联合货币中心银行 2025年度报告

COLUMBUS GROVE, Ohio, January 22, 2026 (GLOBE NEWSWIRE) – United Bancshares,Inc. (OTCQX: UBOH) (“United Bancshares” or the “Company”), the holding companyfor The Union Bank Company, today reported financial results for the quarter endedDecember 31, 2025, and announced that its Board of Directors has declared a quarterly Fourth Quarter 2025 Highlights •Quarterly cash dividend of $0.24 per share for shareholders of record on February 27, 2026, payable onMarch 16, 2026. Based on the average closing price for the fourth quarter, this is a 2.65% dividend yield. •Net income of $3.1 million or $1.04 per share for the 2025 fourth quarter. This is a $0.02 per shareincrease from $3.0 million or $1.02 per share in the comparable period in 2024. YTD 2025 net income of$12.0 million or $4.04 per share, is a $0.98 per share increase from $9.2 million net income, or $3.06 per •Return on average assets of 1.02% for the 2025 fourth quarter, an increase from 0.98% in the comparableperiod in 2024. YTD 2025 return on average assets of 1.00%, an increase from 0.80% YTD 2024. •Return on average tangible equity of 14.64% for the 2025 fourth quarter, down from 17.27% in thecomparable period in 2024. YTD 2025 return on average tangible equity of 15.85%, up from 14.06% YTD •Net interest margin of 4.03% for the 2025 fourth quarter, an increase from 3.39% in the comparableperiod in 2024. YTD 2025 net interest margin of 3.78%, up from 3.17% YTD 2024. •Loan growth of $58.1 million, up 7.58% from December 31, 2024. •Deposits decrease $15.4 million, down 1.43% from December 31, 2024.When excluding the vola�lity ofthe Ohio Treasurers Homebuyers Plus Program, deposits increased $2.4 million, up 0.24% from •Asset quality metrics remain strong with stable non-performing and classified loans. Charge-offs remain ### Non-GAAP Financial MeasuresThis release contains certain non-GAAP financial measures, including return on average tangible equity. Tangible equity is defined as total shareholders’ equity less goodwill and other intangible assets. Management believesthese measures provide meaningful supplemental information to assess performance and capital adequacy and Cautionary Note Regarding Forward-Looking StatementsThis press release may contain forward-looking statements, including statements regarding future financial and operating results, loan and deposit growth, net interest margin, asset quality, capital, dividends, and strategy. uncertainties that could cause actual results to differ materially from those expressed or implied. Factors thatcould cause actual results to differ materially include, among others, changes in interest rates, inflation,competitive pressures, credit quality and economic conditions in our markets, liquidity and funding conditions, About United Bancshares, Inc.United Bancshares, Inc. (OTCQX: UBOH) is a financial holding company headquartered in Columbus Grove, Ohio, and the parent company of The Union Bank Company. United Bancshares’ common stock trades on the OTCQX About The Union Bank Company:Since 1904, The Union Bank Company has been here to provide full-service banking to the people and businesses throughout the communities we serve. Today, the bank has 14 full-service branch locations across Northwestand Central Ohio, including Bowling Green, Columbus Grove, Delphos, Findlay, Gibsonburg, Kalida, Leipsic, LewisCenter, Lima, Marion, Ottawa, Paulding and Pemberville. We have Interactive Teller Machines (ITMs) located atall of our branch locations with additional ITM only locations in Lima, Marion, Paulding and Westerville. TheUnion Bank Company is headquartered in Columbus Grove, Ohio, and remains committed to providing the best Contact:Brian D. Young, President and CEOKlint D. Manz, Chief Financial Officer