United Bancorp Inc. (UBCP) Financial Statements (2026 and earlier)

Company Profile

Business Address 201 SOUTH FOURTH STREET
MARTINS FERRY, OH 43935
State of Incorp. OH
Fiscal Year End December 31
Industry (SIC) 6022 - State Commercial Banks (benchmarking)
More info Complete Financial Analysis Financial Benchmarking

Balance Sheet (Statement of Financial Position) ($ in thousands)
Annual | Quarterly

3/31/2026
MRQ
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2019
ASSETS
Current Assets
Cash, cash equivalents, and short-term investments46,52819,60840,77030,08082,99914,985
Cash and cash equivalent46,52819,60840,77030,08082,99914,985
Financing receivable, accrued interest, after allowance for credit loss✕✕✕1,400  ✕
Total current assets:46,52819,60842,17030,08082,99914,985
Noncurrent Assets
Finance lease, right-of-use asset, after accumulated amortization   2,764   
Property, plant, and equipment, after accumulated depreciation, depletion, and amortization34,09523,59914,98412,14412,75712,402
Long-term investments and receivables    217,624146,313 
Long-term investments    217,624146,313 
Intangible asset, including goodwill, after accumulated amortization682682682682682682
Goodwill682682682682682682
Deferred income tax assets3,3834,0112,4092,423  
Total noncurrent assets:38,16028,29220,839232,873159,75213,084
Other undisclosed assets772,757768,756756,440494,447481,705657,637
TOTAL ASSETS:857,445816,656819,449757,400724,456685,706
LIABILITIES AND EQUITY
Liabilities
Current Liabilities
Debt32,36133,36729,54518,10615,7016,915
Total current liabilities:32,36133,36729,54518,10615,7016,915
Noncurrent Liabilities
Liabilities, other than long-term debt     1,6811,736
Deferred income tax liabilities     1,6811,736
Total noncurrent liabilities:     1,6811,736
Other undisclosed liabilities754,569719,832726,311679,557635,373617,133
Total liabilities:786,930753,199755,856697,663652,755625,784
Equity
Equity, attributable to parent70,51563,45763,59359,73771,70159,922
Common stock6,2136,2036,0646,0446,0545,959
Treasury stock, value(3,565)(3,248)(2,561)(1,828)(1,061)(462)
Additional paid in capital27,07326,37325,91324,81423,63522,871
Deferred compensation equity(2,431)(2,078)(2,363)(1,902)(1,738)(1,659)
Accumulated other comprehensive income (loss)(5,351)(10,100)(7,478)(9,336)6,9645,536
Retained earnings48,57646,30744,01841,94537,84727,905
Unearned esop shares      (228)
Total equity:70,51563,45763,59359,73771,70159,922
TOTAL LIABILITIES AND EQUITY:857,445816,656819,449757,400724,456685,706

Income Statement (P&L) ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2019
Revenues42,83139,88736,87827,69724,98027,088
Net investment income41,48939,52136,84927,66124,70827,034
Cost of revenue(122)(150)(150)(150) (908)
Provision for loan, lease, and other losses      (908)
Amortization of mortgage servicing rights (msrs)(122)(150)(150)(150)  
Gross profit:42,70939,73736,72827,54724,98026,180
Operating expenses(3,485)(3,563)(3,117)(3,037)(2,794)(2,687)
Other operating income, net
(Noninterest Income, Other Operating Income)		695340360361530458
Operating income:39,91936,51433,97124,87122,71623,951
Nonoperating income
(Bank Owned Life Insurance Income)		768761725708802533
Interest and debt expense   (11,014)(3,273)(2,596)(6,123)
Other undisclosed loss from continuing operations before equity method investments, income taxes      (10,952)
Income from continuing operations before equity method investments, income taxes:40,68737,27523,68222,30620,9227,409
Other undisclosed loss from continuing operations before income taxes(33,020)(29,980)(14,191)(12,770)(10,241) 
Income from continuing operations before income taxes:7,6677,2959,4919,53610,6817,409
Income tax expense (benefit)86107(541)(879)(1,230)(599)
Income from continuing operations:7,7537,4028,9508,6579,4516,810
Income before gain (loss) on sale of properties:✕✕✕✕✕9,4516,810
Net income attributable to parent:7,7537,4028,9508,6579,4516,810
Undistributed earnings (loss) allocated to participating securities, basic   (167)(185)(348)(111)
Other undisclosed net loss available to common stockholders, basic(368)(340)(190)(203)(221)(145)
Net income available to common stockholders, diluted:7,3857,0628,5938,2698,8826,554

Comprehensive Income ($ in thousands)
Annual | Quarterly

3/31/2026
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2019
Net income:7,7537,4028,9508,6579,4516,810
Other comprehensive income (loss) 1818(19)  (19)
Other undisclosed comprehensive income      
Comprehensive income:7,7717,4208,9318,6579,4516,791
Other undisclosed comprehensive income (loss), net of tax, attributable to parent4,731(2,640)1,877(16,300)(2,319)5,565
Comprehensive income (loss), net of tax, attributable to parent:12,5024,78010,808(7,643)7,13212,356

Statements Sources

The financial statements are based on the Company's filings with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering, Analysis, and Retrieval system (EDGAR). The information is derived from the 10-K and 10-Q reports submitted to the SEC in XBRL (eXtensible Business Reporting Language) format and presented according to the US GAAP Taxonomy. Please review the original filings for a more detailed information.

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