Peer Analysis

Performance Ratios (%) UBCP Peer Median Peer Average
ROAA 0.92 1.12 1.06
ROAE 10.05 10.68 9.77
Net Interest Margin 3.76 3.76 3.73
Efficiency Ratio 69.49 61.66 63.48
Loans / Deposits 90.53 93.13 87.07
Asset Quality Ratios (%)
NPAs / Assets 0.32 0.63 0.62
NCOs / Avg Loans 0.11 0.05 0.17
Reserves / Loans 0.51 0.94 1.01
Reserves / NPAs 119.14 105.54 157.17
Capital Ratios (%)
Tier 1 Capital 11.56 13.58 14.55
Tangible Equity / Tangible Assets 8.59 9.04 9.73
Total Equity / Total Assets 8.59 10.30 10.48
Market Ratios
Price / Earnings (x) 15.42 14.35 15.25
Price / Book (%) 161.42 134.56 159.22
Dividend Yield (%) 3.97 2.54 2.27
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. (FWV), Heartland BancCorp (HLAN), 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 9/30/2018.

Peer financial data is as of 9/30/2018 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 3/31/2018.
Commercial Bancshares, Inc.'s financial data is as of 9/30/2016.
Killbuck Bancshares, Inc.'s financial data is as of 6/30/2018.
Ohio Legacy Corp's financial data is as of 12/31/2016.