What is United Bancorp's bank owned life insurance income?

United Bancorp (UBCP) reported bank owned life insurance income of $425K in Q1 2026.

How has United Bancorp's bank owned life insurance income changed year-over-year?

United Bancorp's bank owned life insurance income increased by 120.2% year-over-year, from $193K to $425K.

What does bank owned life insurance income mean?

Income derived from the cash surrender value growth or death benefits of life insurance policies held by the bank on its employees or executives. It represents a tax-advantaged non-interest income stream used to offset benefit costs.

United Bancorp UBCP Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

NEC

Northeast Community BancorpNECB

$179K+7.2%

Home Federal BancorpHFBL

$28K-3.4%

Southside BancsharesSBSI

$986K+23.4%

Auburn National BancorporationAUBN

$108K+2.9%

SR Bancorp, Inc.SRBK

$263K+1.5%

Norwood FinancialNWFL

$314K+9.8%

Other financials

Income statement

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Revenue$721.0K—

Net income$1.9M+2.1%

EPS (diluted)$0.33+3.1%

Balance sheet

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Cash & equivalents$27.2M-25.2%

Total debt$3.0M+2.2%

Total equity$67.5M+11.0%

Total assets$858.5M+3.3%

Cash flow

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Operating cash flow$266.0K-75.0%

CapEx$2.0M+23.3%

Free cash flow-$1.8M-199%

Valuation

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Market cap$91.8M+21.2%

Enterprise value$67.52M+126%

P/E11.8×+1.6×

P/S33.2×—

Profitability

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Net margin33.1%—

FCF margin31.5%—

Returns & leverage

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Return on equity12.1%+0.4pp

Debt / equity0×0.0×

Where this comes from

Reported directly by United Bancorp in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsuranceIncome.

The official record: United Bancorp’s 10-Q, filed May 14, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Bancorp's bank owned life insurance income?: United Bancorp (UBCP) reported bank owned life insurance income of $425K in Q1 2026.
How has United Bancorp's bank owned life insurance income changed year-over-year?: United Bancorp's bank owned life insurance income increased by 120.2% year-over-year, from $193K to $425K.
What does bank owned life insurance income mean?: Income derived from the cash surrender value growth or death benefits of life insurance policies held by the bank on its employees or executives. It represents a tax-advantaged non-interest income stream used to offset benefit costs.