Peer Analysis
Performance Ratios (%) UCFC Peer Median Peer Average
ROAA 1.34 1.30 1.30
ROAE 11.98 11.36 11.74
Net Interest Margin 3.38 3.78 3.78
Efficiency Ratio 56.56 59.11 59.45
Loans / Deposits 97.65 92.33 92.29
Asset Quality Ratios (%)
NPAs / Assets NA 0.53 0.67
NCOs / Avg Loans 0.07 0.07 0.07
Reserves / Loans 0.88 0.91 0.88
Reserves / NPAs NA 106.82 156.58
Capital Ratios (%)
Tier 1 Capital NA 12.92 13.22
Tangible Equity / Tangible Assets 10.28 9.48 9.75
Total Equity / Total Assets 11.03 11.33 11.48
Market Ratios
Price / Earnings (x) 12.51 13.12 13.47
Price / Book (%) 144.83 138.71 145.67
Dividend Yield (%) 3.00 2.61 2.52
Data for trailing four quarters

United Community Financial Corp.'s peer group consists of the following: BankFinancial Corporation (BFIN), Civista Bancshares, Inc. (CIVB), Farmers National Banc Corp. (FMNB), First Defiance Financial Corp. (FDEF), First Financial Corporation (THFF), First Mid-Illinois Bancshares, Inc. (FMBH), German American Bancorp, Inc. (GABC), Horizon Bancorp, Inc. (HBNC), Independent Bank Corporation (IBCP), Lakeland Financial Corporation (LKFN), LCNB Corp. (LCNB), Macatawa Bank Corporation (MCBC), Mercantile Bank Corporation (MBWM), MutualFirst Financial, Inc. (MFSF), Old Second Bancorp, Inc. (OSBC), Peoples Bancorp Inc. (PEBO), QCR Holdings, Inc. (QCRH), Stock Yards Bancorp, Inc. (SYBT)

United Community Financial Corp.'s financial data is as of 3/31/2019.

Peer financial data is as of 3/31/2019 except for these companies:

Mercantile Bank Corporation's financial data is as of 3/31/2019.
BankFinancial Corporation's financial data is as of 3/31/2019.
LCNB Corp.'s financial data is as of 3/31/2019.