Peer Analysis

Performance Ratios (%) UBFO Peer Median Peer Average
ROAA 0.98 0.76 0.71
ROAE 7.88 8.45 8.10
Net Interest Margin 4.11 3.78 3.77
Efficiency Ratio 61.26 67.02 66.56
Loans / Deposits 84.36 86.07 83.32
Asset Quality Ratios (%)
NPAs / Assets 2.40 0.15 0.48
NCOs / Avg Loans 0.15 0.00 0.07
Reserves / Loans 1.56 1.27 1.26
Reserves / NPAs 47.15 218.41 345.08
Capital Ratios (%)
Tier 1 Capital 16.01 12.71 12.61
Tangible Equity / Tangible Assets 11.76 8.58 8.92
Total Equity / Total Assets 12.27 8.92 9.20
Market Ratios
Price / Earnings (x) 16.93 15.05 17.43
Price / Book (%) 128.76 133.23 130.41
Dividend Yield (%) 0.00 0.00 0.31
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 12/31/2016.

Peer financial data is as of 12/31/2016 except for these companies:

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.