{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-108221","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2025-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.043601+00:00","generated_at":"2026-05-16T23:14:13.360367+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"United Bancorp Q3 EPS $0.34 (+9.7% YoY); NIM expands to 3.66%; dividend raised 5.7%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-108221","json":"https://secwatch.observer/filing/0001104659-25-108221.json","markdown":"https://secwatch.observer/filing/0001104659-25-108221.md","text":"https://secwatch.observer/filing/0001104659-25-108221.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000110465925108221/0001104659-25-108221-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000110465925108221/tm2530510d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T23:14:13.360367+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"}