{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-010554","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2025-02-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.226387+00:00","generated_at":"2026-05-27T01:14:15.377441+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"United Bancorp reports Q4 net income $1.85M, EPS $0.31; FY net income $7.4M, EPS $1.27","bullets":["Q4 net income $1.85M, down $539k YoY; diluted EPS $0.31, down $0.11 from Q4 2023.","FY 2024 net income $7.402M, down $1.548M YoY; diluted EPS $1.27, down $0.30 from FY 2023.","Net interest margin declined 14 bps to 3.51%; provision for credit loss expense $299k (vs reversal in 2023).","Gross loans increased $16M linked-quarter (13.4% annualized); total assets $820.8M."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-010554","json":"https://secwatch.observer/filing/0001104659-25-010554.json","markdown":"https://secwatch.observer/filing/0001104659-25-010554.md","text":"https://secwatch.observer/filing/0001104659-25-010554.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000110465925010554/0001104659-25-010554-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000110465925010554/tm255922d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T01:14:15.377441+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"}