United Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Interest Income on Loans	31	30.61	28.33	25.23	20.73	20.18
Interest Income on Investments	10.78	10.88	11.2	11.62	6.93	4.53
Total Interest Income	41.78	41.49	39.52	36.85	27.66	24.71
Interest Paid on Deposits	8.76	8.6	8.15	5.87	1.64	1.27
Interest Paid on Borrowings	5.89	6.43	6.58	5.14	1.63	1.32
Total Interest Expense	14.65	15.03	14.72	11.01	3.27	2.6
Net Interest Income	27.13	26.46	24.8	25.84	24.39	22.11
Net Interest Income Growth	7.14%	6.69%	-4.01%	5.93%	10.29%	-3.42%
Gain (Loss) on Sale of Investments	0.7	0.84	-0.12	-	-	1.25
Other Non-Interest Income	4.98	4.68	4.09	4.03	4.05	4.18
Total Non-Interest Income	6.39	6.02	4.46	4.05	4.08	5.71
Non-Interest Income Growth	25.76%	34.96%	10.02%	-0.71%	-28.44%	-17.48%
Revenues Before Loan Losses	33.52	32.48	29.26	29.89	28.47	27.82
Provision for Loan Losses	0.53	0.67	0.3	-0.45	-0.96	-1.26
Revenue	33	31.81	28.96	30.34	29.43	29.07
Revenue Growth	10.32%	9.82%	-4.55%	3.12%	1.21%	9.83%
Salaries and Employee Benefits	11.93	11.47	9.2	9.61	9.3	9.28
Occupancy Expenses	2.87	2.55	2.32	2.06	2.22	2.36
Federal Deposit Insurance	0.39	0.38	0.37	0.38	0.2	0.2
Amortization of Goodwill & Intangibles	0.05	0.12	0.15	0.15	0.15	0.15
Selling, General & Administrative	4.57	4.34	4.95	4.08	2.91	2.13
Other Non-Interest Expense	4.72	4.51	4.67	4.57	5.11	4.27
Total Non-Interest Expense	25.3	24.14	21.67	20.85	19.89	18.39
EBT Excluding Unusual Items	7.7	7.67	7.3	9.49	9.54	10.68
Pretax Income	7.7	7.67	7.3	9.49	9.54	10.68
Income Tax Expense	-0.28	-0.09	-0.11	0.54	0.88	1.23
Net Income	7.97	7.75	7.4	8.95	8.66	9.45
Preferred Dividends & Other Adjustments	0.4	0.37	0.34	0.36	0.39	0.57
Net Income to Common	7.58	7.39	7.06	8.59	8.27	8.88
Net Income Growth	6.22%	4.57%	-17.82%	3.92%	-6.90%	17.50%
Basic Shares Outstanding	5	5	6	5	5	5
Diluted Shares Outstanding	5	5	6	5	5	5
Shares Change	-1.42%	-0.86%	0.90%	0.13%	0.11%	0.35%
EPS (Basic)	1.39	1.34	1.27	1.57	1.51	1.62
EPS (Diluted)	1.38	1.34	1.27	1.57	1.50	1.62
EPS Growth	7.53%	5.51%	-18.85%	4.34%	-7.41%	16.98%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	0.765	0.745	0.705	0.665	0.625	0.585
Dividend Growth	5.52%	5.67%	6.02%	6.40%	6.84%	2.63%
Effective Tax Rate	-	-	-	5.70%	9.22%	11.52%

SEC Filings: 10-K · 10-Q