Peer Analysis

Performance Ratios (%) UBAB Peer Median Peer Average
ROAA 1.34 0.94 0.92
ROAE 15.10 8.81 8.53
Net Interest Margin 4.05 3.68 3.86
Efficiency Ratio 70.92 72.40 70.95
Loans / Deposits 73.29 76.58 75.53
Asset Quality Ratios (%)
NPAs / Assets NA 0.27 0.58
NCOs / Avg Loans 0.14 0.02 0.08
Reserves / Loans 1.07 1.02 1.10
Reserves / NPAs NA 188.94 266.94
Capital Ratios (%)
Tier 1 Capital 17.14 14.79 14.84
Tangible Equity / Tangible Assets 11.33 11.16 10.92
Total Equity / Total Assets 11.33 11.08 11.20
Market Ratios
Price / Earnings (x) 8.56 14.40 14.57
Price / Book (%) 127.07 110.94 116.92
Dividend Yield (%) 0.50 2.08 2.30
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 9/30/2019.

Peer financial data is as of 9/30/2019 except for these companies:

Pinnacle Bancshares, Inc.'s financial data is as of 12/31/2019.

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