{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-087335","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2024-08-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.741897+00:00","generated_at":"2026-05-31T11:25:09.100174+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"United Bancorp Q2 2024 EPS $0.30, net income down 24% YoY; net interest margin 3.54%","bullets":["Diluted EPS $0.30 for Q2 2024, down $0.10 YoY from $0.40; net income $1.739M vs $2.279M.","First-half 2024 EPS $0.64, down $0.09 YoY; net income $3.732M vs $4.168M.","Net interest margin 3.54%, up 8 bps linked quarter but down 4 bps YoY; net interest income declined $143K QoQ.","Provision for credit losses $104K for Q2, reversing negative provision from prior year; reduced EPS by ~$0.04.","Nonaccrual loans $1.15M (0.24% of loans), up $463K YoY but down $284K linked quarter; NPA/assets 0.46%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-087335","json":"https://secwatch.observer/filing/0001104659-24-087335.json","markdown":"https://secwatch.observer/filing/0001104659-24-087335.md","text":"https://secwatch.observer/filing/0001104659-24-087335.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000110465924087335/0001104659-24-087335-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000110465924087335/tm2421155d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T11:25:09.100174+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"}