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Peer Analysis

Performance Ratios (%) UNB Peer Median Peer Average
ROAA 1.30 0.93 0.85
ROAE 15.61 10.92 9.20
Net Interest Margin 4.05 2.97 3.40
Efficiency Ratio 67.02 61.80 63.75
Loans / Deposits 90.22 97.06 89.91
Asset Quality Ratios (%)
NPAs / Assets NA 1.30 1.45
NCOs / Avg Loans 0.06 0.06 0.08
Reserves / Loans 0.90 0.90 0.92
Reserves / NPAs NA 165.65 255.48
Capital Ratios (%)
Tier 1 Capital NA 12.98 12.39
Tangible Equity / Tangible Assets 7.97 7.74 8.39
Total Equity / Total Assets 8.23 9.25 9.25
Market Ratios
Price / Earnings (x) 13.51 11.90 12.17
Price / Book (%) 200.07 120.87 116.03
Dividend Yield (%) 3.98 2.31 2.33
Data for trailing four quarters

Union Bankshares, Inc.'s peer group consists of the following: Bar Harbor Bankshares (BHB), Century Bancorp, Inc. (CNBK.A), Community Bancorp. (CMTV), Enterprise Bancorp, Inc. (EBTC), First Bancorp, Inc. (FNLC), Merchants Bancshares, Inc. (MBVT), Northeast Bank (NBN), Patriot National Bancorp, Inc. (PNBK)

Union Bankshares, Inc.'s financial data is as of 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

Merchants Bancshares, Inc.'s financial data is as of 3/31/2017.
Patriot National Bancorp, Inc.'s financial data is as of 9/30/2019.