{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-114854","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2024-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.938954+00:00","generated_at":"2026-05-30T04:56:52.155939+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":"UBCP Q3 2024 EPS $0.31, net income down 24% YoY; margin compresses to 3.50%","bullets":["Q3 diluted EPS $0.31, net income $1.82M; YoY net income down $573K, EPS down $0.11; linked-quarter net income up 4.6%.","Net interest margin fell to 3.50% from 3.63% YoY; net interest income down 4.6% to $18.5M; interest expense surged 40.7%.","Credit stable: nonaccrual loans 0.21% of gross loans; NPA/assets 0.46%; allowance for credit losses 0.84% of loans.","Tangible book value per share up 23.6% YoY to $10.84; total shareholders' equity $65.5M; forward dividend yield 6.4%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-114854","json":"https://secwatch.observer/filing/0001104659-24-114854.json","markdown":"https://secwatch.observer/filing/0001104659-24-114854.md","text":"https://secwatch.observer/filing/0001104659-24-114854.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000110465924114854/0001104659-24-114854-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000110465924114854/tm2427669d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T04:56:52.155939+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"}