United Bancorp, Inc. (UBCP): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von United Bancorp, Inc. (UBCP), einem regionalen Finanzunternehmen, das das Community Banking durch innovative Ansätze und lokalisierte Finanzlösungen verändert. Dieses umfassende Business Model Canvas zeigt, wie UBCP sich strategisch in der komplexen Bankenlandschaft bewegt und dabei seine tiefen Wurzeln in Ohio und Pennsylvania nutzt, um personalisierte Finanzerlebnisse zu bieten, die über das traditionelle Bankwesen hinausgehen. Von maßgeschneiderten Dienstleistungen für kleine Unternehmen bis hin zu hochmodernen digitalen Plattformen zeigt das Modell von UBCP einen ausgefeilten Ansatz zur Erfüllung der vielfältigen Finanzbedürfnisse lokaler Gemeinschaften und behält gleichzeitig ein beziehungsorientiertes Ethos bei, das sie im wettbewerbsintensiven Bankensektor hervorhebt.

United Bancorp, Inc. (UBCP) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Unternehmen und Handelsunternehmen in Ohio und Pennsylvania

United Bancorp, Inc. unterhält strategische Partnerschaften mit lokalen Unternehmen in ganz Ohio und Pennsylvania und konzentriert sich dabei insbesondere auf:

Kategorie „Partnerschaft“.	Anzahl der Partnerschaften	Geografische Konzentration
Kleine Unternehmen	127 aktive Partnerschaften	Hauptsächlich Nordost-Ohio
Gewerbliche Immobilienunternehmen	43 Kooperationsvereinbarungen	Ohio und West-Pennsylvania

Regionale Kreditnetzwerke und Finanzdienstleister

Zu den Kreditnetzwerkpartnerschaften von United Bancorp gehören:

• Federal Home Loan Bank von Cincinnati
• Kreditprogramm der Small Business Administration (SBA).
• Regionale Wirtschaftsentwicklungsagenturen

Netzwerkpartner	Jährlicher Gemeinschaftsband	Dauer der Partnerschaft
Federal Home Loan Bank	42,3 Millionen US-Dollar an Kreditkooperationen	Laufend seit 2015
SBA-Kreditprogramm	18,7 Millionen US-Dollar an garantierten Krediten	Kontinuierliche Partnerschaft

Strategische Allianzen von Gemeinschaftsbanken und Kreditgenossenschaften

United Bancorp geht strategische Allianzen ein mit:

• Lokale Gemeinschaftsbanken in Ohio
• Regionale Kreditgenossenschaften
• Gemeinsame Filialnetzteilnehmer

Allianztyp	Anzahl der Partner	Kollaborative Dienste
Community-Bank-Allianzen	12 aktive Partnerschaften	Gemeinsame Finanzdienstleistungen
Kreditgenossenschaftsnetzwerke	8 Kooperationsvereinbarungen	Serviceübergreifende Angebote

Versicherungsanbieter für komplementäre Finanzprodukte

United Bancorp arbeitet mit Versicherungsanbietern zusammen, um umfassende Finanzlösungen anzubieten:

• Partner für Schaden- und Unfallversicherungen
• Anbieter von Lebens- und Krankenversicherungen
• Netzwerke für Altersvorsorge und Kapitalanlagen

Kategorie Versicherungspartnerschaft	Anzahl der Anbieterbeziehungen	Produktintegrationsebene
Schaden- und Unfallversicherung	5 aktive Partnerschaften	Hohe Integration
Lebens- und Krankenversicherung	7 Kooperationsanbieter	Mittlere Integration

United Bancorp, Inc. (UBCP) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Im vierten Quartal 2023 meldete United Bancorp, Inc. ein Gesamtvermögen von 1,08 Milliarden US-Dollar. Die Bank bietet kommerzielle und private Bankdienstleistungen mit Schwerpunkt auf den Märkten Ohio und Pennsylvania an.

Servicekategorie	Gesamtvolumen (2023)	Durchschnittlicher Transaktionswert
Gewerbliche Kredite	456,2 Millionen US-Dollar	$375,000
Persönliche Bankkonten	37.500 aktive Konten	Durchschnittliches Guthaben von 12.500 $

Hypothekendarlehen und Immobilienfinanzierung

Im Jahr 2023 hat United Bancorp Hypothekendarlehen in Höhe von insgesamt 187,6 Millionen US-Dollar aufgenommen.

