secwatch.observer — SEC 8-K summary
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Issuer:     UNITED BANCORP INC /OH/ (UBCP)
CIK:        0000731653
Form:       8-K
Filed at:   2025-11-07T23:59:59+00:00
Accession:  0001104659-25-108221
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/731653/000110465925108221/0001104659-25-108221-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/731653/000110465925108221/tm2530510d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-108221

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