Bank Peer Median Peer Average
ROAA (0.43) 1.01 0.97
ROAE (3.13) 8.21 8.23
Net Interest Margin 2.83 3.45 3.48
Efficiency Ratio 61.33 55.91 54.44
Loans / Deposits 89.37 87.59 83.59
Asset Quality Ratios (%)
NPAs / Assets 0.07 0.42 0.50
NCOs / Avg Loans 0.17 0.08 0.10
Reserves / Loans 0.86 1.44 1.42
Reserves / NPAs 891.69 204.11 248.50
Capital Ratios (%)
Tier 1 Capital 12.14 12.42 12.97
Tangible Equity / Tangible Assets 9.09 9.13 9.39
Total Equity / Total Assets 12.00 11.66 11.33
Market Ratios
Price / Earnings (x) NA 13.28 15.90
Price / Book (%) NA 96.09 110.37
Dividend Yield (%) NA 3.71 3.63
Data for trailing four quarters

Opus Bank's peer group consists of the following: Banc of California, Inc. (BANC), Bank of Hawaii Corporation (BOH), Banner Corporation (BANR), Cathay General Bancorp (CATY), Central Pacific Financial Corp. (CPF), Columbia Banking System, Inc. (COLB), CVB Financial Corp. (CVBF), Dime Community Bancshares, Inc. (DCOM), First Financial Bankshares, Inc. (FFIN), Hanmi Financial Corporation (HAFC), Heritage Financial Corporation (HFWA), HomeStreet, Inc. (HMST), Hope Bancorp, Inc. (HOPE), National Bank Holdings Corporation (NBHC), Pacific Premier Bancorp, Inc. (PPBI), Preferred Bank (PFBC), TriCo Bancshares (TCBK), Washington Federal, Inc. (WAFD), Westamerica Bancorporation (WABC), Western Alliance Bancorporation (WAL)

Opus Bank's financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 except for these companies:

Bank of Hawaii Corporation's financial data is as of 6/30/2020.
Cathay General Bancorp's financial data is as of 6/30/2020.
Central Pacific Financial Corp.'s financial data is as of 6/30/2020.
TriCo Bancshares's financial data is as of 6/30/2020.
Columbia Banking System, Inc.'s financial data is as of 6/30/2020.
Dime Community Bancshares, Inc.'s financial data is as of 6/30/2020.
HomeStreet, Inc.'s financial data is as of 6/30/2020.
Pacific Premier Bancorp, Inc.'s financial data is as of 6/30/2020.
Hanmi Financial Corporation's financial data is as of 6/30/2020.