UNITED BANCORP INC /OH/
For the period ended Dec 31, 2025. Filed Mar 18, 2026.
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FY2025 · Filed Mar 18, 2026
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EX-13 · Net Interest Income
Net Interest Income
Net interest income, by definition, is the difference between interest income generated on interest-earning assets and the interest expense incurred on interest-bearing liabilities. Various factors contribute to changes in net interest income, including volumes, interest rates and the composition or mix of interest-earning assets in relation to interest-bearing liabilities.
Average interest-earning assets increased $3.6 million in 2025, as compared to 2024 while the associated weighted average yield on these interest-earning assets increased from 5.43% in 2024 to 5.67% for 2025. Average interest-bearing liabilities increased $14.7 million in 2025 as compared to 2024, while the associated weighted-average costs on these interest-bearing liabilities slightly decreased from 2.42% in 2024 to 2.41% in 2025. Refer to the sections on Asset and Liability Management and Sensitivity to Market Risks and Average Balances, Net Interest Income and Yields Earned and Rates Paid elsewhere herein for further information.
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