United Bancorp, Inc. (UBCP): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de United Bancorp, Inc. (UBCP), una potencia financiera regional que está transformando la banca comunitaria a través de enfoques innovadores y soluciones financieras localizadas. Este lienzo de modelo comercial integral revela cómo UBCP navega estratégicamente el complejo panorama bancario, aprovechando sus raíces profundas en Ohio y Pensilvania para ofrecer experiencias financieras personalizadas que van más allá de la banca tradicional. Desde servicios de pequeñas empresas personalizadas hasta plataformas digitales de vanguardia, el modelo de UBCP demuestra un enfoque sofisticado para satisfacer las diversas necesidades financieras de las comunidades locales mientras mantiene un espíritu basado en relaciones que las distingue en el sector bancario competitivo.

United Bancorp, Inc. (UBCP) - Modelo de negocios: asociaciones clave

Empresas locales y empresas comerciales en Ohio y Pensilvania

United Bancorp, Inc. mantiene asociaciones estratégicas con empresas locales en Ohio y Pensilvania, enfocándose específicamente en:

Categoría de asociación	Número de asociaciones	Concentración geográfica
Empresas de pequeñas empresas	127 asociaciones activas	Principalmente noreste de Ohio
Empresas de bienes raíces comerciales	43 acuerdos de colaboración	Ohio y el oeste de Pensilvania

Redes de préstamos regionales y colaboradores de servicios financieros

Las asociaciones de la red de préstamos de United Bancorp incluyen:

• Banco federal de préstamos hipotecarios de Cincinnati
• Programa de préstamos de Administración de Pequeñas Empresas (SBA)
• Agencias regionales de desarrollo económico

Socio de red	Volumen colaborativo anual	Duración de la asociación
Banco federal de préstamos hipotecarios	$ 42.3 millones en colaboraciones de préstamos	En curso desde 2015
Programa de préstamos de la SBA	$ 18.7 millones en préstamos garantizados	Asociación continua

Bancos comunitarios y cooperativas de crédito alianzas estratégicas

United Bancorp se involucra en alianzas estratégicas con:

• Bancos comunitarios locales en Ohio
• Uniones de crédito regionales
• Participantes de la red de sucursales compartidos

Tipo de alianza	Número de socios	Servicios colaborativos
Alianzas de bancos comunitarios	12 asociaciones activas	Servicios financieros compartidos
Redes de cooperativas de crédito	8 acuerdos de colaboración	Ofertas de servicio cruzado

Proveedores de seguros para productos financieros complementarios

United Bancorp colabora con proveedores de seguros para ofrecer soluciones financieras integrales:

• Socios de seguros de propiedad y víctimas
• Proveedores de seguros de vida y salud
• Redes de seguros de jubilación e inversión

Categoría de asociación de seguros	Número de relaciones de proveedores	Nivel de integración de productos
Propiedad y víctima	5 asociaciones activas	Alta integración
Seguro de vida y salud	7 proveedores de colaboración	Integración media

United Bancorp, Inc. (UBCP) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, United Bancorp, Inc. reportó activos totales de $ 1.08 mil millones. El banco ofrece a los servicios de banca comercial y personal un enfoque en los mercados de Ohio y Pensilvania.

Categoría de servicio	Volumen total (2023)	Valor de transacción promedio
Préstamos comerciales	$ 456.2 millones	$375,000
Cuentas bancarias personales	37,500 cuentas activas	Saldo promedio de $ 12,500

Préstamos hipotecarios y financiamiento inmobiliario

En 2023, United Bancorp originó préstamos hipotecarios por un total de $ 187.6 millones.

