Performance Ratios (%) PBCO Peer Median Peer Average
ROAA 1.24 1.00 0.92
ROAE 11.24 9.70 9.35
Net Interest Margin 4.18 4.17 4.20
Efficiency Ratio 65.93 69.52 68.70
Loans / Deposits 89.79 80.34 82.05
Asset Quality Ratios (%)
NPAs / Assets NA 0.28 0.36
NCOs / Avg Loans 0.00 0.02 0.08
Reserves / Loans 1.11 1.25 1.33
Reserves / NPAs NA 369.21 342.54
Capital Ratios (%)
Tier 1 Capital NA 13.86 14.83
Tangible Equity / Tangible Assets 9.27 9.37 9.75
Total Equity / Total Assets 9.91 9.56 9.56
Market Ratios
Price / Earnings (x) 7.50 8.20 11.27
Price / Book (%) 78.24 73.08 87.43
Dividend Yield (%) 0.00 0.00 1.39
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 6/30/2020.

Peer financial data is as of 6/30/2020 except for these companies:

Citizens Bancorp's financial data is as of 3/31/2020.
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.