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. Read debt load of United Bancorp Inc for a breakdown of total debt and financial obligations.
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. See United Bancorp Inc book value and equity for net asset value and shareholders' equity analysis.
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 | $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 |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
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 | -- |
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 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