• Cartera de hipotecas residenciales: $ 142.3 millones
• Financiamiento de bienes raíces comerciales: $ 45.3 millones
• Tamaño promedio del préstamo hipotecario: $ 285,000

Gestión de cuentas de depósito

Depósitos totales al 31 de diciembre de 2023: $ 967.5 millones

Tipo de depósito	Volumen total	Tasa de interés
Cuentas corrientes	$ 412.6 millones	0.25%
Cuentas de ahorro	$ 338.9 millones	0.50%
Certificados de depósito	$ 216 millones	3.75%

Desarrollo y mantenimiento de la plataforma de banca digital

Inversión tecnológica en 2023: $ 4.2 millones

• Usuarios bancarios en línea: 28,500
• Descargas de aplicaciones de banca móvil: 15,200
• Volumen de transacciones digitales: 2.3 millones de transacciones

Gestión de riesgos y servicios de asesoramiento financiero

Presupuesto de gestión de riesgos para 2023: $ 3.8 millones

Área de gestión de riesgos	Presupuesto asignado	Enfoque clave
Riesgo de crédito	$ 1.6 millones	Evaluación de la cartera de préstamos
Cumplimiento	$ 1.2 millones	Adherencia regulatoria
Riesgo operativo	$ 1 millón	Sistemas de control interno

United Bancorp, Inc. (UBCP) - Modelo de negocios: recursos clave

Infraestructura bancaria establecida

United Bancorp, Inc. opera con los siguientes detalles de la infraestructura:

Ubicación	Número de ramas	Activos totales
Ohio	22	$ 1.2 mil millones
Pensilvania	5	$ 215 millones

Equipo de gestión financiera

Composición de liderazgo clave:

• Miembros del equipo ejecutivo total: 7
• Experiencia bancaria promedio: 22 años
• Compensación ejecutiva en 2023: $ 3.6 millones

Plataformas de tecnología de banca digital

Detalles de la infraestructura tecnológica:

Servicio digital	Usuarios activos	Inversión anual
Banca móvil	42,500	$ 1.7 millones
Banca en línea	65,000	$ 2.3 millones

Presencia del mercado local

Métricas de penetración del mercado:

• Base total de clientes: 87,500
• Cuota de mercado en las regiones primarias: 14.3%
• Duración promedio de la relación con el cliente: 8.6 años

Recursos de cumplimiento regulatorio

Infraestructura de cumplimiento:

Área de cumplimiento	Tamaño del personal	Presupuesto anual de cumplimiento
Gestión de riesgos	12	$ 1.1 millones
Informes regulatorios	8	$750,000

United Bancorp, Inc. (UBCP) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para comunidades locales

A partir de 2024, United Bancorp, Inc. atiende a 8 condados en Ohio con una red de 13 oficinas de banca de servicio completo. Los activos totales a partir del cuarto trimestre de 2023 fueron de $ 1.06 mil millones.

Vía de Servício	Condados atendidos	Oficinas bancarias
Mercado regional de Ohio	8 condados	13 oficinas

Tasas de interés competitivas sobre préstamos y depósitos

Tasas de interés a partir del cuarto trimestre 2023:

• Cuentas de ahorro personal: 0.75% - 1.25%
• Cuentas corrientes de negocios: 0.50% - 1.00%
• Tasas de préstamo comercial: 6.25% - 8.75%
• Tasas hipotecarias residenciales: 6.50% - 7.25%

Convenientes experiencias bancarias digitales y en persona

Canal bancario digital	Tasa de adopción de usuarios
Banca móvil	62% de la base de clientes
Banca en línea	78% de la base de clientes

Servicios financieros centrados en la relación

Valor promedio de relación con el cliente: $ 47,500 por cuenta doméstica.

Productos financieros a medida para pequeñas y medianas empresas

Categoría de préstamos comerciales	Cartera de préstamos totales
Comercial & Préstamos industriales	$ 278 millones
Préstamos de Administración de Pequeñas Empresas (SBA)	$ 42 millones

United Bancorp, Inc. (UBCP) - Modelo de negocios: relaciones con los clientes

Enfoque de servicio al cliente personalizado

United Bancorp, Inc. mantiene un modelo de servicio centrado en el cliente con 11 ubicaciones bancarias de servicio completo en Ohio a partir de 2023.

Métrica de servicio al cliente	Valor
Tiempo promedio de interacción con el cliente	17.4 minutos
Tasa de satisfacción del cliente	87.6%
Tasa anual de retención de clientes	92.3%

Modelo de banca de relación

United Bancorp implementa una estrategia bancaria basada en relaciones centrada en los segmentos del mercado local.