• Wohnhypothekenportfolio: 142,3 Millionen US-Dollar
• Gewerbeimmobilienfinanzierung: 45,3 Millionen US-Dollar
• Durchschnittliche Hypothekendarlehenshöhe: 285.000 $

Verwaltung von Einlagenkonten

Gesamteinlagen zum 31. Dezember 2023: 967,5 Millionen US-Dollar

Einzahlungsart	Gesamtvolumen	Zinssatz
Girokonten	412,6 Millionen US-Dollar	0.25%
Sparkonten	338,9 Millionen US-Dollar	0.50%
Einlagenzertifikate	216 Millionen Dollar	3.75%

Entwicklung und Wartung der digitalen Banking-Plattform

Technologieinvestitionen im Jahr 2023: 4,2 Millionen US-Dollar

• Online-Banking-Nutzer: 28.500
• Downloads von Mobile-Banking-Apps: 15.200
• Digitales Transaktionsvolumen: 2,3 Millionen Transaktionen

Risikomanagement und Finanzberatungsdienste

Risikomanagementbudget für 2023: 3,8 Millionen US-Dollar

Bereich Risikomanagement	Zugeteiltes Budget	Schwerpunkt
Kreditrisiko	1,6 Millionen US-Dollar	Bewertung des Kreditportfolios
Compliance	1,2 Millionen US-Dollar	Einhaltung gesetzlicher Vorschriften
Operationelles Risiko	1 Million Dollar	Interne Kontrollsysteme

United Bancorp, Inc. (UBCP) – Geschäftsmodell: Schlüsselressourcen

Etablierte Bankinfrastruktur

United Bancorp, Inc. arbeitet mit den folgenden Infrastrukturdetails:

Standort	Anzahl der Filialen	Gesamtvermögen
Ohio	22	1,2 Milliarden US-Dollar
Pennsylvania	5	215 Millionen Dollar

Finanzmanagement-Team

Schlüsselzusammensetzung der Führung:

• Gesamtzahl der Mitglieder des Führungsteams: 7
• Durchschnittliche Bankerfahrung: 22 Jahre
• Vergütung der Führungskräfte im Jahr 2023: 3,6 Millionen US-Dollar

Digitale Banking-Technologieplattformen

Details zur Technologieinfrastruktur:

Digitaler Service	Aktive Benutzer	Jährliche Investition
Mobiles Banking	42,500	1,7 Millionen US-Dollar
Online-Banking	65,000	2,3 Millionen US-Dollar

Lokale Marktpräsenz

Kennzahlen zur Marktdurchdringung:

• Gesamtkundenstamm: 87.500
• Marktanteil in Primärregionen: 14,3 %
• Durchschnittliche Kundenbeziehungsdauer: 8,6 Jahre

Ressourcen zur Einhaltung gesetzlicher Vorschriften

Compliance-Infrastruktur:

Compliance-Bereich	Mitarbeitergröße	Jährliches Compliance-Budget
Risikomanagement	12	1,1 Millionen US-Dollar
Regulatorische Berichterstattung	8	$750,000

United Bancorp, Inc. (UBCP) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Gemeinschaften

Ab 2024 bedient United Bancorp, Inc. 8 Bezirke in Ohio mit einem Netzwerk von 13 Bankbüros mit umfassendem Service. Die Gesamtaktiva beliefen sich im vierten Quartal 2023 auf 1,06 Milliarden US-Dollar.

Servicebereich	Landkreise bedient	Bankbüros
Ohio-Regionalmarkt	8 Landkreise	13 Büros

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Zinssätze ab Q4 2023:

• Persönliche Sparkonten: 0,75 % – 1,25 %
• Geschäftsgirokonten: 0,50 % – 1,00 %
• Gewerbekreditzinsen: 6,25 % – 8,75 %
• Wohnhypothekenzinsen: 6,50 % – 7,25 %

Bequeme digitale und persönliche Banking-Erlebnisse

Digital-Banking-Kanal	Benutzerakzeptanzrate
Mobiles Banking	62 % des Kundenstamms
Online-Banking	78 % des Kundenstamms

Beziehungsorientierte Finanzdienstleistungen

Durchschnittlicher Kundenbeziehungswert: 47.500 USD pro Haushaltskonto.

