United Bancorp Q3 EPS $0.34 (+9.7% YoY); NIM expands to 3.66%; dividend raised 5.7%

UNITED BANCORP INC /OH/

2025-Q3 EPS reported $0.99

Q3 net income $1.93M, diluted EPS $0.34, up 6.1% and 9.7% YoY; nine-month EPS $0.99 (+4.2%).
Net interest margin improved 16 bps to 3.66%; net interest income up 6.0% YoY on $41.3M asset growth.
Total assets $866.8M (+5.0%), gross loans $496.5M (+4.5%), deposits $645.2M (+4.8%).
Regular cash dividend raised 5.7% to $0.555; special dividend $0.175 (+16.7%); total yield 6.6%.
Credit quality stable: nonaccrual loans 0.63% of gross loans; allowance coverage 177% of nonaccrual loans.

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