Peer Analysis

Performance Ratios (%) UBCP Peer Median Peer Average
ROAA 0.85 1.14 1.00
ROAE 8.76 10.22 9.19
Net Interest Margin 3.79 3.72 3.71
Efficiency Ratio 70.37 61.21 63.92
Loans / Deposits 91.69 87.56 83.43
Asset Quality Ratios (%)
NPAs / Assets 0.38 0.70 0.74
NCOs / Avg Loans 0.09 0.05 0.17
Reserves / Loans 0.57 0.94 1.08
Reserves / NPAs 115.43 97.26 116.13
Capital Ratios (%)
Tier 1 Capital 11.97 13.03 13.87
Tangible Equity / Tangible Assets 9.07 9.28 9.77
Total Equity / Total Assets 9.07 10.52 10.43
Market Ratios
Price / Earnings (x) 17.30 15.95 17.37
Price / Book (%) 164.98 146.14 158.39
Dividend Yield (%) 3.95 2.14 1.99
Data for trailing four quarters

United Bancorp, Inc.'s peer group consists of the following: Commercial Bancshares, Inc. (CMOH), Croghan Bancshares, Inc. (CHBH), Farmers & Merchants Bancorp, Inc. (FMAO), First West Virginia Bancorp, Inc. (FWVB), FNB, Inc. (FIDS), Heartland BancCorp (HLAN), Hocking Valley Bancshares, Inc. (HCKG), Killbuck Bancshares, Inc. (KLIB), Middlefield Banc Corp. (MBCN), National Bancshares Corporation (NBOH), Ohio Legacy Corp (OLCB), Peoples Bancorp Inc. (PEBO), Wayne Savings Bancshares, Inc. (WAYN)

United Bancorp, Inc.'s financial data is as of 3/31/2018.

Peer financial data is as of 3/31/2018 except for these companies:

National Bancshares Corporation's financial data is as of 3/31/2015.
First West Virginia Bancorp, Inc.'s financial data is as of 12/31/2017.
Commercial Bancshares, Inc.'s financial data is as of 9/30/2016.
FNB, Inc.'s financial data is as of 12/31/2017.
Hocking Valley Bancshares, Inc.'s financial data is as of 12/31/2017.
Ohio Legacy Corp's financial data is as of 12/31/2016.