{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-009730","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2026-02-03T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.608947+00:00","generated_at":"2026-05-16T05:28:37.802855+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"United Bancorp Q4 EPS $0.35 (+12.9% YoY); FY EPS $1.34 (+5.5%); dividends up 7.6%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-009730","json":"https://secwatch.observer/filing/0001104659-26-009730.json","markdown":"https://secwatch.observer/filing/0001104659-26-009730.md","text":"https://secwatch.observer/filing/0001104659-26-009730.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000110465926009730/0001104659-26-009730-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000110465926009730/tm264999d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:28:37.802855+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"}