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United Bancorp, Inc. reported stronger profitability for the three and six months ended June 30, 2026. Second‑quarter net income was $2,094,738 with diluted EPS of $0.36, up from $1,914,513 and $0.33 a year earlier. For the first half of 2026, net income was $4,005,555 and diluted EPS $0.69, both modestly higher year over year. Net interest income rose 6.18% in the quarter and 5.24% year‑to‑date, helped by lower interest expense, while total noninterest income grew 16.42% in the quarter despite higher noninterest expense.
Balance‑sheet growth remained moderate. Total assets reached $877.97 million, up 3.55% year over year, and total deposits were $686.94 million, up 6.84%, with 70.2% in lower‑cost noninterest bearing, interest‑bearing demand and savings accounts. Interest expense to average assets fell to 1.62%, and the net interest margin increased 17 basis points to 3.82%. Return on average assets was 0.92% and return on average equity 11.32%. Stockholders’ equity totaled $72.09 million, with equity‑to‑assets at 8.21%.
Credit quality metrics weakened from unusually low prior levels. Nonaccrual and 30‑plus‑day past due loans were 1.40% of gross loans, up from 0.45%, largely due to one approximately $4.2 million commercial relationship moving to nonaccrual. Net charge‑offs remained low at 0.02% of average loans. Book value per share increased to $12.13, up 21.06% year over year. Shareholders received a regular second‑quarter dividend of $0.195 and year‑to‑date dividends of $0.5625, including a $0.175 special dividend, with the stock closing at $15.88.
UNITED BANCORP INC /OH/ senior vice president, CFO and treasurer Randall M. Greenwood bought additional company shares in an open-market transaction. He purchased 1,034 shares of common stock at a price of $14.93 per share and now directly holds 85,214 common shares.
United Bancorp Inc. director Erin S. Ball reported an open-market purchase of Common Stock. On May 27, 2026, Ball bought 632 shares at $14.93 per share, increasing her direct holdings to 17,812 shares of United Bancorp Inc. common stock after the transaction.
United Bancorp Inc. director Clark Jonathan CHASE made an open-market purchase of Common Stock. On May 27, 2026, he bought 1,511 shares at a price of $14.93 per share. After this transaction, he directly owns 55,638 shares of United Bancorp Inc.
United Bancorp Inc. director John M. Hoopingarner reported buying 931 shares of Common Stock in an open-market purchase at $14.93 per share. After this transaction, he directly owns 52,609 shares. This filing shows a modest increase in his personal stake in the company.
UNITED BANCORP INC /OH/ Chief Operating Officer Matthew Fredrick Branstetter reported an open-market purchase of 380 shares of Common Stock at $14.93 per share. Following this transaction, he directly owns 60,128 shares, indicating a relatively small incremental increase to his existing position.
United Bancorp Inc. Chairman, President and CEO Scott A. Everson bought additional company stock on the open market. He purchased 2,213 shares of common stock at a price of $14.93 per share. After this transaction, he directly owns 143,162 shares of United Bancorp common stock.
UNITED BANCORP INC /OH/ director Gary W. Glessner reported an open-market purchase of 3,527 shares of common stock at $14.93 per share. Following this transaction, he directly owns 108,002 shares of United Bancorp common stock.
United Bancorp Inc. (UBCP) director Bethany E. Schunn purchased 1,175 shares of Common Stock in an open-market transaction. The shares were bought at a price of $14.93 per share on May 28, 2026. Following this purchase, Schunn directly owns 20,457 shares of United Bancorp common stock. This filing reflects a relatively small, routine increase in her personal stake in the company rather than a change in corporate strategy or operations.
United Bancorp, Inc. reported first-quarter 2026 net income of $1.9 million, slightly above $1.87 million a year earlier. Basic and diluted earnings per share were $0.33, up from $0.32, as net interest income increased to $6.5 million from $6.2 million.
Total assets were $858.5 million at March 31, 2026, with net loans of $496.1 million and deposits of $666.7 million. Credit quality remained controlled, with an allowance for credit losses of $4.25 million and nonperforming loans of $6.5 million. The bank paid dividends of $0.3675 per share, including a special dividend.
Despite positive net income, rising longer-term interest rates drove unrealized losses on available-for-sale securities, producing other comprehensive loss of $2.46 million and a total comprehensive loss of $0.55 million. Cash and cash equivalents declined to $27.2 million from $46.5 million as the bank increased securities, loans, and bank-owned life insurance while reducing Federal Home Loan Bank advances.