United Bancorp Inc - Asset Resilience Ratio
United Bancorp Inc (UBCP) has an Asset Resilience Ratio of 27.53% 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. Check asset allocation strategy of United Bancorp Inc to assess the company's strategic physical and investment asset allocation.
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. See United Bancorp Inc balance sheet quality to measure how much of total assets are equity-financed.
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. For market capitalisation and broader financial context, see market value of United Bancorp Inc.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $236.32 Million | 27.53% |
| Total Liquid Assets | $236.32 Million | 27.53% |
Asset Resilience Insights
- Very High Liquidity: United Bancorp Inc maintains exceptional liquid asset reserves at 27.53% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- 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 |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
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.