United Bancorp Inc - Asset Resilience Ratio
United Bancorp Inc (UBCP) has an Asset Resilience Ratio of 13.74% as of March 2026. 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. See working capital position of United Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2025)
This chart shows how United Bancorp Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see balance sheet size of United Bancorp Inc.
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. Explore UBCP long-term investment intensity to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $117.92 Million | 13.74% |
| Total Liquid Assets | $117.92 Million | 13.74% |
Asset Resilience Insights
- Moderate Liquidity: United Bancorp Inc has 13.74% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- 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 |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for United Bancorp Inc (2001–2025)
The table below shows the annual Asset Resilience Ratio data for United Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 13.39% | $114.80 Million | $857.45 Million | -1.21pp |
| 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 | -- |
About 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 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, Ohio.