{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-026603","form_type":"8-K","ticker":"UBCP","cik":"0000731653","company_name":"UNITED BANCORP INC /OH/","filed_at":"2022-02-03T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.601857+00:00","generated_at":"2026-06-27T12:01:22.447467+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 reports record FY2021 EPS $1.62, up 17% YoY; Q4 EPS $0.41","bullets":["Net income $9.45M (+19% YoY); diluted EPS $1.62 (+17%). Q4 net income $2.46M, EPS $0.41 vs $0.46 prior year.","Total assets $724.5M; equity/asset ratio 9.90%; shareholders' equity $71.7M (+4.9% YoY).","Loans grew 2.5% to $454.4M; deposits rose $25.6M (4.4%) with lower-cost retail up 10.0%.","Net interest income fell 3.4% YoY; net interest expense reduced 45.2%; credit reserve released $400K in Q4.","Cash dividends increased 20.2% including special $0.10 dividend; stock price up 26.3% to $16.65."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-026603","json":"https://secwatch.observer/filing/0001193125-22-026603.json","markdown":"https://secwatch.observer/filing/0001193125-22-026603.md","text":"https://secwatch.observer/filing/0001193125-22-026603.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/731653/000119312522026603/0001193125-22-026603-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/731653/000119312522026603/d303821d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T12:01:22.447467+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"}