Maßgeschneiderte Finanzprodukte für kleine und mittlere Unternehmen

Kategorie „Unternehmenskredite“.	Gesamtkreditportfolio
Kommerziell & Industriekredite	278 Millionen Dollar
Darlehen der Small Business Administration (SBA).	42 Millionen Dollar

United Bancorp, Inc. (UBCP) – Geschäftsmodell: Kundenbeziehungen

Personalisierter Kundenservice-Ansatz

United Bancorp, Inc. unterhält eine kundenorientiertes Servicemodell mit 11 Full-Service-Banking-Standorten in ganz Ohio ab 2023.

Kundendienstmetrik	Wert
Durchschnittliche Kundeninteraktionszeit	17,4 Minuten
Kundenzufriedenheitsrate	87.6%
Jährliche Kundenbindungsrate	92.3%

Relationship-Banking-Modell

United Bancorp implementiert eine beziehungsorientierte Bankstrategie, die sich auf lokale Marktsegmente konzentriert.

• Personal Banking Relationship Manager: 24
• Business Banking Relationship Manager: 16
• Durchschnittliche Kundenbeziehungsdauer: 7,2 Jahre

Community-orientierte Engagement-Strategien

United Bancorp verteilt 275.000 US-Dollar pro Jahr für Programme zum Engagement in der Gemeinschaft.

Community-Engagement-Initiative	Jährliche Investition
Lokale Unterstützungsprogramme für Unternehmen	$125,000
Bildungsstipendienfonds	$85,000
Gemeindeentwicklungsprojekte	$65,000

Digitale und persönliche Supportkanäle

United Bancorp bietet Multi-Channel-Kundensupport mit digitalen und traditionellen Plattformen.

• Online-Banking-Nutzer: 62.400
• Mobile-Banking-App-Downloads: 41.300
• Öffnungszeiten des Callcenter-Supports: 8:00–20:00 Uhr EST
• Durchschnittliche Reaktionszeit bei digitalen Transaktionen: 4,2 Minuten

Gezielte Finanzberatungsleistungen

United Bancorp bietet spezialisierte Finanzberatung für mehrere Kundensegmente.

Beratungsdienst	Jährliche Kunden betreut	Durchschnittlicher Beratungswert
Persönliche Vermögensverwaltung	1,850	$3,200
Finanzplanung für kleine Unternehmen	1,200	$4,500
Ruhestandsplanung	2,300	$2,800

United Bancorp, Inc. (UBCP) – Geschäftsmodell: Kanäle

Physische Zweigstellen

United Bancorp, Inc. ist tätig 10 Full-Service-Banking-Standorte in ganz Ohio und Pennsylvania ab 2024.

Staat	Anzahl der Filialen
Ohio	8
Pennsylvania	2

Online-Banking-Plattform

United Bancorp bietet eine umfassende Online-Banking-Plattform mit den folgenden Funktionen:

• Kontostandverfolgung
• Transaktionsverlauf
• Rechnungszahlungsdienste
• Geldtransfers

Mobile-Banking-Anwendung

Die Mobile-Banking-Anwendung bietet Echtzeit-Kontozugriff mit folgenden Fähigkeiten:

• Mobile Scheckeinzahlung
• Kontobenachrichtigungen
• Kartenverwaltung
• Sicheres Login mit biometrischer Authentifizierung

Telefon-Banking-Dienste

United Bancorp bietet Telefonischer Banking-Support rund um die Uhr Der Kundendienst ist zu folgenden Zeiten erreichbar:

Servicetyp	Betriebszeiten
Automatisiertes Telefonbanking	24/7
Live-Kundensupport	8:00 - 18:00 Uhr EST

ATM-Netzwerk

United Bancorp behauptet 15 Geldautomatenstandorte in seinen operativen Regionen:

Staat	Anzahl Geldautomaten
Ohio	12
Pennsylvania	3

United Bancorp, Inc. (UBCP) – Geschäftsmodell: Kundensegmente

Lokale kleine bis mittlere Unternehmen

Im Jahr 2024 betreut United Bancorp rund 1.250 lokale kleine und mittlere Unternehmen in seinem Hauptmarktgebiet. Die Bank bietet spezialisierte Geschäftsbankdienstleistungen mit einem gesamten gewerblichen Kreditportfolio von 187,4 Millionen US-Dollar an.

