---
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"
generated_at: "2026-05-16T05:28:37.802855+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-009730
- JSON: https://secwatch.observer/filing/0001104659-26-009730.json
- Plain text: https://secwatch.observer/filing/0001104659-26-009730.txt

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