United Bancorp, Inc. (UBCP): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da United Bancorp, Inc. (UBCP), uma potência financeira regional que está transformando o banco comunitário por meio de abordagens inovadoras e soluções financeiras localizadas. Esta tela abrangente de modelo de negócios revela como o UBCP navega estrategicamente no cenário bancário complexo, alavancando suas profundas raízes em Ohio e Pensilvânia para oferecer experiências financeiras personalizadas que vão além do setor bancário tradicional. Desde serviços de pequenas empresas personalizadas até plataformas digitais de ponta, o modelo da UBCP demonstra uma abordagem sofisticada para atender às diversas necessidades financeiras das comunidades locais, mantendo um ethos orientado por relacionamento que os diferencia no setor bancário competitivo.

United Bancorp, Inc. (UBCP) - Modelo de negócios: Parcerias -chave

Empresas e empresas comerciais locais em Ohio e Pensilvânia

A United Bancorp, Inc. mantém parcerias estratégicas com empresas locais em Ohio e Pensilvânia, concentrando -se especificamente em:

Categoria de parceria	Número de parcerias	Concentração geográfica
Pequenas empresas	127 parcerias ativas	Principalmente nordeste de Ohio
Empresas imobiliárias comerciais	43 acordos colaborativos	Ohio e oeste da Pensilvânia

Redes regionais de empréstimos e colaboradores de serviços financeiros

As parcerias de rede de empréstimos da United Bancorp incluem:

• Banco federal de empréstimos à habitação de Cincinnati
• Programa de empréstimo para Administração de Pequenas Empresas (SBA)
• Agências de desenvolvimento econômico regional

Parceiro de rede	Volume colaborativo anual	Duração da parceria
Banco Federal de Empréstimo à habitação	US $ 42,3 milhões em colaborações de empréstimos	Em andamento desde 2015
Programa de empréstimos da SBA	US $ 18,7 milhões em empréstimos garantidos	Parceria contínua

Bancos comunitários e cooperativas de crédito Alianças estratégicas

United Bancorp se envolve em alianças estratégicas com:

• Bancos comunitários locais em Ohio
• Cooperativas de crédito regionais
• Participantes da rede de filiais compartilhados

Tipo de aliança	Número de parceiros	Serviços colaborativos
Alianças de bancos comunitários	12 parcerias ativas	Serviços financeiros compartilhados
Redes de união de crédito	8 acordos colaborativos	Ofertas de serviço transversal

Provedores de seguros para produtos financeiros complementares

A United Bancorp colabora com provedores de seguros para oferecer soluções financeiras abrangentes:

• Parceiros de seguro de propriedade e vítimas
• Provedores de seguro de vida e saúde
• Redes de aposentadoria e seguro de investimento

Categoria de parceria de seguro	Número de relacionamentos de provedores	Nível de integração de produtos
Propriedade e vítima	5 parcerias ativas	Alta integração
Seguro de Vida e Saúde	7 fornecedores colaborativos	Integração média

United Bancorp, Inc. (UBCP) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

A partir do quarto trimestre de 2023, a United Bancorp, Inc. relatou ativos totais de US $ 1,08 bilhão. O banco fornece serviços bancários comerciais e pessoais com foco nos mercados de Ohio e Pensilvânia.

Categoria de serviço	Volume total (2023)	Valor médio da transação
Empréstimos comerciais	US $ 456,2 milhões	$375,000
Contas bancárias pessoais	37.500 contas ativas	Balanço médio de US $ 12.500

Empréstimos hipotecários e financiamento imobiliário

Em 2023, o United Bancorp originou empréstimos hipotecários, totalizando US $ 187,6 milhões.

