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UNITED BANCORP INC /OH/

For the period ended Dec 31, 2025. Filed Mar 18, 2026.

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About this filing

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$14.05-3.4%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Item 15. Exhibits and Financial Statement/Schedules

Financial Statements

The following Consolidated Financial Statements and related Notes to Consolidated Financial Statements, together with the report of the Independent Registered Public Accounting Firm (PCAOB ID 74), appear on pages 26 through 74 of the United Bancorp, Inc. 2025 Annual Report and are incorporated herein by reference.

December 31, 2025 and 2024

Consolidated Statements of Stockholders’ Equity

Notes to Consolidated Financial Statements

December 31, 2025 and 2024

Exhibits

Exhibit Number​ ​ ​Exhibit Description
3.1Amended Articles of Incorporation (1)
3.2Amended and Restated Code of Regulations (2)
4.1Description of Registrant’s Common Stock(4)
4.2Forms of 6.00% Fixed to Floating Rate Subordinated Note due May 15, 2029 (11)
10.1Randall M. Greenwood Change in Control agreement (3)
10.2Scott A. Everson Change in Control Agreement (3)
10.3Matthew F. Branstetter Change in Control Agreement (14)
10.4United Bancorp, Inc. and Subsidiaries Director Supplemental Life Insurance Plan, covering Messrs. Glessner, Hoopingarner, and Riesbeck. (5)
10.5United Bancorp, Inc. and Subsidiaries Senior Executive Supplemental Life Insurance Plan, covering, Scott A. Everson, Matthew Branstetter and Randall M. Greenwood. (5)
10.6Amended and Restated United Bancorp, Inc. and United Bancorp, Inc. Affiliate Banks Directors and Officers Deferred Compensation Plan. (9)
10.7Amended and Restated Trust Agreement among United Bancorp, Inc. as Depository, Wilmington Trust Company, as Property Trustee, Wilmington Trust Company, as Delaware Trustee, and Administrative Trustees, dated as of November 17, 2005. (6)
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10.8Junior Subordinated Indenture between United Bancorp, Inc. and Wilmington Trust Company, as Trustee, dated as of November 17, 2005. (6)
10.9Guaranty Agreement between United Bancorp, Inc., as Guarantor, and Wilmington Trust Company, as Guarantee Trustee, dated as of November 17, 2005. (6)
10.10United Bancorp, Inc. 2008 Stock Incentive Plan (8)
10.11United Bancorp, Inc. 2018 Stock Incentive Plan (10)
10.12Form of Subordinated Note Purchase Agreement, dated May 14, 2019, by and among United Bancorp, Inc. and the Purchasers (12)
19​Insider Trading Policies and Procedures (15)
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21Subsidiaries of the Registrant
23Consent of Independent Registered Public Accounting Firms
31.1Rule 13a-14(a) Certification – CEO
31.2Rule 13a-14(a) Certification – CFO
32.1Section 1350 Certification – CEO
32.2Section 1350 Certification – CFO
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97​Clawback Policy (13)
101The following materials from United Bancorp, Inc. on Form 10-K for the year ended December 31, 2025, formatted in XBRL (Extensible Business Reporting Language): (i) the Consolidated Balance Sheets; (ii) the Consolidated Statements of Income and Comprehensive Income; (iii) the Consolidated Statements of Cash Flows and (iv) Notes to Consolidated Financial Statements, tagged as blocks of text.
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104​Cover Page Interactive Data File (formatted as inline XBRL and contained in Exhibit 101)
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​​(1) Incorporated by reference to Appendix B to the registrant’s Definitive Proxy Statement filed with the Securities and Exchange Commission on March 14, 2001.
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​​(2) Incorporated by reference to Exhibit 3.2 to the registrant’s Current Report on Form 8-K filed with the Securities and Exchange Commission on November 18, 2016
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​​(3) Incorporated by reference to the registrant’s 10-K filed with the Securities and Exchange Commission on March 27, 2003.
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​​(4) Incorporated by reference to Exhibit 4 to registrant’s 10-K filed with the Securities and Exchange Commission on March 20, 2020.
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​​(5) Incorporated by reference to the registrant’s 10-K filed with the Securities and Exchange Commission on March 29, 2004.
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​​(6) Incorporated by reference to the registrant’s 10-K filed with the Securities and Exchanges Commission on March 30, 2006.
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​​(7) Not used.
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​​(8) Incorporated by reference to the registrant’s 8-K filed with the Securities and Exchange Commission on April 22, 2008.
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​​(9) Incorporated by reference to Exhibit 10.10 to the registant’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 19, 2014
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​​(10) Incorporated by reference to Exhibit 10.1 to the registant’s Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission on August 14, 2018
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​​(11) Incorporated by reference to Exhibit 4.1 to the registrant’s Current Report on Form 8-K filed with the Securities and Exchange Commission on May 14, 2019.
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​​(12) Incorporated by reference to Exhibit 10.1 to the registrant’s Current Report on Form 8-K filed with the Securities and Exchange Commission on May 14, 2019.
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​​(13) Incorporated by reference to Exhibit 97 to the registant’s Annual Report on Form 10-K filed with the Securities and Exchange Commission on March 20, 2024
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​​(14) Incorporated by reference to the registrant’s 8-K filed with the Securities and Exchange Commision on May 19, 2014.
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​​(15) Incorporated by reference to Exhibit 19 to the registrant’s Annual Report on Form 10-K filed with the Securities and Exchange Commision on March 14, 2025

United Bancorp Inc.

Signatures

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

(Registrant) United Bancorp, Inc.

By:/s/ Scott A. Everson​ ​ ​March 18, 2026
Scott A. Everson, Chairman, President & Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

By:/s/ Scott A. Everson​ ​ ​March 18, 2026
Scott A. Everson, Director, Chairman, President & Chief Executive Officer
By:/s/ Randall M. GreenwoodMarch 18, 2026
Randall M. Greenwood, Senior Vice President & CFO
By:/s/ Gary W. GlessnerMarch 18, 2026
Gary W. Glessner, Director
By:/s/ John M. HoopingarnerMarch 18, 2026
John M. Hoopingarner, Director
By:/s/ Bethany E. Schunn​March 18, 2026
​Bethany E. Schunn, Director​​
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By:/s/ Brian M. Hendershot​March 18, 2026
​Brian M. Hendershot, Director​​
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