United Bancorp, Inc.

United Bancorp, Inc. is a bank holding company based in Martins Ferry, Ohio, incorporated on July 8, 1983. As of December 31, 2025, the company operates through its single wholly-owned subsidiary, Unified Bank, also located in Martins Ferry, Ohio. Unified Bank provides commercial and retail banking services to customers across northeastern, eastern, southeastern, and south-central Ohio, specifically in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties, and surrounding areas. The bank also serves customers in Ohio and Marshall counties in the Northern panhandle of West Virginia. Unified Bank offers a variety of banking and financial services, including accepting demand, savings, and time deposits, and providing commercial, real estate, and consumer loans. The bank conducts its operations from its main office and a separate operations center in Martins Ferry, Ohio, along with eighteen branches situated in the counties mentioned. Unified Bank does not have any single customer or group of related customers whose banking activities significantly impact its earnings. The company faces substantial competition for loans and deposits from other retail commercial banks, savings and loan associations, finance companies, credit unions, and other financial institutions in the Mid-Ohio Valley, including Belmont, Harrison, and Jefferson counties, extending into the Northern panhandle of West Virginia, and in the Tuscarawas, Carroll, Athens, and Fairfield County areas of Ohio.