Here are the 10-K annual reports from United Bancorp Inc/OH (UBCP) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow UBCP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full UBCP filings page.
United Bancorp, Inc. filed Amendment No. 1 to its Form 10‑K for the fiscal year ended December 31, 2025. The amendment is being filed solely to correct a typographical error in the date of the CFO Section 1350 certification furnished as Exhibit 32.2, and makes no other changes.
As of June 30, 2025, the aggregate market value of common stock held by non‑affiliates was $66,087,390. The company had 5,756,852 common shares outstanding as of March 11, 2026. The filing also lists exhibits, including stock incentive plans, subordinated notes, compensation and benefit plans, and the company’s clawback policy.
United Bancorp, Inc., a community bank holding company based in Martins Ferry, Ohio, operates Unified Bank with 18 branches across Ohio and West Virginia, focusing on commercial, real estate and consumer lending and traditional deposit services.
Average interest-earning assets were $764.0 million in 2024, generating tax-equivalent interest income of $41.5 million. Net interest income was $26.8 million in 2024 compared with $27.4 million in 2023, as total interest expense rose to $14.7 million from $11.0 million and the net interest margin declined to 3.51% from 3.65%.
Credit quality indicators remain conservative. The ratio of net charge-offs to average loans was 0.08% in 2025, and the allowance for credit losses equaled 0.87% of total loans, with coverage of 188.02% of nonperforming loans. As of December 31, 2025, uninsured deposits totaled approximately $124.2 million, and the bank was categorized as well capitalized under regulatory standards.
The company reports effective disclosure controls and internal control over financial reporting and notes no material cybersecurity incidents to date, while emphasizing ongoing investment in its information security and cyber risk management programs.