United Bancorp, Inc. (UBCP)

United Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	30.11	28.33	25.23	20.73	20.18	22.1
Interest Income on Investments	10.85	11.2	11.62	6.93	4.53	5.53
Total Interest Income	40.97	39.52	36.85	27.66	24.71	27.63
Interest Paid on Deposits	9.86	8.15	5.87	1.64	1.27	3.14
Interest Paid on Borrowings	5.19	6.58	5.14	1.63	1.32	1.59
Total Interest Expense	15.05	14.72	11.01	3.27	2.6	4.73
Net Interest Income	25.92	24.8	25.84	24.39	22.11	22.89
Net Interest Income Growth (YoY)	3.84%	-4.01%	5.93%	10.29%	-3.42%	9.48%
Gain (Loss) on Sale of Investments	0.14	-0.12	-	-	1.25	2.59
Other Non-Interest Income	4.4	4.09	4.03	4.05	4.18	4.14
Total Non-Interest Income	5.21	4.46	4.05	4.08	5.71	6.92
Non-Interest Income Growth (YoY)	21.43%	10.02%	-0.71%	-28.44%	-17.48%	77.85%
Revenues Before Loan Losses	31.13	29.26	29.89	28.47	27.82	29.81
Provision for Loan Losses	0.61	0.3	-0.45	-0.96	-1.26	3.34
Revenue	30.52	28.96	30.34	29.43	29.07	26.47
Revenue Growth (YoY)	4.40%	-4.55%	3.12%	1.21%	9.83%	10.80%
Salaries and Employee Benefits	11.19	9.2	9.61	9.3	9.28	8.72
Occupancy Expenses	2.47	2.32	2.06	2.22	2.36	2.41
Federal Deposit Insurance	0.33	0.37	0.38	0.2	0.2	0.18
Amortization of Goodwill & Intangibles	0.15	0.15	0.15	0.15	0.15	0.15
Selling, General & Administrative	4.36	4.95	4.08	2.91	2.13	2.29
Other Non-Interest Expense	4.54	4.68	4.57	5.11	4.27	4.15
Total Non-Interest Expense	23.04	21.67	20.85	19.89	18.39	17.89
EBT Excluding Unusual Items	7.48	7.3	9.49	9.54	10.68	8.58
Pretax Income	7.48	7.3	9.49	9.54	10.68	8.58
Income Tax Expense	-0.09	-0.11	0.54	0.88	1.23	0.63
Net Income	7.57	7.4	8.95	8.66	9.45	7.95
Preferred Dividends & Other Adjustments	0.35	0.34	0.36	0.39	0.57	0.39
Net Income to Common	7.22	7.06	8.59	8.27	8.88	7.56
Net Income Growth	-4.75%	-17.30%	3.38%	-8.40%	18.84%	16.78%
Basic Shares Outstanding	5	6	5	5	5	5
Diluted Shares Outstanding	5	6	5	5	5	5
Shares Change (YoY)	-1.60%	0.90%	0.13%	0.11%	0.35%	-1.22%
EPS (Basic)	1.32	1.27	1.57	1.51	1.62	1.38
EPS (Diluted)	1.31	1.27	1.57	1.50	1.62	1.38
EPS Growth	-4.10%	-18.85%	4.34%	-7.41%	16.98%	16.76%
Dividend Per Share	0.735	0.705	0.665	0.625	0.585	0.570
Dividend Growth	5.75%	6.02%	6.40%	6.84%	2.63%	4.59%
Effective Tax Rate	-	-	5.70%	9.22%	11.52%	7.33%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q