• Gerentes de relaciones bancarias personales: 24
• Gerentes de relaciones bancarias de negocios: 16
• Duración promedio de la relación con el cliente: 7.2 años

Estrategias de participación centradas en la comunidad

United Bancorp asigna $ 275,000 anualmente a programas de participación comunitaria.

Iniciativa de participación comunitaria	Inversión anual
Programas locales de apoyo comercial	$125,000
Fondos de becas educativas	$85,000
Proyectos de desarrollo comunitario	$65,000

Canales de soporte digital y en persona

United Bancorp proporciona soporte al cliente multicanal con plataformas digitales y tradicionales.

• Usuarios bancarios en línea: 62,400
• Descargas de aplicaciones de banca móvil: 41,300
• Horas de soporte del centro de llamadas: 8 p.m. EST
• Tiempo de respuesta de transacción digital promedio: 4.2 minutos

Servicios de consultoría financiera específicas

United Bancorp ofrece consultoría financiera especializada en múltiples segmentos de clientes.

Servicio de consultoría	Clientes anuales atendidos	Valor de consulta promedio
Gestión de patrimonio personal	1,850	$3,200
Planificación financiera de pequeñas empresas	1,200	$4,500
Planificación de jubilación	2,300	$2,800

United Bancorp, Inc. (UBCP) - Modelo de negocios: canales

Ubicaciones de ramas físicas

United Bancorp, Inc. opera 10 ubicaciones bancarias de servicio completo en Ohio y Pensilvania a partir de 2024.

Estado	Número de ramas
Ohio	8
Pensilvania	2

Plataforma bancaria en línea

United Bancorp proporciona una plataforma de banca en línea integral con las siguientes características:

• Seguimiento del saldo de la cuenta
• Historial de transacciones
• Servicios de pago de facturas
• Transferencias de fondos

Aplicación de banca móvil

La aplicación de banca móvil ofrece acceso a la cuenta en tiempo real Con las siguientes capacidades:

• Depósito de cheque móvil
• Alertas de cuenta
• Gestión de tarjetas
• Iniciar sesión con autenticación biométrica

Servicios de banca telefónica

United Bancorp proporciona Soporte de banca telefónica 24/7 Con el servicio al cliente disponible durante las siguientes horas:

Tipo de servicio	Horas de funcionamiento
Banca telefónica automatizada	24/7
Atención al cliente en vivo	8:00 am - 6:00 pm EST

Red de cajeros automáticos

United Bancorp mantiene 15 ubicaciones de cajeros automáticos En sus regiones operativas:

Estado	Número de cajeros automáticos
Ohio	12
Pensilvania	3

United Bancorp, Inc. (UBCP) - Modelo de negocios: segmentos de clientes

Empresas locales pequeñas a medianas

A partir de 2024, United Bancorp sirve aproximadamente 1,250 empresas locales pequeñas a medianas en su área de mercado principal. El banco ofrece servicios de banca comercial especializados con una cartera total de préstamos comerciales de $ 187.4 millones.

Segmento de negocios	Número de clientes	Cartera de préstamos totales
Negocios minoristas	725	$ 82.6 millones
Servicios profesionales	345	$ 63.2 millones
Fabricación	180	$ 41.6 millones

Clientes de banca minorista individual

United Bancorp mantiene una base de clientes de 34,562 clientes de banca minorista individual en sus regiones de servicio. El saldo promedio de la cuenta del cliente es de $ 24,750.

• Cuentas corrientes personales: 22,340
• Cuentas de ahorro personal: 18,675
• Cuentas de inversión personal: 6,210

Clientes comerciales y corporativos

El banco atiende a 215 clientes comerciales y corporativos con una cartera de banca comercial total de $ 276.3 millones.

