Performance Ratios (%) PBCO Peer Median Peer Average
ROAA 1.13 1.03 1.02
ROAE 10.74 9.93 10.07
Net Interest Margin 4.55 4.29 4.42
Efficiency Ratio 71.97 70.40 69.17
Loans / Deposits 94.03 88.12 85.09
Asset Quality Ratios (%)
NPAs / Assets 1.62 0.30 0.46
NCOs / Avg Loans 0.00 0.01 0.06
Reserves / Loans 1.07 1.28 1.25
Reserves / NPAs 52.15 181.36 291.03
Capital Ratios (%)
Tier 1 Capital 11.67 13.27 13.72
Tangible Equity / Tangible Assets 10.41 10.13 10.33
Total Equity / Total Assets 11.25 10.65 10.50
Market Ratios
Price / Earnings (x) 7.85 8.64 10.55
Price / Book (%) 83.09 83.57 88.34
Dividend Yield (%) 0.00 0.00 1.77
Data for trailing four quarters

People's Bank of Commerce's peer group consists of the following: BEO Bancorp (BEOB), Capital Pacific Bancorp, CenterPointe Community Bank, Citizens Bancorp (CZBC), Clatsop Community Bank, Oregon Pacific Bancorp (ORPB), Pacific Financial Corporation (PFLC), Siuslaw Financial Group, Inc., Summit Bank (SBKO), Willamette Community Bank (WMCB)

People's Bank of Commerce's financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

Siuslaw Financial Group, Inc.'s financial data is as of 12/31/2014.
CenterPointe Community Bank's financial data is as of 6/30/2017.
Clatsop Community Bank's financial data is as of 3/31/2019.
Capital Pacific Bancorp's financial data is as of 12/31/2014.