Performance Ratios (%) UBOH Peer Median Peer Average
ROAA 1.02 1.40 1.39
ROAE 10.72 10.83 10.82
Net Interest Margin 3.97 3.97 4.00
Efficiency Ratio 72.43 60.83 62.75
Loans / Deposits 84.30 93.70 93.86
Asset Quality Ratios (%)
NPAs / Assets NA 0.43 0.49
NCOs / Avg Loans (0.05) 0.04 0.03
Reserves / Loans 0.62 0.98 0.97
Reserves / NPAs NA 176.05 238.24
Capital Ratios (%)
Tier 1 Capital NA 12.21 12.21
Tangible Equity / Tangible Assets 6.42 11.42 11.24
Total Equity / Total Assets 9.75 13.03 13.05
Market Ratios
Price / Earnings (x) 9.01 13.03 13.96
Price / Book (%) 91.36 130.25 142.76
Dividend Yield (%) 2.30 2.17 2.40
Data for trailing four quarters

United Bancshares, Inc.'s peer group consists of the following: Croghan Bancshares, Inc. (CHBH), Farmers & Merchants Bancorp, Inc. (FMAO), First Defiance Financial Corp. (FDEF), SB Financial Group, Inc. (SBFG)

United Bancshares, Inc.'s financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018
The Union Bank Co.

105 Progressive Drive
Columbus Grove, OH 45830
(800) 837-8111
Routing Number - 041213759