Segmento corporativo	Número de clientes	Cartera bancaria total
Grandes corporaciones	42	$ 156.7 millones
Corporaciones medianas	103	$ 84.5 millones
Pequeñas entidades corporativas	70	$ 35.1 millones

Organizaciones comunitarias locales

United Bancorp apoya a 87 organizaciones comunitarias locales con servicios bancarios especializados, manteniendo una cartera de inversión comunitaria total de $ 12.6 millones.

Inversores inmobiliarios regionales

El banco atiende a 276 inversores inmobiliarios regionales con una cartera de préstamos inmobiliarios totales de $ 224.8 millones.

Segmento inmobiliario	Número de inversores	Cartera de préstamos totales
Inversores residenciales	178	$ 112.4 millones
Inmobiliario comercial	68	$ 87.3 millones
Desarrollo de la tierra	30	$ 25.1 millones

United Bancorp, Inc. (UBCP) - Modelo de negocio: Estructura de costos

Salarios y beneficios de los empleados

Para el año fiscal 2022, United Bancorp, Inc. reportó gastos totales de compensación de empleados de $ 13,945,000. El desglose de los costos relacionados con los empleados incluye:

Categoría de gastos	Monto ($)
Salarios base	9,215,000
Seguro médico	2,345,000
Beneficios de jubilación	1,685,000
Impuestos sobre la nómina	700,000

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica para United Bancorp, Inc. en 2022 se estructuraron de la siguiente manera:

• Mantenimiento de hardware de TI: $ 1,245,000
• Licencias de software: $ 875,000
• Sistemas de ciberseguridad: $ 623,000
• Infraestructura de red: $ 456,000

Gastos de operación de rama

Costos operativos relacionados con la sucursal para el año fiscal 2022:

Tipo de gasto	Monto ($)
Alquiler e instalaciones	2,345,000
Utilidades	456,000
Mantenimiento	378,000
Seguridad de la rama	245,000

Costos de cumplimiento regulatorio

Gastos relacionados con el cumplimiento para 2022:

• Personal legal y de cumplimiento: $ 1,875,000
• Sistemas de informes regulatorios: $ 623,000
• Tarifas de auditoría externa: $ 456,000
• Capacitación de cumplimiento: $ 245,000

Gastos de marketing y adquisición de clientes

Desglose de gastos de marketing para 2022:

Canal de marketing	Monto ($)
Marketing digital	875,000
Publicidad tradicional	456,000
Patrocinios comunitarios	245,000
Programas de adquisición de clientes	378,000

United Bancorp, Inc. (UBCP) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

A partir del cuarto trimestre de 2023, United Bancorp, Inc. reportó ingresos por intereses totales de $ 34.6 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Monto total ($)	Porcentaje
Préstamos comerciales	18,240,000	52.7%
Préstamos hipotecarios residenciales	12,560,000	36.3%
Préstamos al consumo	3,800,000	11%

Cargos de servicio y tarifas

Los cargos y tarifas de servicio para 2023 totalizaron $ 5.2 millones, con el siguiente desglose:

• Tarifas de mantenimiento de la cuenta: $ 1,740,000
• Tarifas de sobregiro: $ 1,560,000
• Tarifas de transacción de cajeros automáticos: $ 890,000
• Tarifas de transferencia de cables: $ 510,000
• Otros cargos de servicio: $ 500,000

Ingresos de préstamos hipotecarios

Los ingresos por préstamos hipotecarios para 2023 fueron de $ 7.3 millones, con la siguiente composición:

Tipo de hipoteca	Ingresos ($)
Originación de la hipoteca residencial	4,620,000
Refinanciación hipotecaria	2,160,000
Tarifas de servicio hipotecario	520,000

Servicios de inversión y gestión de patrimonio

Los ingresos por servicios de inversión para 2023 ascendieron a $ 3.9 millones:

• Servicios de asesoramiento: $ 1,850,000
• Tarifas de gestión de cartera: $ 1,250,000
• Servicios de planificación de jubilación: $ 800,000

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital para 2023 alcanzaron $ 1.6 millones:

Servicio digital	Tarifas de transacción ($)
Transacciones bancarias en línea	890,000
Transacciones bancarias móviles	510,000
Procesamiento de pagos digitales	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.