Peer Analysis

Performance Ratios (%) UBAB Peer Median Peer Average
ROAA 1.89 0.90 0.88
ROAE 16.70 8.49 8.06
Net Interest Margin 3.89 3.60 3.72
Efficiency Ratio 69.59 69.96 70.21
Loans / Deposits 66.45 68.40 70.08
Asset Quality Ratios (%)
NPAs / Assets NA 0.97 0.94
NCOs / Avg Loans 0.13 0.03 0.07
Reserves / Loans 1.22 1.12 1.13
Reserves / NPAs NA 58.00 87.35
Capital Ratios (%)
Tier 1 Capital 17.75 14.25 15.16
Tangible Equity / Tangible Assets 10.41 10.32 10.30
Total Equity / Total Assets 10.41 10.46 10.56
Market Ratios
Price / Earnings (x) 5.59 9.31 11.17
Price / Book (%) 83.28 76.37 82.41
Dividend Yield (%) 0.96 2.78 2.60
Data for trailing four quarters

United Bancorporation of Alabama, Inc.'s peer group consists of the following: Auburn National Bancorporation, Inc. (AUBN), Citizens Bancshares Corporation (CZBS), First Farmers and Merchants Corporation (FFMH), First US Bancshares, Inc. (FUSB), Merchants & Marine Bancorp, Inc. (MNMB), Pinnacle Bancshares, Inc. (PCLB), SouthCrest Financial Group, Inc. (SCSG), Southern Community Bancshares, Inc. (SCBS)

United Bancorporation of Alabama, Inc.'s financial data is as of 6/30/2020.

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

Citizens Bancshares Corporation's financial data is as of 3/31/2020.
Southern Community Bancshares, Inc.'s financial data is as of 3/31/2020.
Merchants & Marine Bancorp, Inc.'s financial data is as of 3/31/2020.

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