• Portfólio de hipoteca residencial: US $ 142,3 milhões
• Financiamento imobiliário comercial: US $ 45,3 milhões
• Tamanho médio do empréstimo hipotecário: US $ 285.000

Gerenciamento de conta de depósito

Total de depósitos em 31 de dezembro de 2023: US $ 967,5 milhões

Tipo de depósito	Volume total	Taxa de juro
Contas de verificação	US $ 412,6 milhões	0.25%
Contas de poupança	US $ 338,9 milhões	0.50%
Certificados de depósito	US $ 216 milhões	3.75%

Desenvolvimento e manutenção da plataforma bancária digital

Investimento de tecnologia em 2023: US $ 4,2 milhões

• Usuários bancários online: 28.500
• Downloads de aplicativos bancários móveis: 15.200
• Volume de transação digital: 2,3 milhões de transações

Gerenciamento de riscos e serviços de consultoria financeira

Orçamento de gerenciamento de riscos para 2023: US $ 3,8 milhões

Área de gerenciamento de riscos	Orçamento alocado	Foco principal
Risco de crédito	US $ 1,6 milhão	Avaliação da carteira de empréstimos
Conformidade	US $ 1,2 milhão	Adesão regulatória
Risco operacional	US $ 1 milhão	Sistemas de controle interno

United Bancorp, Inc. (UBCP) - Modelo de negócios: Recursos -chave

Infraestrutura bancária estabelecida

A United Bancorp, Inc. opera com os seguintes detalhes da infraestrutura:

Localização	Número de ramificações	Total de ativos
Ohio	22	US $ 1,2 bilhão
Pensilvânia	5	US $ 215 milhões

Equipe de gestão financeira

Composição de liderança -chave:

• Total de membros da equipe executiva: 7
• Experiência bancária média: 22 anos
• Remuneração de executivos em 2023: US $ 3,6 milhões

Plataformas de tecnologia bancária digital

Detalhes da infraestrutura de tecnologia:

Serviço digital	Usuários ativos	Investimento anual
Mobile Banking	42,500	US $ 1,7 milhão
Bancos online	65,000	US $ 2,3 milhões

Presença do mercado local

Métricas de penetração de mercado:

• Base total de clientes: 87.500
• Participação de mercado nas regiões primárias: 14,3%
• Duração média do relacionamento do cliente: 8,6 anos

Recursos de conformidade regulatória

Infraestrutura de conformidade:

Área de conformidade	Tamanho da equipe	Orçamento anual de conformidade
Gerenciamento de riscos	12	US $ 1,1 milhão
Relatórios regulatórios	8	$750,000

United Bancorp, Inc. (UBCP) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para comunidades locais

A partir de 2024, a United Bancorp, Inc. atende a 8 municípios de Ohio com uma rede de 13 escritórios bancários de serviço completo. O total de ativos a partir do quarto trimestre de 2023 foi de US $ 1,06 bilhão.

Área de serviço	Condados servidos	Escritórios bancários
Mercado Regional de Ohio	8 municípios	13 escritórios

Taxas de juros competitivas em empréstimos e depósitos

Taxas de juros a partir do quarto trimestre 2023:

• Contas de poupança pessoal: 0,75% - 1,25%
• Contas de corrente de negócios: 0,50% - 1,00%
• Taxas de empréstimos comerciais: 6,25% - 8,75%
• Taxas de hipoteca residencial: 6,50% - 7,25%

Experiências bancárias digitais e pessoais convenientes

Canal bancário digital	Taxa de adoção do usuário
Mobile Banking	62% da base de clientes
Bancos online	78% da base de clientes

Serviços financeiros focados em relacionamento

Valor médio do relacionamento do cliente: US $ 47.500 por conta doméstica.

Produtos financeiros personalizados para pequenas e médias empresas

Categoria de empréstimos para negócios	Portfólio total de empréstimos
Comercial & Empréstimos industriais	US $ 278 milhões
Empréstimos para Administração de Pequenas Empresas (SBA)	US $ 42 milhões

United Bancorp, Inc. (UBCP) - Modelo de Negócios: Relacionamentos do Cliente

Abordagem personalizada de atendimento ao cliente

United Bancorp, Inc. mantém um Modelo de serviço centrado no cliente com 11 locais bancários de serviço completo em Ohio a partir de 2023.

Métrica de atendimento ao cliente	Valor
Tempo médio de interação do cliente	17,4 minutos
Taxa de satisfação do cliente	87.6%
Taxa anual de retenção de clientes	92.3%

Modelo bancário de relacionamento

A United Bancorp implementa uma estratégia bancária orientada para o relacionamento focada nos segmentos de mercado local.

• Gerentes de relacionamento bancário pessoal: 24
• Gerentes de relacionamento bancários de negócios: 16
• Duração média do relacionamento do cliente: 7,2 anos

Estratégias de engajamento focadas na comunidade

United Bancorp aloca US $ 275.000 anualmente para programas de envolvimento da comunidade.

Iniciativa de engajamento da comunidade	Investimento anual
Programas de suporte comercial local	$125,000
Fundos de bolsas educacionais	$85,000
Projetos de desenvolvimento comunitário	$65,000

Canais de suporte digital e pessoal

A United Bancorp fornece suporte ao cliente multicanal com plataformas digitais e tradicionais.

• Usuários bancários online: 62.400
• Downloads de aplicativos bancários móveis: 41.300
• Horário de suporte de call center: 20h às 20h EST
• Tempo médio de resposta da transação digital: 4,2 minutos

Serviços de consultoria financeira direcionada

A United Bancorp oferece consultoria financeira especializada em vários segmentos de clientes.

Serviço de consultoria	Clientes anuais atendidos	Valor médio de consulta
Gestão de patrimônio pessoal	1,850	$3,200
Planejamento financeiro de pequenas empresas	1,200	$4,500
Planejamento de aposentadoria	2,300	$2,800

United Bancorp, Inc. (UBCP) - Modelo de Negócios: Canais

Locais de ramificação física

United Bancorp, Inc. opera 10 locais bancários de serviço completo em Ohio e Pensilvânia a partir de 2024.

Estado	Número de ramificações
Ohio	8
Pensilvânia	2

Plataforma bancária online

O United Bancorp fornece uma plataforma bancária on -line abrangente com os seguintes recursos:

• Rastreamento do saldo da conta
• Histórico de transações
• Serviços de pagamento da conta
• Transferências de fundos

Aplicativo bancário móvel

O aplicativo bancário móvel oferece Acesso à conta em tempo real Com os seguintes recursos:

• Depósito de cheque móvel
• Alertas da conta
• Gerenciamento de cartões
• Login seguro com autenticação biométrica

Serviços bancários telefônicos

O United Bancorp fornece Suporte a banco por telefone 24/7 Com o atendimento ao cliente disponível durante o horário seguinte:

Tipo de serviço	Horário de funcionamento
Banco telefônico automatizado	24/7
Suporte ao cliente ao vivo	8:00 - 18:00 EST

Rede ATM

United Bancorp sustenta 15 ATM localizações em suas regiões operacionais:

Estado	Número de caixas eletrônicos
Ohio	12
Pensilvânia	3

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

Empresas pequenas e médias locais

Em 2024, o United Bancorp atende a aproximadamente 1.250 empresas locais pequenas e médias em sua área de mercado principal. O Banco fornece serviços especializados em bancos de negócios com um portfólio total de empréstimos comerciais de US $ 187,4 milhões.

Segmento de negócios	Número de clientes	Portfólio total de empréstimos
Negócios de varejo	725	US $ 82,6 milhões
Serviços profissionais	345	US $ 63,2 milhões
Fabricação	180	US $ 41,6 milhões

Clientes bancários de varejo individuais

A United Bancorp mantém uma base de clientes de 34.562 clientes de banco de varejo individuais em suas regiões de serviço. O saldo médio da conta do cliente é de US $ 24.750.

• Contas de corrente pessoal: 22.340
• Contas de poupança pessoal: 18.675
• Contas de investimento pessoal: 6.210

Clientes comerciais e corporativos

O banco atende a 215 clientes comerciais e corporativos com um portfólio bancário comercial total de US $ 276,3 milhões.

Segmento corporativo	Número de clientes	Portfólio bancário total
Grandes corporações	42	US $ 156,7 milhões
Corporações de tamanho médio	103	US $ 84,5 milhões
Pequenas entidades corporativas	70	US $ 35,1 milhões

Organizações comunitárias locais

A United Bancorp suporta 87 organizações comunitárias locais com serviços bancários especializados, mantendo um portfólio total de investimentos comunitários de US $ 12,6 milhões.

Investidores imobiliários regionais

O banco atende a 276 investidores imobiliários regionais com um portfólio total de empréstimos imobiliários de US $ 224,8 milhões.

Segmento imobiliário	Número de investidores	Portfólio total de empréstimos
Investidores residenciais	178	US $ 112,4 milhões
Imóveis comerciais	68	US $ 87,3 milhões
Desenvolvimento da terra	30	US $ 25,1 milhões

United Bancorp, Inc. (UBCP) - Modelo de negócios: estrutura de custos

Salários e benefícios dos funcionários

Para o ano fiscal de 2022, a United Bancorp, Inc. registrou despesas totais de remuneração de funcionários de US $ 13.945.000. A quebra dos custos relacionados aos funcionários inclui:

Categoria de despesa	Valor ($)
Salários da base	9,215,000
Seguro de saúde	2,345,000
Benefícios de aposentadoria	1,685,000
Impostos sobre folha de pagamento	700,000

Manutenção de infraestrutura de tecnologia

Os custos de infraestrutura de tecnologia da United Bancorp, Inc. em 2022 foram estruturados da seguinte forma:

• Manutenção de hardware de TI: US $ 1.245.000
• Licenciamento de software: US $ 875.000
• Sistemas de segurança cibernética: US $ 623.000
• Infraestrutura de rede: US $ 456.000

Despesas de operação de ramificação

Custos operacionais relacionados à filial para o ano fiscal de 2022:

Tipo de despesa	Valor ($)
Aluguel e instalações	2,345,000
Utilitários	456,000
Manutenção	378,000
Segurança da filial	245,000

Custos de conformidade regulatória

Despesas relacionadas à conformidade para 2022:

• Equipe legal e de conformidade: US $ 1.875.000
• Sistemas de relatórios regulatórios: US $ 623.000
• Taxas de auditoria externa: $ 456.000
• Treinamento de conformidade: US $ 245.000

Despesas de marketing e aquisição de clientes

Redução de despesas de marketing para 2022:

Canal de marketing	Valor ($)
Marketing digital	875,000
Publicidade tradicional	456,000
Patrocínio da comunidade	245,000
Programas de aquisição de clientes	378,000

United Bancorp, Inc. (UBCP) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

A partir do quarto trimestre de 2023, a United Bancorp, Inc. relatou receita total de juros de US $ 34,6 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Valor total ($)	Percentagem
Empréstimos comerciais	18,240,000	52.7%
Empréstimos hipotecários residenciais	12,560,000	36.3%
Empréstimos ao consumidor	3,800,000	11%

Cobranças e taxas de serviço

As cobranças e taxas de serviço de 2023 totalizaram US $ 5,2 milhões, com a seguinte quebra:

• Taxas de manutenção de conta: US $ 1.740.000
• Taxas de cheque especial: US $ 1.560.000
• Taxas de transação ATM: US $ 890.000
• Taxas de transferência de fio: $ 510.000
• Outras cobranças de serviço: US $ 500.000

Receita de empréstimos hipotecários

As receitas de empréstimos hipotecários para 2023 foram de US $ 7,3 milhões, com a seguinte composição:

Tipo de hipoteca	Receita ($)
Origem da hipoteca residencial	4,620,000
Refinanciamento de hipotecas	2,160,000
Taxas de manutenção de hipotecas	520,000

Serviços de investimento e gerenciamento de patrimônio

A receita de serviços de investimento para 2023 totalizou US $ 3,9 milhões:

• Serviços de consultoria: US $ 1.850.000
• Taxas de gerenciamento de portfólio: US $ 1.250.000
• Serviços de planejamento de aposentadoria: US $ 800.000

Taxas de transação bancária digital

As taxas de transação bancária digital para 2023 atingiram US $ 1,6 milhão:

Serviço digital	Taxas de transação ($)
Transações bancárias online	890,000
Transações bancárias móveis	510,000
Processamento de pagamento digital	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.