---
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"
generated_at: "2026-05-27T01:14:15.377441+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# United Bancorp reports Q4 net income $1.85M, EPS $0.31; FY net income $7.4M, EPS $1.27

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-010554
- JSON: https://secwatch.observer/filing/0001104659-25-010554.json
- Plain text: https://secwatch.observer/filing/0001104659-25-010554.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.