• United Bancorp posted first-quarter net income of $1.91 million, up 2.1%, with diluted EPS rising to $0.33.
• Net interest income climbed 4.2% to $6.51 million as net interest margin widened 12 basis points to 3.72%.
• Total deposits increased 6.8% to $666.7 million while total interest expense fell 2.6% to $3.5 million, due to core-deposit repricing and a $20 million FHLB advance maturing.
• Nonaccrual loans and loans past due 30+ days totaled $6.8 million, or 1.36% of gross loans, with management citing a single commercial relationship of about $4.2 million moving to nonaccrual.
• Management said Wheeling, West Virginia banking center opened in December has already exceeded first-year loan-growth forecasts; technology investments include an AI customer-inquiry tool, omnichannel account opening, and a new Unified Center and Customer Care Center targeted for full implementation by year-end.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. United Bancorp Inc. published the original content used to generate this news brief on May 07, 2026, and is solely responsible for the information contained therein.