---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-21-230378"
form_type: "8-K"
ticker: "UBCP"
cik: "0000731653"
company_name: "UNITED BANCORP INC /OH/"
filed_at: "2021-07-30T23:59:59+00:00"
generated_at: "2026-06-30T00:34:50.459105+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# United Bancorp Q2 EPS $0.38 up 31% YoY; record H1 net income $4.09M

## Summary
- Q2 diluted EPS $0.38, net income $2.185M; up 31% vs prior year.
- H1 diluted EPS $0.71, net income $4.093M; up 25% vs prior year (record).
- Loans grew 2.9% to $458.7M; securities portfolio down 24.3% to $148.3M.
- Credit quality solid; nonaccrual loans 0.68% of loans; allowance 0.99%.
- Equity to assets 9.50%; $69.4M equity up 5.1%; dividend up 36% YoY incl special.

## SEC filing metadata
- accession: 0001193125-21-230378
- form_type: 8-K
- ticker: UBCP
- cik: 0000731653
- company_name: UNITED BANCORP INC /OH/
- filed_at: 2021-07-30T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731653/000119312521230378/0001193125-21-230378-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731653/000119312521230378/d118640d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-230378
- JSON: https://secwatch.observer/filing/0001193125-21-230378.json
- Plain text: https://secwatch.observer/filing/0001193125-21-230378.txt

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