Every 10-Q that United Bancorp Inc/OH (UBCP) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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. reported modest growth for the quarter ended June 30, 2026. Total assets were $877.9 million, up from $857.4 million at December 31, 2025, driven by loan growth to $495.7 million and an available-for-sale securities portfolio of $241.0 million.
For the quarter, net interest income was $7.0 million and net income was $2.1 million, compared with $6.6 million and $1.9 million a year earlier. Diluted EPS rose to $0.36 from $0.33, while the quarterly dividend increased to $0.1950 per share. For the first six months, net income was $4.0 million and EPS $0.69.
Asset quality shows mixed trends. The allowance for credit losses on loans increased slightly to $4.4 million, but nonperforming loans rose to $6.4 million from $2.3 million at year-end 2025. Unrealized losses on the securities portfolio narrowed, with accumulated other comprehensive loss improving to $(3.9) million from $(5.4) million. Operating cash flow declined to $1.3 million from $4.8 million for the prior-year six-month period.
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.
United Bancorp, Inc. reported third‑quarter 2025 results. Net income was $1.93M versus $1.82M a year ago, and diluted EPS rose to $0.34 from $0.31. Net interest income increased to $6.73M from $6.14M, while provision for credit losses was $186K.
Noninterest income was $1.35M (up from $1.22M) and noninterest expense rose to $5.98M (from $5.53M). Comprehensive income for the quarter was $7.84M, reflecting higher unrealized gains on securities. The quarterly dividend was $0.1875 per share.
As of September 30, 2025, assets were $866.8M, loans net were $492.2M, and available‑for‑sale securities were $253.7M. Deposits totaled $645.2M. Stockholders’ equity was $66.47M, and accumulated other comprehensive loss narrowed to $(8.59)M from $(10.10)M at year‑end. Shares outstanding were 5,774,011 as of November 7, 2025.
United Bancorp, Inc. reported a modest improvement in earnings and balance sheet growth for the quarter ended June 30, 2025. Total assets rose to $847.9 million from $816.7 million year-end 2024, driven by higher cash and deposit inflows. Net loans were $496.6 million, up from $486.9 million, while total deposits increased to $642.9 million from $613.5 million.
Quarterly net income was $1.914 million ($0.33 per share), up from $1.739 million a year earlier; six-month net income was $3.786 million ($0.65 per share). Net interest income improved to $6.595 million for the quarter. The company recorded $206 thousand provision for credit losses and an ACL on loans of $4.156 million. Available-for-sale securities declined in fair value to $227.3 million with $17.7 million of unrealized losses, expanding accumulated other comprehensive loss to $(14.496) million and reducing total equity to $59.658 million.