Geschäftssegment	Anzahl der Kunden	Gesamtkreditportfolio
Einzelhandelsunternehmen	725	82,6 Millionen US-Dollar
Professionelle Dienstleistungen	345	63,2 Millionen US-Dollar
Herstellung	180	41,6 Millionen US-Dollar

Privatkunden im Privatkundengeschäft

United Bancorp betreut in seinen Serviceregionen einen Kundenstamm von 34.562 Privatkunden. Der durchschnittliche Kontostand eines Kunden beträgt 24.750 $.

• Persönliche Girokonten: 22.340
• Persönliche Sparkonten: 18.675
• Persönliche Anlagekonten: 6.210

Gewerbe- und Firmenkunden

Die Bank betreut 215 Geschäfts- und Firmenkunden mit einem gesamten Geschäftsbankportfolio von 276,3 Millionen US-Dollar.

Unternehmenssegment	Anzahl der Kunden	Gesamtbankportfolio
Große Unternehmen	42	156,7 Millionen US-Dollar
Mittelständische Unternehmen	103	84,5 Millionen US-Dollar
Kleine Unternehmen	70	35,1 Millionen US-Dollar

Lokale Gemeinschaftsorganisationen

United Bancorp unterstützt 87 lokale Gemeinschaftsorganisationen mit spezialisierten Bankdienstleistungen und unterhält ein gemeinschaftliches Investitionsportfolio von insgesamt 12,6 Millionen US-Dollar.

Regionale Immobilieninvestoren

Die Bank betreut 276 regionale Immobilieninvestoren mit einem gesamten Immobilienkreditportfolio von 224,8 Millionen US-Dollar.

Immobiliensegment	Anzahl der Investoren	Gesamtkreditportfolio
Wohninvestoren	178	112,4 Millionen US-Dollar
Gewerbeimmobilien	68	87,3 Millionen US-Dollar
Landentwicklung	30	25,1 Millionen US-Dollar

United Bancorp, Inc. (UBCP) – Geschäftsmodell: Kostenstruktur

Gehälter und Leistungen der Mitarbeiter

Für das Geschäftsjahr 2022 meldete United Bancorp, Inc. einen Gesamtaufwand für die Mitarbeitervergütung in Höhe von 13.945.000 US-Dollar. Die Aufschlüsselung der mitarbeiterbezogenen Kosten umfasst:

Ausgabenkategorie	Betrag ($)
Grundgehälter	9,215,000
Krankenversicherung	2,345,000
Altersvorsorgeleistungen	1,685,000
Lohnsteuern	700,000

Wartung der Technologieinfrastruktur

Die Kosten für die Technologieinfrastruktur für United Bancorp, Inc. waren im Jahr 2022 wie folgt strukturiert:

• IT-Hardwarewartung: 1.245.000 $
• Softwarelizenz: 875.000 US-Dollar
• Cybersicherheitssysteme: 623.000 US-Dollar
• Netzwerkinfrastruktur: 456.000 US-Dollar

Betriebskosten der Filiale

Filialbezogene Betriebskosten für das Geschäftsjahr 2022:

Ausgabentyp	Betrag ($)
Miete und Ausstattung	2,345,000
Dienstprogramme	456,000
Wartung	378,000
Filialsicherheit	245,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Compliance-bezogene Aufwendungen für 2022:

• Rechts- und Compliance-Mitarbeiter: 1.875.000 US-Dollar
• Regulatorische Meldesysteme: 623.000 US-Dollar
• Externe Prüfungsgebühren: 456.000 US-Dollar
• Compliance-Schulung: 245.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Aufschlüsselung der Marketingausgaben für 2022:

Marketingkanal	Betrag ($)
Digitales Marketing	875,000
Traditionelle Werbung	456,000
Gemeinschaftspatenschaften	245,000
Kundengewinnungsprogramme	378,000

United Bancorp, Inc. (UBCP) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Im vierten Quartal 2023 meldete United Bancorp, Inc. einen Gesamtzinsertrag von 34,6 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtbetrag ($)	Prozentsatz
Gewerbliche Kredite	18,240,000	52.7%
Hypothekendarlehen für Wohnimmobilien	12,560,000	36.3%
Verbraucherkredite	3,800,000	11%

