United Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	-	19.61	40.77	30.08	83
Investment Securities	-	240.63	242.76	217.62	146.31
Total Investments	-	240.63	242.76	217.62	146.31
Gross Loans	-	490.97	483.24	460.88	454.37
Allowance for Loan Losses	-	-4.03	-3.92	-2.05	-3.67
Net Loans	-	486.95	479.32	458.82	450.7
Property, Plant & Equipment	-	23.6	14.98	12.14	12.76
Goodwill	-	0.68	0.68	0.68	0.68
Other Intangible Assets	-	0.12	0.26	0.41	0.56
Accrued Interest Receivable	-	4.32	4.1	3.4	2.35
Long-Term Deferred Tax Assets	-	4.01	2.41	2.42	-
Other Real Estate Owned & Foreclosed	-	3.36	3.38	3.52	0.42
Other Long-Term Assets	-	29.35	26.81	25.79	23.98
Total Assets	-	816.66	819.45	757.4	724.46
Interest Bearing Deposits	-	577.59	583.86	638.61	600.74
Institutional Deposits	-	35.9	37.6	11.3	4.4
Total Deposits	-	613.49	621.46	649.91	605.14
Short-Term Borrowings	-	30.49	26.78	18.11	15.7
Current Portion of Leases	-	0.13	-	-	-
Accrued Interest Payable	-	0.83	0.58	0.3	0.18
Federal Home Loan Bank Debt, Long-Term	-	75	75	-	-
Long-Term Leases	-	2.74	2.76	-	-
Trust Preferred Securities	-	23.85	23.79	23.73	23.67
Long-Term Deferred Tax Liabilities	-	-	-	-	1.68
Other Long-Term Liabilities	-	6.66	5.49	5.61	6.39
Total Liabilities	-	753.2	755.86	697.66	652.76
Common Stock	-	6.2	6.06	6.04	6.05
Additional Paid-In Capital	-	26.37	25.91	24.81	23.64
Retained Earnings	-	46.31	44.02	41.95	37.85
Treasury Stock	-	-3.25	-2.56	-1.83	-1.06
Comprehensive Income & Other	-	-12.18	-9.84	-11.24	5.23
Shareholders' Equity	66.47	63.46	63.59	59.74	71.7
Total Liabilities & Equity	-	816.66	819.45	757.4	724.46
Total Debt	147.34	132.21	128.33	41.83	39.37
Net Cash (Debt)	-101.69	-112.61	-87.56	-11.75	43.63
Net Cash Growth	-	-	-	-	185.50%
Net Cash Per Share	-18.52	-20.33	-15.95	-2.14	7.97
Filing Date Shares Outstanding	5.77	5.79	5.7	5.74	5.93
Total Common Shares Outstanding	5.77	5.79	5.7	5.74	5.8
Book Value Per Share	11.51	10.95	11.15	10.41	12.37
Tangible Book Value	65.78	62.65	62.65	58.65	70.46
Tangible Book Value Per Share	11.39	10.81	10.99	10.22	12.15

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q