Peer Analysis

Performance Ratios (%) UBAB Peer Median Peer Average
ROAA 1.65 1.01 0.89
ROAE 14.90 8.21 8.17
Net Interest Margin 3.71 3.46 3.63
Efficiency Ratio 68.31 70.00 70.36
Loans / Deposits 71.51 66.44 69.43
Asset Quality Ratios (%)
NPAs / Assets NA 0.24 0.47
NCOs / Avg Loans 0.10 0.03 0.06
Reserves / Loans 1.27 1.13 1.17
Reserves / NPAs NA 442.81 402.75
Capital Ratios (%)
Tier 1 Capital 17.66 14.53 15.68
Tangible Equity / Tangible Assets 10.59 9.94 10.29
Total Equity / Total Assets 10.59 10.07 10.54
Market Ratios
Price / Earnings (x) 5.70 9.46 10.80
Price / Book (%) 78.08 80.77 80.94
Dividend Yield (%) 1.00 2.71 2.53
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 9/30/2020.

Peer financial data is as of 9/30/2020 except for these companies:

SouthCrest Financial Group, Inc.'s financial data is as of 9/30/2020.
Pinnacle Bancshares, Inc.'s financial data is as of 9/30/2020.

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