{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-086225","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2022-08-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.044080+00:00","generated_at":"2026-06-24T04:37:03.818418+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"United Bancorp Q2 EPS $0.40, net income up 5.2% YoY; net interest margin expands","bullets":["Diluted EPS $0.40; net income $2.297M (up 5.2% YoY). Six-month EPS $0.70; net income $4.048M (down 1.1%).","Net interest income rose 7.4% YoY to $5.96M; net interest margin improved 9 bps to 3.54%.","Gross loans up $8.7M (1.9%) to $467.4M; securities up $45.6M (30.7%) to $193.9M.","Credit reserve release of $485K in Q2; nonaccrual loans $4.0M (0.86% of loans).","Cash dividends increased $0.07 YoY (18.1%) including $0.15 special; book value fell 19.3% to $9.65."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-086225","json":"https://secwatch.observer/filing/0001104659-22-086225.json","markdown":"https://secwatch.observer/filing/0001104659-22-086225.md","text":"https://secwatch.observer/filing/0001104659-22-086225.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000110465922086225/0001104659-22-086225-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000110465922086225/tm2222502d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T04:37:03.818418+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"}