UNITED BANCORP INC /OH/
For the period ended Dec 31, 2025. Filed Mar 18, 2026.
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FY2025 · Filed Mar 18, 2026
UBCP$14.20-2.2%Stored close · as of Nov 6, 2026
Contents
EX-13 · (In thousands except per share data)
(In thousands except per share data)
| | | | | | | |
|---|---|---|---|---|---|---|
| · · 2025 · · 2024 | ||||||
| Interest and Dividend Income · · · · | ||||||
| Loans | | $30,610 | | $28,325 | ||
| Securities | | | | | | |
| Taxable | | 1,398 | | | 2,003 | |
| Tax-exempt | | 7,712 | | | 7,363 | |
| Federal funds sold | | 1,404 | | | 1,446 | |
| Dividends on Federal Home Loan Bank and other stock | | 365 | | | 384 | |
| Total interest and dividend income | | 41,489 | | | 39,521 | |
| Interest Expense | | | | | | |
| Deposits | | 8,603 | | | 8,146 | |
| Borrowings | | 6,426 | | | 6,575 | |
| Total interest expense | | 15,029 | | | 14,721 | |
| Net Interest Income | | 26,460 | | | 24,800 | |
| Credit Loss Expense | | | | | | |
| Provision for (reversal of) Credit Loss expense - loans | | | 624 | | | 429 |
| Provision for (reversal of) Credit Loss expense – off balance sheet | | | 50 | | | (130) |
| Provision for (reversal of) credit loss expense | | | 674 | | | 299 |
| Net Interest Income After Provision for (reversal of) Credit Losses | | 25,786 | | | 24,501 | |
| Noninterest Income | | | | | | |
| Customer service fees | | 3,214 | | | 2,993 | |
| Net gains on loan sales | | 501 | | | 482 | |
| Earnings on bank-owned life insurance | | 768 | | | 761 | |
| Realized gain (loss) on sale of available-for-sale securities, net | | 841 | | | (116) | |
| Other | | | 695 | | | 340 |
| Total noninterest income | | 6,019 | | | 4,460 | |
| Noninterest Expense | | | | | | |
| Salaries and employee benefits | | 11,825 | | | 10,083 | |
| Net occupancy and equipment expense | | 2,552 | | | 2,318 | |
| Professional fees | | 1,665 | | | 1,819 | |
| Data processing and related electronic services | | | 1,664 | | | 1,709 |
| Insurance | | 664 | | | 622 | |
| Deposit insurance premiums | | 377 | | | 372 | |
| Franchise and other taxes | | 502 | | | 585 | |
| Advertising expense | | 529 | | | 425 | |
| Printing and office supplies | | 125 | | | 112 | |
| Amortization of intangible assets | | 122 | | | 150 | |
| Other real estate owned valuation allowance and expenses | | 771 | | | 9 | |
| Other | | 3,342 | | | 3,462 | |
| Total noninterest expense | | 24,138 | | | 21,666 | |
| Income Before Federal Income Taxes | | | 7,667 | | | 7,295 |
| (Credit) Provision for Federal Income Taxes | | | (86) | | | (107) |
| Net Income | | $7,753 | | $7,402 | ||
| Basic Earnings Per Share | | $1.34 | | $1.27 | ||
| Diluted Earnings Per Share | | $1.34 | | $1.27 | ||
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