UNITED BANCORP INC /OH/
For the period ended Dec 31, 2025. Filed Mar 18, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 18, 2026
UBCP$14.20-2.2%Stored close · as of Nov 6, 2026
Contents
EX-13 · (In thousands, except share data)
(In thousands, except share data)
| | | | | | | |
|---|---|---|---|---|---|---|
| · · 2025 · · 2024 | ||||||
| Assets | | | | | | |
| Cash and due from banks | | $9,381 | | $8,171 | ||
| Interest-bearing demand deposits | | 37,147 | | | 11,437 | |
| Cash and cash equivalents | | 46,528 | | | 19,608 | |
| | | | | | ||
| Available-for-sale securities, amortized cost of $240,793 and $252,761 at December 31, 2025 and 2024 | | 234,204 | | 240,631 | ||
| Loans, net of allowance for credit losses of $4,261 and $4,026 at December 31, 2025 and 2024, respectively | | 487,298 | | | 486,945 | |
| Premises and equipment | | 34,095 | | | 23,599 | |
| Federal Home Loan Bank stock | | 4,030 | | | 4,026 | |
| Foreclosed assets held for sale, net | | 2,540 | | | 3,363 | |
| Core deposit intangible assets | | — | | | 122 | |
| Goodwill | | 682 | | | 682 | |
| Accrued interest receivable | | 3,982 | | | 4,322 | |
| Deferred federal income tax | | 3,383 | | | 4,011 | |
| Bank-owned life insurance | | 30,920 | | | 19,852 | |
| Other assets | | | 9,783 | | | 9,495 |
| Total Assets | | $857,445 | | $816,656 | ||
| Liabilities and Stockholders’ Equity | | | | | ||
| Liabilities | | | | | ||
| Deposits | | | | | | |
| Demand | | $335,422 | | $320,690 | ||
| Savings | | 124,213 | | | 125,120 | |
| Time | | 181,731 | | | 167,684 | |
| Total deposits | | 641,366 | | | 613,494 | |
| Securities sold under repurchase agreements | | 29,403 | | | 30,494 | |
| Subordinated debentures | | 23,909 | | | 23,847 | |
| Advances Federal Home Loan Bank | | | 75,000 | | | 75,000 |
| Lease liability – finance lease | | | 2,958 | | | 2,873 |
| Interest payable and other liabilities | | 14,294 | | | 7,491 | |
| Total liabilities | | 786,930 | | 753,199 | ||
| Stockholders’ Equity | | | | | ||
| Preferred stock, no par value, authorized 2,000,000 shares; no shares issued | | — | | | — | |
| Common stock, $1 par value; authorized 10,000,000 shares; issued 2025 – 6,213,141 shares, 2024 - 6,203,141 shares; outstanding 2025 – 5,756,852 shares, 2024 – 5,793,611 shares | | 6,213 | | | 6,203 | |
| Additional paid-in capital | | 27,073 | | | 26,373 | |
| Retained earnings | | 48,576 | | | 46,307 | |
| Stock held by deferred compensation plan; 2025 – 194,971 shares, 2024 – 172,667 shares | | (2,431) | | | (2,078) | |
| Accumulated other comprehensive loss | | (5,351) | | (10,100) | ||
| Treasury stock, at cost 2025 – 261,318 shares, 2024 – 236,863 shares | | (3,565) | | | (3,248) | |
| Total stockholders’ equity | | 70,515 | | | 63,457 | |
| Total liabilities and stockholders’ equity | | $857,445 | | $816,656 | ||
| | |
| 30 | |
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