secwatch.observer — SEC 8-K summary
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Issuer:     UNITED BANCORP INC /OH/ (UBCP)
CIK:        0000731653
Form:       8-K
Filed at:   2026-02-03T23:59:59+00:00
Accession:  0001104659-26-009730
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/731653/000110465926009730/0001104659-26-009730-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/731653/000110465926009730/tm264999d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-009730

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer