UNITED BANCORP INC /OH/

For the period ended Jun 30, 2026. Filed Aug 12, 2026.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2026 · Filed Aug 12, 2026

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

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

See the whole filing, with its images and exhibits

Contents

Condensed Consolidated Statements of Income

Three Months and Six Months Ended June 30, 2026 and 2025

(In thousands, except per share data)


· · Three months ended June 30, · · Six months ended June 30,
· · 2026 · · 2025 · · 2026 · · 2025
Interest and Dividend Income
Loans, including fees	$7,875	$7,680	$15,400	$15,007
Taxable	234	388	467	775
Non-taxable	2,062	1,858	4,110	3,754
Federal funds sold	286	395	410	533
Dividends on Federal Home Loan Bank stock and other stock	76	90	160	184
Total interest and dividend income	10,533	10,411	20,547	20,253
Interest expense
Deposits	2,260	2,188	4,360	4,203
Borrowings	1,269	1,628	2,672	3,208
Total interest expense	3,529	3,816	7,032	7,411
Net Interest Income	7,004	6,595	13,515	12,842
Credit Loss Expense
Provision for credit loss expense - loans	126	206	156	302
Reversal of credit loss expense - off balance sheet commitments	—	—	—	—
Provision for Credit Loss Expense	126	206	156	302
Net interest income after credit for credit losses	6,878	6,389	13,359	12,540
Noninterest Income
Service charges on deposit accounts	847	801	1,639	1,534
Realized gains on sale of available-for-sale securities	—	—	—	144
Realized gains on sales of loans	231	141	329	225
Earnings on bank-owned life insurance	412	187	837	380
Other income	127	261	237	388
Total noninterest income	1,617	1,390	3,042	2,671
Noninterest expense
Salaries and employee benefits	3,189	2,869	6,193	5,706
Occupancy and Equipment	752	620	1,563	1,250
Professional services	461	508	798	850
Data processing and related electronic services	527	409	1,040	775
FDIC Insurance	99	94	198	188
Insurance	182	159	365	321
Franchise and other taxes	143	127	284	272
Advertising	130	130	261	260
Stationery and office supplies	34	38	66	69
Amortization of intangibles	—	38	—	75
Other expenses	917	851	1,821	1,663
Total noninterest expense	6,434	5,843	12,589	11,429
Income Before Federal Income Taxes	2,061	1,936	3,812	3,782
Provision (Benefit) for Federal Income Taxes	(34)	22	(194)	(4)
Net Income	$2,095	$1,914	$4,006	$3,786
Basic Earnings Per Share	$0.36	$0.33	$0.69	$0.65
Diluted Earnings Per Share	$0.36	$0.33	$0.69	$0.65
Dividends Per Share	$0.1950	$0.1850	$0.5625	$0.5425

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.