Business Description
United Bancorp, Inc. is a bank holding company headquartered in Martins Ferry,
Ohio. The Company has one wholly-owned subsidiary bank, The Citizens Savings
Bank, Martins Ferry, Ohio (Citizens, or the Bank). The Bank operates two divisions
for marketing purposes, The Community Bank, a division of The Citizens Savings
Bank and The Citizens Bank, a division of The Citizens Savings Bank.
Citizens serves customers in northeastern, eastern, southeastern and south central
Ohio and is engaged in the business of commercial and retail banking in Belmont,
Harrison, Jefferson, Tuscarawas, Carroll, Athens, Hocking, and Fairfield counties
and the surrounding localities. The Bank provides a broad range of banking and
financial services, which includes accepting demand, savings and time deposits
and granting commercial, real estate and consumer loans. Citizens conducts its
business through its main office and stand alone operations center in Martins
Ferry, Ohio and eighteen branches located in the counties mentioned above. Citizens
offers full brokerage service through LPL Financial® member NASD/SIPC.
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