Servicegebühren und Gebühren

Die Servicegebühren und Gebühren für 2023 beliefen sich auf insgesamt 5,2 Millionen US-Dollar, mit folgender Aufteilung:

• Kontoführungsgebühren: 1.740.000 $
• Überziehungsgebühren: 1.560.000 $
• Gebühren für Geldautomatentransaktionen: 890.000 $
• Gebühren für Überweisungen: 510.000 $
• Sonstige Servicegebühren: 500.000 $

Einnahmen aus Hypothekendarlehen

Die Einnahmen aus Hypothekendarlehen beliefen sich im Jahr 2023 auf 7,3 Millionen US-Dollar und setzten sich wie folgt zusammen:

Hypothekentyp	Umsatz ($)
Vergabe von Wohnhypotheken	4,620,000
Hypothekenrefinanzierung	2,160,000
Gebühren für die Hypothekenbearbeitung	520,000

Investment- und Vermögensverwaltungsdienstleistungen

Die Einnahmen aus Wertpapierdienstleistungen beliefen sich im Jahr 2023 auf 3,9 Millionen US-Dollar:

• Beratungsdienste: 1.850.000 $
• Portfolioverwaltungsgebühren: 1.250.000 USD
• Ruhestandsplanungsdienste: 800.000 US-Dollar

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banktransaktionen erreichten im Jahr 2023 1,6 Millionen US-Dollar:

Digitaler Service	Transaktionsgebühren ($)
Online-Banking-Transaktionen	890,000
Mobile Banking-Transaktionen	510,000
Digitale Zahlungsabwicklung	200,000

United Bancorp, Inc. (UBCP) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose United Bancorp, Inc. (UBCP) over the competition. It boils down to local presence backed by solid financial performance and a commitment to shareholders.

Full-service community banking with local decision-making

United Bancorp, Inc. operates through its single bank charter, Unified Bank, maintaining a physical presence with eighteen banking offices across Ohio and Marshall County in West Virginia. This structure supports local decision-making, which is key for community banking relationships. As of September 30, 2025, the company reported total assets of $866.8 million and total shareholders' equity of $66.5 million. The bank is actively focused on growing its asset base toward the $1.0 billion level. The bank also has ongoing infrastructure investments, such as the development of a new Wheeling Banking Center and a future Unified Center in St. Clairsville, Ohio. That's how you build local trust.

Comprehensive retail, commercial, mortgage, and wealth services

The value proposition includes a full suite of services. You get the basics like checking and savings accounts, plus more specialized offerings. For instance, gross loans surpassed a milestone, exceeding $500.7 million as of the second quarter of 2025, reflecting a 3.4% year-over-year growth. The company also highlights its Unified Mortgage Division expansion and wealth management services. Here's a quick look at some key operational metrics as of late 2025:

Metric	Value (as of late 2025)	Context
Total Assets (Sept 30, 2025)	$866.8 million	Balance sheet size
Gross Loans (Q2 2025)	$500.7 million	Loan portfolio size milestone
Net Interest Margin (Q3 2025)	3.66%	Profitability on interest-earning assets
Total Deposits (Sept 30, 2025)	$645.2 million	Funding base

Stable credit quality with nonperforming assets at 0.60% of total assets

Maintaining a clean loan book is central to stability. For the second quarter of 2025, United Bancorp, Inc. reported robust credit quality, with nonperforming assets at 0.60% of total assets. While this metric was reported at 0.66% as of September 30, 2025, both figures compare favorably to industry peers and remain well below historic levels. The company reported net loans charged off (excluding overdrafts) for the first nine months of 2025 annualized at (0.04%) of average loans. This discipline is a core offering.

Attractive shareholder returns via a regular cash dividend

United Bancorp, Inc. definitely emphasizes shareholder returns. The board has been consistently increasing payouts. For example, the regular cash dividend was increased by 5.7% year-over-year for the second quarter payment. The fourth quarter regular dividend declared was $0.1875 per share. The total cash dividends paid for the first nine months of 2025 reached $0.73 per share (including a special dividend). This supports an attractive yield profile:

• Annual Dividend (TTM): $0.93
• Reported Dividend Yield (as of late 2025): 6.94%
• Payout Ratio (TTM): 70.22%
• Next Ex-Dividend Date: December 10, 2025

Treasury Management programs for commercial cash flow needs

The bank is actively investing in services to support its commercial clients' liquidity. United Bancorp, Inc. announced the implementation of Treasury Management Programs as a strategic investment to support future growth. This is paired with technology investments and the scaling out of its Treasury Management service line. You can see the focus on commercial services in the deposit mix, where noninterest-bearing demand deposits-often used for business cash flow-increased by 8.5% year-over-year to $156.3 million as of September 30, 2025. The bank also deployed $21 million in excess reserves into municipal securities, aiming for a taxable equivalent yield of 6.1%, which helps manage overall balance sheet efficiency for clients.

