UNITED BCORP INC is the bank holding company. UNIFIED BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

UNITED BCORP INC

Legal name: UNITED BANCORP, INC.

1 active bank · 2 merged/absorbed · $853M combined assets

RSSD ID: 1071502 (FFIEC NIC)

Combined Assets

$853M

CRA Rating Summary

Satisfactory1charter

Across all 20 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankUNIFIED BANKMARTINS FERRY, OHSatisfactory$853MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$853M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$681M

Net Income

$3M

ROA (avg)

1.31%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

219

Origination Rate

76.71%

Denial Rate

11.42%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
UNIFIED BANK	MARTINS FERRY, OH	FDIC	$853M	100.0%	Satisfactory	Dec 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.