GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

UBCP · Sep 30, 2025

UNITED BANCORP INC /OH/. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001104659-25-110121Bank
Sequential deposit growth55thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

0.35% · CORE · VALID

Net-income growth70thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

6.10% · CORE · VALID

Cash and equivalents45thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$45.7M · CORE · VALID

Sequential loan growth15thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

-0.88% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History59 statesSelf-history eligible
Sep 30, 20216/6 normalizedLevel 3Dec 31, 20213/3 normalizedLevel 3Mar 31, 20226/6 normalizedLevel 3Jun 30, 20226/6 normalizedLevel 3Sep 30, 20226/6 normalizedLevel 3Dec 31, 20226/6 normalizedLevel 3Mar 31, 20236/6 normalizedLevel 3Jun 30, 20236/6 normalizedLevel 3Sep 30, 20236/6 normalizedLevel 3Dec 31, 20236/6 normalizedLevel 3Mar 31, 20246/6 normalizedLevel 3Jun 30, 20245/5 normalizedLevel 3Sep 30, 20245/5 normalizedLevel 3Dec 31, 20245/5 normalizedLevel 3Mar 31, 20255/5 normalizedLevel 3Jun 30, 20255/5 normalizedLevel 3Sep 30, 20254/4 normalizedLevel 3Dec 31, 20255/5 normalizedLevel 3Mar 31, 20265/5 normalizedLevel 3Jun 30, 20265/5 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
3.02%
Current
0.35%
Delta
-2.67%
Earnings Growth Decreased
Previous
10.06%
Current
6.10%
Delta
-3.96%
Liquidity Decreased
Previous
$49.7M
Current
$45.7M
Delta
-$4.0M
Loan Growth Decreased
Previous
0.78%
Current
-0.88%
Delta
-1.65%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Transitioned To · UBCP Fundamental State →Transitioned To · UBCP Fundamental State →Transitioned To · UBCP DEPOSIT_GROWTH_DECREASED →Transitioned To · UBCP EARNINGS_GROWTH_DECREASED →Transitioned To · UBCP LIQUIDITY_DECREASED →Transitioned To · UBCP LOAN_GROWTH_DECREASED →

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.