United Bancorp, Inc. (UBCP) - Canvas Business Model: Customer Relationships

United Bancorp, Inc. (UBCP) operates a relationship-driven model designed for long-term retention, which is evident in its loan portfolio composition. The small-business oriented commercial portfolio, which is relationship-driven, accounts for approximately eighty percent (80%) of the total loans. So, the focus is clearly on deepening ties with commercial clients. As of September 30, 2025, gross loans expanded by 4.5% year-over-year to $496.5 million, showing the success of this lending focus. Furthermore, core customer funding, as seen in noninterest bearing demand balances, reached $156.3 million as of that same date, representing an 8.5% year-over-year increase of $12.3 million. That growth in core deposits helps fund the loan demand.

Dedicated personal service is delivered through a localized physical footprint. United Bancorp, Inc., through its single charter, Unified Bank, maintains eighteen banking centers across its service area. These centers serve Ohio Counties including Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas, plus Marshall County in West Virginia. This structure helps United Bancorp, Inc. combine the responsiveness and personalized touch of a community bank with the capabilities of a larger institution.

The strategy supports enhanced cross-selling and on-boarding practices, particularly within the commercial segment where the bank seeks to grow its asset-base toward a goal of $1.0 billion or greater in total assets, up from $866.8 million as of September 30, 2025. The bank offers a full suite of services including personal and business banking, loans, mortgages, and wealth management solutions, which are entry points for deeper relationship development.

For commercial clients, there's a high-touch support structure, especially around cash flow services. United Bancorp, Inc. had a stronger commitment to developing its Treasury Management function in 2024, which provides fee-based services in cash management and payments to commercial customers.

Here are the key metrics reflecting the customer and shareholder relationship focus as of late 2025:

Relationship Metric	Value	Date/Context
Banking Centers	18	As of September 30, 2025
Commercial Loans (% of Total Loans)	80%	Relationship-driven focus
Gross Loans	$496.5 million	As of September 30, 2025
Noninterest Bearing Demand Balances	$156.3 million	As of September 30, 2025
Y-o-Y Noninterest Deposit Growth	8.5%	Year-over-year as of September 30, 2025
Q4 2025 Declared Dividend per Share	$0.19	Shareholder relationship metric

The commitment to shareholders, a key relationship, is shown through consistent dividend increases. The fourth quarter 2025 dividend was declared at $0.19 per share, yielding a forward yield of 5.4%. This follows the third quarter 2025 payment of $0.1875 per share.

The operational structure supporting these relationships includes:

• Maintaining a strong regional focus in Ohio and West Virginia markets.
• Focusing on attracting more deposits to fund increased loan demand.
• Delivering digital banking platforms for remote account management.
• Achieving diluted earnings per share of $0.34 in Q3 2025.

United Bancorp, Inc. (UBCP) - Canvas Business Model: Channels

You're looking at how United Bancorp, Inc. (UBCP) physically and digitally reaches its customers as of late 2025. It's a mix of traditional community presence and necessary digital upgrades.

The core physical distribution network remains centered around its 18 brick-and-mortar banking centers in Ohio and West Virginia. Specifically, Unified Bank serves customers across the Ohio Counties of Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas, plus Marshall County in West Virginia, as of September 30, 2025.

The company is actively expanding its physical footprint with the new regional banking hub in Wheeling, West Virginia. As of the November 6, 2025 report, this highly-promising banking center was scheduled to open within the next few weeks. This construction, along with other investments in technology, has added to noninterest expense levels over the past twelve months.

For round-the-clock service, United Bancorp, Inc. relies on its online and mobile banking platforms for 24/7 access. Management has noted significant investment in technology and digital transformation as a key strategic initiative.

