Peer Analysis

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Performance Ratios (%) OPBK Peer Median Peer Average
ROAA 1.13 0.67 0.18
ROAE 10.63 3.49 0.38
Net Interest Margin 4.61 3.80 3.83
Efficiency Ratio 58.75 71.09 94.71
Loans / Deposits 96.73 91.36 92.35
Asset Quality Ratios (%)
NPAs / Assets 0.12 0.25 0.25
NCOs / Avg Loans 0.01 (0.02) (0.02)
Reserves / Loans 1.20 1.45 1.58
Reserves / NPAs 881.29 NA NA
Capital Ratios (%)
Tier 1 Capital 12.26 15.14 15.34
Tangible Equity / Tangible Assets 10.15 12.51 11.49
Total Equity / Total Assets 10.15 10.86 10.12
Market Ratios
Price / Earnings (x) 19.70 14.73 21.20
Price / Book (%) 187.45 122.29 112.50
Dividend Yield (%) 0.00 0.00 3.25
Data for trailing four quarters

OP Bancorp's peer group consists of the following: California Business Bank (CABB), Community Bank of the Bay (CBYAA), Mission Valley Bancorp (MVLY), Northern California Bancorp, Inc. (NRLB), Pacific Alliance Bank (PFBN)

OP Bancorp's financial data is as of 12/31/2017.

Peer financial data is as of 12/31/2017 except for these companies:

Pacific Alliance Bank's financial data is as of 3/31/2018.
California Business Bank's financial data is as of 3/31/2018.
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