United Bancorp, Inc. (UBCP) reported a year-over-year net income increase of 10% to $2 million for the fourth quarter ended December 31, 2025. The company also achieved earnings per share of 35 cents, a rise of 12.9% from 31 cents in the same quarter of 2024. Full-year net income reached $7.8 million, growing 4.7% compared to the previous year, while earnings per share for 2025 stood at $1.34.
In the fourth quarter, total interest income increased 5.2% year-over-year to $10.6 million, driven by an 8.3% rise in interest income on loans. Despite a 49.4% jump in credit loss provisions, United Bancorp reported a strong net interest margin of 3.70%, up from 3.51% in 2024. The bank’s total assets increased by $40.8 million to $857.4 million as of December 31, 2025, reflecting a 5% growth.
United Bancorp’s stock has gained 2.6% following the earnings report, contrasting with a 1.1% decline in the S&P 500 over the same period. The company also plans a strategic expansion, aiming for total assets to exceed $1 billion and focusing on growth in the small business commercial loan sector, which represents 81% of total loans.