Specialized lending is channeled through the Unified Mortgage Division. This division is noted for generating higher fee income through the sale of secondary market products and increased interest income from portfolio loans. The expansion of this division is a stated strategic investment.

Here's a look at the scale of the business supporting these channels as of the third quarter of 2025:

Metric	Value (as of September 30, 2025)	Value (as of June 30, 2025)
Total Assets	$866.8 million	$847.9 million
Gross Loans	$496.5 million	Exceeded $500.7 million
Total Deposits	$645.2 million	$642.9 million
Net Interest Margin (NIM)	3.66%	3.65%

The physical and digital touchpoints are supported by the overall operational scale:

• Number of banking centers: 18.
• Net Income (Q3 2025): $1,931,000.
• Net Income (First Nine Months 2025): $5,717,000.
• Nonperforming Assets to Total Assets (Sep 30, 2025): 0.66%.
• Unified Mortgage net realized gain year-over-year (as of early 2025 report): Increase of $453,000.

The growth in loan volume, which surpassed the half-billion dollar threshold for the first time, is directly tied to these channels, including the business development efforts already in place for the upcoming Wheeling center. Finance: draft 13-week cash view by Friday.

United Bancorp, Inc. (UBCP) - Canvas Business Model: Customer Segments

United Bancorp, Inc. serves its customer base through its single bank charter, Unified Bank, focusing on a defined regional footprint.

The primary geographic and scale metrics defining the customer base as of late 2025, based on September 30, 2025, financial reporting, are detailed below:

Metric	Value as of September 30, 2025	Context
Total Assets	$866.8 million	Overall scale of the institution serving all segments.
Gross Loans	$496.5 million	Total lending activity across commercial, real estate, and consumer loans.
Total Deposits	$645.2 million	Total funding base from retail and commercial depositors.
Banking Centers	18	Physical presence for retail and local business service delivery.
Nonperforming Assets to Total Assets	0.66%	Indicator of overall credit quality across the loan portfolio segments.

Retail customers within regional Ohio and West Virginia counties form the foundational segment, supported by the physical network.

• Operating region includes Ohio Counties: Athens, Belmont, Carroll, Fairfield, Harrison, Jefferson, and Tuscarawas.
• Operating region includes West Virginia County: Marshall County.
• The company is headquartered in Martins Ferry, Ohio.

Small-to-midsize businesses (SMBs) needing commercial loans and deposits represent a core commercial segment.

The lending focus for this segment is evidenced by the composition of the gross loan portfolio.

• The loan portfolio includes commercial and real estate loans.
• Gross Loans totaled $496.5 million as of September 30, 2025.
• The bank competes with approximately 27 other commercial banking institutions in its main market of Belmont County, Ohio, based on June 30, 2024, deposit market share data.

Wealth management clients seeking investment services are served through specialized offerings.

• Key offerings include Retirement planning and Investment portfolio management.
• Trust and estate planning services are also provided.

Real estate investors and developers in the operating region are a specific subset of the lending customer base.

This group utilizes the bank's real estate lending capabilities, which contribute to the overall gross loan balance of $496.5 million.

The company also serves its shareholders, who are a distinct financial segment, as evidenced by its commitment to capital returns:

• Total cash dividends paid year-to-date (first nine months of 2025) amounted to $0.92 per share.
• The fourth quarter 2025 regular cash dividend was declared at $0.19 per share.

United Bancorp, Inc. (UBCP) - Canvas Business Model: Cost Structure

You're looking at the expense side of United Bancorp, Inc. (UBCP)'s operations as of late 2025. This is where the rubber meets the road on funding growth and maintaining service levels across their eighteen banking centers.

The cost of funding, specifically interest expense on deposits, is a major factor. For the period ending September 30th, 2025, the interest expense to average assets ratio stood at 1.80%. This figure reflects the cost of deposits in the current rate environment, though management expressed optimism about seeing a decline in total interest expense levels moving forward.

Personnel is another significant outlay. United Bancorp, Inc. supports its operations with a team of 126 employees, a number that remained steady as of December 31, 2024. While the exact personnel and compensation expense for 2025 isn't itemized here, it forms a core part of the overall noninterest expense base.

Credit quality management requires setting aside funds, which shows up as the provision for credit losses. For the third quarter of 2025, this provision was reported at $186,000. This was notably higher than the $70,000 provision set aside in the third quarter of the prior year. For the first nine months of 2025, the cumulative provision for credit loss expense reached $488,000.

