United Bancorp, Inc. (UBCP)

United Bancorp Balance Sheet

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
Cash & Equivalents	45.65	19.61	40.77	30.08	83	51.59
Investment Securities	253.73	240.63	242.76	217.62	146.31	158.07
Total Investments	253.73	240.63	242.76	217.62	146.31	158.07
Gross Loans	496.54	490.97	483.24	460.88	454.37	443.49
Allowance for Loan Losses	-4.3	-4.03	-3.92	-2.05	-3.67	-5.11
Net Loans	492.23	486.95	479.32	458.82	450.7	438.38
Property, Plant & Equipment	30.17	23.6	14.98	12.14	12.76	13.74
Goodwill	0.68	0.68	0.68	0.68	0.68	0.68
Other Intangible Assets	0.01	0.12	0.26	0.41	0.56	0.71
Accrued Interest Receivable	3.63	4.32	4.1	3.4	2.35	2.9
Long-Term Deferred Tax Assets	4.11	4.01	2.41	2.42	-	-
Other Real Estate Owned & Foreclosed	3.28	3.36	3.38	3.52	0.42	0.72
Other Long-Term Assets	29.23	29.35	26.81	25.79	23.98	22.43
Total Assets	866.76	816.66	819.45	757.4	724.46	693.4
Interest Bearing Deposits	645.19	577.59	583.86	638.61	600.74	571.74
Institutional Deposits	-	35.9	37.6	11.3	4.4	7.8
Total Deposits	645.19	613.49	621.46	649.91	605.14	579.54
Short-Term Borrowings	45.51	30.49	26.78	18.11	15.7	12.71
Current Portion of Leases	-	0.13	-	-	-	-
Accrued Interest Payable	0.61	0.83	0.58	0.3	0.18	0.22
Federal Home Loan Bank Debt, Long-Term	75	75	75	-	-	-
Long-Term Leases	2.93	2.74	2.76	-	-	-
Trust Preferred Securities	23.89	23.85	23.79	23.73	23.67	23.6
Long-Term Deferred Tax Liabilities	-	-	-	-	1.68	2.19
Other Long-Term Liabilities	7.15	6.66	5.49	5.61	6.39	6.82
Total Liabilities	800.29	753.2	755.86	697.66	652.76	625.07
Common Stock	6.2	6.2	6.06	6.04	6.05	6.05
Additional Paid-In Capital	26.9	26.37	25.91	24.81	23.64	23.17
Retained Earnings	47.67	46.31	44.02	41.95	37.85	32.5
Treasury Stock	-3.38	-3.25	-2.56	-1.83	-1.06	-0.99
Comprehensive Income & Other	-10.93	-12.18	-9.84	-11.24	5.23	7.61
Shareholders' Equity	66.47	63.46	63.59	59.74	71.7	68.33
Total Liabilities & Equity	866.76	816.66	819.45	757.4	724.46	693.4
Total Debt	147.34	132.21	128.33	41.83	39.37	36.31
Net Cash (Debt)	-101.69	-112.61	-87.56	-11.75	43.63	15.28
Net Cash Growth	-	-	-	-	185.50%	-
Net Cash Per Share	-18.58	-20.33	-15.95	-2.14	7.97	2.80
Filing Date Shares Outstanding	5.77	5.79	5.7	5.74	5.93	5.79
Total Common Shares Outstanding	5.77	5.79	5.7	5.74	5.8	5.79
Book Value Per Share	11.51	10.95	11.15	10.41	12.37	11.80
Tangible Book Value	65.78	62.65	62.65	58.65	70.46	66.94
Tangible Book Value Per Share	11.39	10.81	10.99	10.22	12.15	11.56

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

SEC Filings: 10-K · 10-Q