{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-007277","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2023-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:47.928724+00:00","generated_at":"2026-06-20T07:32:19.033843+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"United Bancorp Q4 2022 EPS $0.40, down $0.01 YoY; FY EPS $1.50, down $0.12","bullets":["Net income Q4 2022 $2.306M ($0.40 diluted EPS) vs $2.456M ($0.41) in Q4 2021.","Full-year 2022 net income $8.657M ($1.50 diluted EPS), second highest in company history.","Net interest margin expanded 19 bps to 3.67%; net interest income up 10.3% for the year.","Total assets grew 4.6% to $757.4M; deposits up 7.4% to $649.9M; non-accrual loans only 0.04% of loans.","Book value declined due to $9.3M AOCI loss; well-capitalized with equity/assets of 7.9%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-007277","json":"https://secwatch.observer/filing/0001104659-23-007277.json","markdown":"https://secwatch.observer/filing/0001104659-23-007277.md","text":"https://secwatch.observer/filing/0001104659-23-007277.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000110465923007277/0001104659-23-007277-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000110465923007277/tm234572d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T07:32:19.033843+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":[{"claim_id":"2b97a4a135bbdbc0ac99d5691e31627bde6f4213","claim":"UNITED BANCORP INC /OH/ reported the three months ended December 31, 2022 results: net income $2,306,000, EPS $0.40.","evidence_excerpt":"United Bancorp, Inc. (NASDAQ: UBCP) reported diluted earnings per share of $0.40 and net income of $2,306,000 for the three months ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/731653/000110465923007277/0001104659-23-007277-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended December 31, 2022"},{"label":"Net income","value":"$2,306,000"},{"label":"EPS","value":"$0.40"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"b900d571bb362f32670a0624683f2788325e94c7","claim":"UNITED BANCORP INC /OH/ reported the year, ended December 31, 2022 results: net income $8,657,000, EPS $1.50.","evidence_excerpt":"For the year, ended December 31, 2022, UBCP reported diluted earnings per share of $1.50 and net income of $8,657,000.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/731653/000110465923007277/0001104659-23-007277-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year, ended December 31, 2022"},{"label":"Net income","value":"$8,657,000"},{"label":"EPS","value":"$1.50"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}