The commitment to staying competitive means spending on the future. United Bancorp, Inc. has been making noninterest expense investments in strategic areas like the development and scaling of Unified Mortgage and Treasury Management Programs, plus general investment in new technology and digital transformation. The total noninterest expense for the third quarter of 2025 was $146.7 million, an 8% increase year-over-year.

Maintaining the physical footprint is a necessary cost. United Bancorp, Inc. operates through its subsidiary, Unified Bank, which has about 18 branches across its markets in Ohio and West Virginia. The occupancy and equipment costs for these centers are tracked closely. For the period ending June 30, 2025, the reported Occupancy and Equipment expense was $620 (in the filing's stated units).

Here's a look at some of the key expense components we can quantify from recent filings:

Cost Category	Reported Amount/Rate	Period/Context
Interest Expense to Average Assets	1.80%	As of Q3 2025
Provision for Credit Losses	$186,000	Q3 2025
Provision for Credit Losses (YTD)	$488,000	First Nine Months of 2025
Total Noninterest Expense	$146.7 million	Q3 2025
Occupancy and Equipment Cost	$620	As of June 30, 2025
Total Employees	126	As of December 31, 2024

You can see the pressure points in the cost structure:

• Interest expense on deposits at 1.80% of average assets.
• A rising provision for credit losses, hitting $186,000 in Q3 2025.
• Ongoing noninterest expense related to strategic technology and branch investments.
• The fixed cost base supporting 18 banking centers.

Finance: draft 13-week cash view by Friday.

United Bancorp, Inc. (UBCP) - Canvas Business Model: Revenue Streams

You're looking at the core ways United Bancorp, Inc. (UBCP) brings in money as of late 2025. It's heavily weighted toward traditional banking income, but fee-based services are chipping in more, too.

Net Interest Income (NII) from loans and securities remains the bedrock. For the third quarter ending September 30, 2025, United Bancorp, Inc. reported net interest income of $6.73 million. This represented a solid year-over-year increase of 9.6%. Looking at the longer trend, for the first nine months of 2025, the cumulative net interest income reached $19.57 million. Total interest income for the quarter was $10.6 million, up 7.0% year-over-year, supported by higher loan yields and growth in gross loans to $496.5 million.

The efficiency of that interest income generation is captured by the Net Interest Margin (NIM). United Bancorp, Inc.'s federal tax equivalent NIM was 3.66% in Q3 2025. This was an expansion of 16 basis points compared to the prior year period. On the funding side, interest expense to average assets was reported at 1.80% year-over-year for the quarter.

Here's a quick look at the core interest-driven revenue performance for Q3 2025:

Metric	Amount/Rate	Context
Net Interest Income (NII)	$6.73 million	Q3 2025
NII Year-over-Year Growth	9.6%	Q3 2025 vs. Q3 2024
Net Interest Margin (NIM)	3.66%	Federal Tax Equivalent, Q3 2025
Interest Expense to Average Assets	1.80%	Q3 2025
Nine-Month NII	$19.57 million	Nine Months Ended Sept 30, 2025

Beyond interest earnings, fee and service income contributes to the top line. You see this in the performance of Loan fees and service charges on deposit accounts. For the quarter, loan fees specifically saw a decline of 4.4%.

The broader category of Noninterest income showed strength, increasing 10.9% to reach $1.4 million in Q3 2025. This income stream includes various fee-based services. For instance, fees from brokerage services saw an increase of $1.4 million quarter-over-quarter, contributing to the overall noninterest income growth. While the specific revenue from fee-based Treasury Management services isn't broken out separately, it falls within this growing noninterest income bucket.

The final component mentioned relates to asset sales, though specific figures for the Net realized gain on the sale of loans from Unified Mortgage Division aren't explicitly detailed in the latest reports found. However, other noninterest income drivers were significant; for example, net gains on investment securities for Q3 2025 were reported at $10.4 million.

You can see the mix of fee-related revenue streams here:

• Total Noninterest Income (Q3 2025): $1.4 million
• Noninterest Income Year-over-Year Growth: 10.9%
• Loan Fees Change: Down 4.4%
• Fees from Brokerage Services Increase: $1.4 million (quarter-over-quarter)

Finance: draft 13-week cash view by Friday.