Performance Ratios (%) UBOH Peer Median Peer Average
ROAA 0.84 1.40 1.41
ROAE 8.77 11.24 11.16
Net Interest Margin 3.97 3.96 3.99
Efficiency Ratio 72.57 61.16 62.86
Loans / Deposits 83.41 93.80 92.78
Asset Quality Ratios (%)
NPAs / Assets 0.27 0.42 0.53
NCOs / Avg Loans (0.03) 0.02 0.02
Reserves / Loans 0.59 1.01 0.99
Reserves / NPAs 150.50 190.84 245.15
Capital Ratios (%)
Tier 1 Capital NA 12.84 13.55
Tangible Equity / Tangible Assets 6.03 11.32 11.14
Total Equity / Total Assets 9.44 12.84 12.99
Market Ratios
Price / Earnings (x) 10.56 10.86 13.78
Price / Book (%) 91.55 116.39 147.94
Dividend Yield (%) 2.23 2.32 2.36
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 9/30/2018.

Peer financial data is as of 9/30/2018
The Union Bank Co.

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