{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-056488","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2022-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.511861+00:00","generated_at":"2026-06-26T00:07:51.076096+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Q1 EPS $0.31 vs $0.33 record; net income $1.75M; NII up 3.7% but expenses jump 14.9%","bullets":["Diluted EPS $0.31 and net income $1.75M vs $0.33/$1.91M in record Q1 2021.","Net interest income rose $198k (+3.7%) as expense fell 37.3%; NIM 3.45% (down 4 bps).","Noninterest income $987k (+6.5%); noninterest expense $661k (+14.9%) driven by staffing and wages.","Credit quality: nonaccrual/30+ day past due $4.2M (0.9% of loans); net recovery of $29k; $500k reserve release.","Book value $10.79 (down 3.5%) due to rate-driven AOCI hit; total equity $63.9M (8.7% of assets)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-056488","json":"https://secwatch.observer/filing/0001104659-22-056488.json","markdown":"https://secwatch.observer/filing/0001104659-22-056488.md","text":"https://secwatch.observer/filing/0001104659-22-056488.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000110465922056488/0001104659-22-056488-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000110465922056488/tm2214638d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T00:07:51.076096+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}