United Bancorp Inc
United Bancorp, Inc. operates as the bank holding company for Unified Bank that provides commercial and retail banking services in Ohio. The company offers a range of banking and financial services, including accepting demand, savings, and time deposits, as well as granting commercial, real estate, and consumer loans. United Bancorp, Inc. was founded in 1902 and is headquartered in Martins Ferry,… Read more
United Bancorp Inc - Asset Resilience Ratio
United Bancorp Inc (UBCP) has an Asset Resilience Ratio of 15.22% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2024)
This chart shows how United Bancorp Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down United Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $131.93 Million | 15.22% |
| Total Liquid Assets | $131.93 Million | 15.22% |
Asset Resilience Insights
- Good Liquidity Position: United Bancorp Inc maintains a healthy 15.22% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
United Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare United Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for United Bancorp Inc (2001–2024)
The table below shows the annual Asset Resilience Ratio data for United Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 14.60% | $119.23 Million | $816.66 Million | -6.14pp |
| 2023-12-31 | 20.74% | $169.96 Million | $819.45 Million | -7.99pp |
| 2022-12-31 | 28.73% | $217.62 Million | $757.40 Million | +8.54pp |
| 2021-12-31 | 20.20% | $146.31 Million | $724.46 Million | -2.60pp |
| 2020-12-31 | 22.80% | $158.07 Million | $693.40 Million | -4.74pp |
| 2019-12-31 | 27.53% | $188.78 Million | $685.71 Million | +6.63pp |
| 2018-12-31 | 20.90% | $123.99 Million | $593.21 Million | +11.11pp |
| 2017-12-31 | 9.79% | $44.96 Million | $459.33 Million | +0.71pp |
| 2016-12-31 | 9.08% | $39.77 Million | $438.02 Million | +0.53pp |
| 2015-12-31 | 8.55% | $34.62 Million | $405.12 Million | +3.73pp |
| 2014-12-31 | 4.82% | $19.35 Million | $401.81 Million | -2.01pp |
| 2013-12-31 | 6.83% | $26.56 Million | $389.04 Million | -1.12pp |
| 2012-12-31 | 7.95% | $34.85 Million | $438.35 Million | -11.78pp |
| 2011-12-31 | 19.73% | $82.00 Million | $415.57 Million | +19.13pp |
| 2010-12-31 | 0.61% | $2.56 Million | $423.44 Million | -3.34pp |
| 2009-12-31 | 3.94% | $17.57 Million | $445.97 Million | -1.91pp |
| 2008-12-31 | 5.85% | $25.86 Million | $441.80 Million | +4.16pp |
| 2007-12-31 | 1.69% | $7.65 Million | $451.37 Million | -0.14pp |
| 2006-12-31 | 1.83% | $7.74 Million | $421.65 Million | +0.90pp |
| 2005-12-31 | 0.94% | $3.87 Million | $411.93 Million | +0.38pp |
| 2002-12-31 | 0.56% | $2.04 Million | $361.71 Million | -3.53pp |
| 2001-12-31 | 4.09% | $13.96 Million | $341.32 Million | -- |