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

UBCP · Jun 30, 2026

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

STATE CAPABILITYLEVEL 4[email protected]
Inspectable configuration

State dimensions

Filing0001104659-26-094756Bank
Sequential deposit growth90thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

3.04% · CORE · VALID

Net-income growth80thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

9.46% · CORE · VALID

Interest-income growth30thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

1.17% · CORE · VALID

Cash and equivalents50thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$46.0M · CORE · VALID

Sequential loan growth20thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

-0.95% · 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
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
3.94%
Current
3.04%
Delta
-0.90%
Earnings Growth Increased
Previous
2.08%
Current
9.46%
Delta
7.37%
Interest Income Growth Decreased
Previous
1.75%
Current
1.17%
Delta
-0.58%
Liquidity Increased
Previous
$27.2M
Current
$46.0M
Delta
$18.7M
Loan Growth Decreased
Previous
1.80%
Current
-0.95%
Delta
-2.75%
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.

Jun 30, 2025
Similarity
86%
Compared
5 dimensions
Coverage
100%
Liquidity 5.0 · Loan Growth 25.0 · Deposit Growth 5.0 · Earnings Growth 5.0 · Interest Income Growth 15.0
Mar 31, 2015
Similarity
83%
Compared
5 dimensions
Coverage
100%
Liquidity 3.3 · Loan Growth 12.9 · Deposit Growth 11.4 · Earnings Growth 1.8 · Interest Income Growth 33.6
Mar 31, 2014
Similarity
77%
Compared
3 dimensions
Coverage
60%
Liquidity 4.5 · Loan Growth 40.0 · Deposit Growth 0.0
Mar 31, 2024
Similarity
76%
Compared
5 dimensions
Coverage
100%
Liquidity 5.0 · Loan Growth 5.0 · Deposit Growth 35.0 · Earnings Growth 35.0 · Interest Income Growth 20.0
Dec 31, 2025
Similarity
72%
Compared
5 dimensions
Coverage
100%
Liquidity 5.0 · Loan Growth 5.0 · Deposit Growth 55.0 · Earnings Growth 25.0 · Interest Income Growth 15.0
Research Graph

Related governed research

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.