Peer Analysis

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Performance Ratios (%) OPBK Peer Median Peer Average
ROAA 1.03 0.62 0.32
ROAE 9.35 5.90 3.49
Net Interest Margin 3.72 2.86 3.06
Efficiency Ratio 57.12 69.70 79.88
Loans / Deposits 91.64 84.08 80.13
Asset Quality Ratios (%)
NPAs / Assets 0.07 0.02 0.02
NCOs / Avg Loans 0.00 0.02 0.10
Reserves / Loans 1.36 1.42 1.65
Reserves / NPAs NA NA NA
Capital Ratios (%)
Tier 1 Capital 13.56 15.30 16.40
Tangible Equity / Tangible Assets 10.46 11.48 10.78
Total Equity / Total Assets 10.49 9.74 9.90
Market Ratios
Price / Earnings (x) 12.16 12.80 14.19
Price / Book (%) 108.31 80.38 79.32
Dividend Yield (%) 2.71 0.00 0.25
Data for trailing four quarters

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

OP Bancorp's financial data is as of 12/31/2020.

Peer financial data is as of 12/31/2020
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