Welcome to our dedicated page for UNITED BANCORP /OH/ SEC filings (Ticker: UBCP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
United Bancorp, Inc. filings document the regulatory record of an Ohio bank holding company with common stock listed on the NASDAQ Capital Market under UBCP. Recent Form 8-K reports furnish press releases on results of operations and financial condition, including quarterly and annual banking performance, and disclose board actions on regular and special cash dividends.
The company’s proxy materials and shareholder-vote filings cover annual meeting proposals, director elections and governance matters. Its filings also identify its registered common stock, par value, state of incorporation, commission file number and exhibit materials, including earnings releases, dividend announcements and Inline XBRL cover page data.
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.
United Bancorp, Inc. announced that its board declared a higher regular first-quarter 2026 cash dividend of $0.1925 per common share, payable on March 20, 2026 to shareholders of record on March 10, 2026. This dividend is $0.01, or 5.5%, above the first-quarter dividend paid last year.
At this new level, the regular dividend equals $0.77 annually, which the company states represents a 5.4% forward yield based on the market value at the most recent quarter-end. The board also approved a one-time special dividend of $0.1750 per share, payable on the same record and payment dates.
Inclusive of this special payment, United Bancorp projects total cash dividends of $0.9450 per share in the current year. The company cites continued solid earnings, ample liquidity and a strong capital position as of year-end 2025, when it reported $857.4 million in total assets and $70.5 million in shareholders’ equity.
United Bancorp, Inc. filed a current report to share that it has released an unaudited press release covering its results of operations and financial condition for the fiscal periods ended December 31, 2025. The company furnished this earnings-related press release as an exhibit to the report, making the detailed financial information available to the market.
United Bancorp, Inc. (UBCP) reported that its Board of Directors declared a cash dividend for the fourth quarter of 2025. The dividend will be paid on December 19, 2025 to shareholders who are on record as of December 10, 2025. The declaration was made on November 19, 2025 and announced via a press release dated November 20, 2025, which is furnished as an exhibit.
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. (UBCP) filed a Form 8-K stating it furnished a press release announcing its results of operations and financial condition for the three and nine months ended September 30, 2025, unaudited.
The press release is included as Exhibit 99. The filing lists UBCP’s common stock on the NASDAQ Capital Market under the symbol UBCP.
United Bancorp, Inc. filed a current report describing a new cash dividend for the third quarter of 2025. The Board of Directors declared this dividend on August 20, 2025, with payment scheduled for September 19, 2025 to shareholders who are on record as of September 10, 2025. The company furnished a press release dated August 21, 2025 as an exhibit, which provides additional details on this dividend announcement.
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.