Performance Ratios (%) UBOH Peer Median Peer Average
ROAA 1.01 1.34 1.33
ROAE 10.52 10.05 10.21
Net Interest Margin 3.83 3.98 4.01
Efficiency Ratio 72.90 61.57 63.43
Loans / Deposits 82.12 93.53 92.67
Asset Quality Ratios (%)
NPAs / Assets 0.24 0.45 0.49
NCOs / Avg Loans (0.04) 0.05 0.05
Reserves / Loans 0.63 0.97 0.91
Reserves / NPAs 177.76 165.42 197.97
Capital Ratios (%)
Tier 1 Capital NA 12.23 12.23
Tangible Equity / Tangible Assets 6.67 11.50 11.02
Total Equity / Total Assets 9.91 13.52 13.53
Market Ratios
Price / Earnings (x) 8.57 12.44 13.94
Price / Book (%) 83.36 122.76 124.58
Dividend Yield (%) 2.42 2.36 2.50
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 3/31/2019.

Peer financial data is as of 3/31/2019
The Union Bank Co.

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