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

UBCP · Dec 31, 2022

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

Filing0001410578-23-000281Bank
Sequential deposit growth25thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-0.03% · CORE · VALID

Net-income growth5thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-8.40% · CORE · VALID

Interest-expense growth55thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

26.08% · CORE · VALID

Interest-income growth55thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

11.95% · CORE · VALID

Cash and equivalents60thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$30.1M · CORE · VALID

Sequential loan growth5thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

-1.49% · 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
7.05%
Current
-0.03%
Delta
-7.07%
Earnings Growth Increased
Previous
-20.64%
Current
-8.40%
Delta
12.24%
Funding Cost Growth Decreased
Previous
47.54%
Current
26.08%
Delta
-21.46%
Interest Income Growth Decreased
Previous
17.05%
Current
11.95%
Delta
-5.10%
Liquidity Decreased
Previous
$35.3M
Current
$30.1M
Delta
-$5.2M
Loan Growth Decreased
Previous
0.22%
Current
-1.49%
Delta
-1.70%
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

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.