Union Bank

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Peer Analysis
Performance Ratios (%) UNB Peer Median Peer Average
ROAA 1.33 0.81 0.90
ROAE 16.86 10.92 9.35
Net Interest Margin 3.49 3.01 3.27
Efficiency Ratio 63.12 60.58 63.21
Loans / Deposits NA 91.54 88.72
Asset Quality Ratios (%)
NPAs / Assets NA 0.80 1.55
NCOs / Avg Loans NA 0.07 0.05
Reserves / Loans NA 1.06 1.08
Reserves / NPAs NA 98.66 119.74
Capital Ratios (%)
Tier 1 Capital NA 12.40 12.68
Tangible Equity / Tangible Assets 7.16 7.42 8.05
Total Equity / Total Assets 7.35 8.32 8.87
Market Ratios
Price / Earnings (x) 9.64 9.94 9.78
Price / Book (%) 152.80 109.71 101.61
Dividend Yield (%) 4.64 2.78 2.57
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., Northeast Bank (NBN), Patriot National Bancorp, Inc. (PNBK)

Union Bankshares, Inc.'s financial data is as of 12/31/2020.

Peer financial data is as of 12/31/2020 except for these companies:

Century Bancorp, Inc.'s financial data is as of 12/31/2020.
Merchants Bancshares, Inc.'s financial data is as of 3/31/2017.
First Bancorp, Inc.'s financial data is as of 12/31/2020.
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