United Bancorp | 8-K: FY2025 Q3 Revenue: USD 11.98 M

Revenue: As of FY2025 Q3, the actual value is USD 11.98 M.

EPS: As of FY2025 Q3, the actual value is USD 0.34.

EBIT: As of FY2025 Q3, the actual value is USD -4.819 M.

Interest Income on Loans: $7,599,055 for Q3 2025, up 7.56% from $7,064,731 in Q3 2024. For the first nine months of 2025, $22,109,536, up 8.05% from $20,462,806 in the same period of 2024.
Loan Fees: $160,873 for Q3 2025, down -4.44% from $168,355 in Q3 2024. For the first nine months of 2025, $658,156, up 27.21% from $517,371 in the same period of 2024.
Interest Income on Securities: $2,875,206 for Q3 2025, up 6.07% from $2,710,711 in Q3 2024. For the first nine months of 2025, $8,120,975, down -4.04% from $8,462,643 in the same period of 2024.
Total Interest Income: $10,635,134 for Q3 2025, up 6.95% from $9,943,797 in Q3 2024. For the first nine months of 2025, $30,888,667, up 4.91% from $29,442,820 in the same period of 2024.

Net Interest Income: $6,729,460 for Q3 2025, up 9.62% from $6,138,894 in Q3 2024. For the first nine months of 2025, $19,571,524, up 6.05% from $18,455,402 in the same period of 2024.
Provision for Credit Losses: $186,000 for Q3 2025, up 166.99% from $69,665 in Q3 2024. For the first nine months of 2025, $488,000, up 180.19% from $174,165 in the same period of 2024.
Net Interest Income After Provision for Credit Losses: $6,543,460 for Q3 2025, up 7.81% from $6,069,229 in Q3 2024. For the first nine months of 2025, $19,083,524, up 4.39% from $18,281,237 in the same period of 2024.
Total Noninterest Income: $1,347,785 for Q3 2025, up 10.91% from $1,215,215 in Q3 2024. For the first nine months of 2025, $4,018,658, up 23.06% from $3,265,630 in the same period of 2024.
Total Noninterest Expense: $5,980,591 for Q3 2025, up 8.16% from $5,529,138 in Q3 2024. For the first nine months of 2025, $17,408,848, up 8.57% from $16,035,175 in the same period of 2024.
Net Income: $1,931,041 for Q3 2025, up 6.12% from $1,819,659 in Q3 2024. For the first nine months of 2025, $5,717,427, up 2.97% from $5,552,537 in the same period of 2024.

Cash Dividends Paid: $0.1875 per share for Q3 2025, up 5.63% from $0.1775 per share in Q3 2024. For the first nine months of 2025, $0.73 per share, up 8.15% from $0.675 per share in the same period of 2024.

Total Assets: $866,755,858 as of September 30, 2025, up 5.00% from $825,482,119 as of September 30, 2024.
Total Deposits: $645,193,065 as of September 30, 2025, up 4.77% from $615,818,830 as of September 30, 2024.
Gross Loans: $496,536,989 as of September 30, 2025, up 4.53% from $475,004,333 as of September 30, 2024.
Allowance for Credit Losses: $4,302,545 as of September 30, 2025, up 7.51% from $4,002,140 as of September 30, 2024.
Net Loans: $492,234,444 as of September 30, 2025, up 4.51% from $471,002,193 as of September 30, 2024.
Nonaccrual Loans: $2,437,164 as of September 30, 2025, up 541.38% from $379,988 as of September 30, 2024.
Loans Past Due 30+ Days: $708,906 as of September 30, 2025, up 13.45% from $624,883 as of September 30, 2024.
Total Shareholders’ Equity: $66,470,103 as of September 30, 2025, up 1.54% from $65,459,697 as of September 30, 2024.

United Bancorp, Inc. anticipates continued growth in net interest income and net interest margin for the remainder of the year.
The company expects to see a decline in total interest expense levels, contributing to net interest income expansion and margin accretion.
United Bancorp, Inc. remains optimistic about future growth and earnings potential despite current economic uncertainties.