United Bancorp (UBCP) Change in Net Loans (2012 - 2025)
United Bancorp (UBCP) posted quarterly Change in Net Loans of -$4.9 million for Q4 2025, down 129.76% year-over-year from $16.6 million in Q4 2024, and down 15.25% quarter-over-quarter from -$4.3 million in Q3 2025.
United Bancorp (UBCP) Change in Net Loans (2012 - 2025) Analysis & Trends
United Bancorp (UBCP) has reported Change in Net Loans for 14 consecutive years, with -$4.9 million the latest figure, recorded in Q4 2025.
- In Q4 2025, Change in Net Loans fell 129.76% year-over-year to -$4.9 million; the TTM figure through Dec 2025 stood at $491000.0 (down 93.98% YoY), while the FY2025 annual figure was $491000.0, down 93.98% from the prior year.
- Change in Net Loans fell to -$4.9 million in Q4 2025 per UBCP's latest filing, from -$4.3 million in the prior quarter.
- Across five years, Change in Net Loans topped out at $16.9 million in Q4 2023 and bottomed at -$9.6 million in Q3 2024.
- Historically, Change in Net Loans has averaged $2.6 million across 5 years, with a median of $3.7 million in 2021.
- Annual changes were most pronounced in 2021 — Change in Net Loans tumbled 1376.94% — and 2024, when it jumped 613.75%.
- United Bancorp's Change in Net Loans stood at -$7.8 million in 2021, then jumped by 53.19% to -$3.6 million in 2022, then soared by 566.95% to $16.9 million in 2023, then dropped by 1.97% to $16.6 million in 2024, then tumbled by 129.76% to -$4.9 million in 2025.
- Business Quant data shows UBCP's Change in Net Loans at -$4.9 million in Q4 2025, -$4.3 million in Q3 2025, and $3.9 million in Q2 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Net Loans (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 6.72 Bn |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 288.00 Mn |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | - |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | - |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 1.13 Bn |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | - |
| 10 | United Bancorp | 88.10 Mn | 42.11 Mn | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -4.94 Mn |
| Sep 30, 2025 | -4.29 Mn |
| Jun 30, 2025 | 3.89 Mn |
| Mar 31, 2025 | 5.84 Mn |
| Dec 31, 2024 | 16.61 Mn |
| Sep 30, 2024 | -9.60 Mn |
| Jun 30, 2024 | 4.11 Mn |
| Mar 31, 2024 | -2.96 Mn |
| Dec 31, 2023 | 16.94 Mn |
| Sep 30, 2023 | 4.00 Mn |
| Jun 30, 2023 | -800,000.00 |
| Mar 31, 2023 | 2.33 Mn |
| Dec 31, 2022 | -3.63 Mn |
| Sep 30, 2022 | 1.03 Mn |
| Jun 30, 2022 | 5.10 Mn |
| Mar 31, 2022 | 7.91 Mn |
| Dec 31, 2021 | -7.75 Mn |
| Sep 30, 2021 | 3.42 Mn |
| Jun 30, 2021 | 8.57 Mn |
| Mar 31, 2021 | 6.63 Mn |