{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-114061","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2022-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.400012+00:00","generated_at":"2026-06-22T10:24:38.547241+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"United Bancorp Q3 EPS $0.40, down $0.10 YoY; NII up 13.6% on balance-sheet mix shift","bullets":["Q3 net income $2.3M ($0.40 diluted EPS) vs $2.9M ($0.50) a year ago; prior year included $1.25M security gain and $400k negative provision.","Net interest income rose $764k (+13.6%) as interest income grew $1.1M (+17.1%) on higher-yielding loans and securities.","Total deposits $650.1M (+6.8% YoY); net interest margin improved 6 bps to 3.60% linked quarter.","Book value fell to $8.98 from $11.74 due to $14.5M AOCI loss on securities portfolio in rising-rate environment.","Credit quality remained stable: non-accrual loans $4.0M (0.86% of loans), 95% one relationship; net charge-offs under $1,000."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-114061","json":"https://secwatch.observer/filing/0001104659-22-114061.json","markdown":"https://secwatch.observer/filing/0001104659-22-114061.md","text":"https://secwatch.observer/filing/0001104659-22-114061.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000110465922114061/0001104659-22-114061-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000110465922114061/tm2229534d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T10:24:38.547241+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"}