United Bancorp, Inc. is a bank holding company operating through Unified Bank, which provides a broad range of commercial and retail banking services including deposits, commercial and real estate lending, and consumer lending across northeastern Ohio and northern West Virginia. The bank operates a main office and eighteen branches serving communities in Belmont, Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties in Ohio, along with Ohio and Marshall counties in West Virginia. Unified generates revenue through net interest income earned on loans and investments, less interest paid on deposits and borrowings, and competes against retail commercial banks, savings and loan associations, credit unions, and other financial institutions across its regional market.