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Peer Analysis

Performance Ratios (%) PDOB Peer Median Peer Average
ROAA 1.42 0.99 0.81
ROAE 14.50 9.39 7.17
Net Interest Margin 4.34 4.07 4.10
Efficiency Ratio 55.89 64.24 76.61
Loans / Deposits 93.70 101.35 95.37
Asset Quality Ratios (%)
NPAs / Assets 0.43 0.22 1.04
NCOs / Avg Loans 0.00 (0.01) (0.16)
Reserves / Loans 1.05 1.34 1.80
Reserves / NPAs 198.59 470.99 464.78
Capital Ratios (%)
Tier 1 Capital 10.03 12.71 15.87
Tangible Equity / Tangible Assets 10.28 11.08 12.75
Total Equity / Total Assets 10.28 11.18 12.86
Market Ratios
Price / Earnings (x) 13.96 12.63 13.33
Price / Book (%) 178.80 136.60 139.68
Dividend Yield (%) 0.00 0.00 0.44
Data for trailing four quarters

Presidio Bank's peer group consists of the following: 1st Capital Bank (FISB), AltaPacific Bancorp (ABNK), Avidbank Holdings, Inc. (AVBH), Orange County Business Bank (OCBB), Pan Pacific Bank (PPFC), Partners Bank of California (PBKX), Pinnacle Bank (PBNK), Summit State Bank (SSBI), Valley Community Bank (VCBC)

Presidio Bank's financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

Valley Community Bank's financial data is as of 12/31/2014.
Orange County Business Bank's financial data is as of 12/31/2015.
Pan Pacific Bank's financial data is as of 9/30/2015.