United Bancorp Q4 EPS $0.35 (+12.9% YoY); FY EPS $1.34 (+5.5%); dividends up 7.6%

UNITED BANCORP INC /OH/

2025-FY EPS reported $1.34

Q4 2025 net income $2.035M ($0.35 EPS), up 10.0% YoY; FY 2025 net income $7.753M ($1.34 EPS), up 4.7% YoY.
Net interest income for FY rose 6.7% to $1.659M; net interest margin expanded 19 bps to 3.70%.
Total assets grew 5.0% to $857.4M; loans up 3.5% to $497.9M; deposits up 4.5% to $641.4M.
Total dividends paid $0.92/share in 2025 (regular $0.7450 + special $0.175), up 7.6% YoY; dividend yield 6.4%.
Nonperforming assets at 0.56% of total assets; allowance for credit losses to loans at 0.87%, coverage of nonaccrual loans at 188%.

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