Peer Analysis

Performance Ratios (%) UBFO Peer Median Peer Average
ROAA 1.39 0.91 0.90
ROAE 11.24 9.32 9.75
Net Interest Margin 4.34 4.14 3.93
Efficiency Ratio 55.18 62.39 62.22
Loans / Deposits 74.16 89.00 86.17
Asset Quality Ratios (%)
NPAs / Assets 2.43 0.12 0.32
NCOs / Avg Loans (0.22) 0.00 (0.03)
Reserves / Loans 1.52 1.30 1.23
Reserves / NPAs 40.04 107.21 226.42
Capital Ratios (%)
Tier 1 Capital 16.94 13.52 14.14
Tangible Equity / Tangible Assets 11.40 9.47 10.10
Total Equity / Total Assets 11.84 10.15 10.24
Market Ratios
Price / Earnings (x) 15.43 15.65 15.40
Price / Book (%) 170.54 143.51 146.41
Dividend Yield (%) 3.70 0.00 0.36
Data for trailing four quarters

United Security Bancshares's peer group consists of the following: 1st Century Bancshares, Inc. (FCTY), Bank of Commerce Holdings (BOCH), Bank of Santa Clarita (BSCA), Bank of Southern California, National Association (BCAL), Communities First Financial Corporation (CFST), Cornerstone Community Bancorp (CRSB), Redwood Capital Bancorp (RWCB), Security California Bancorp (SCAF), Valley Commerce Bancorp (VCBP)

United Security Bancshares's financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

Bank of Commerce Holdings's financial data is as of 6/30/2018.
Bank of Southern California, National Association's financial data is as of 6/30/2018.
Valley Commerce Bancorp's financial data is as of 12/31/2016.
Redwood Capital Bancorp's financial data is as of 6/30/2018.
1st Century Bancshares, Inc.'s financial data is as of 3/31/2016.
Security California Bancorp's financial data is as of 12/31/2015.