---
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"
generated_at: "2026-05-16T23:14:13.360367+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-108221
- JSON: https://secwatch.observer/filing/0001104659-25-108221.json
- Plain text: https://secwatch.observer/filing/0001104659-25-108221.txt

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