Item 2.02 Results of Operations and Financial Condition.

On January 24, 2020, United Bancshares, Inc. issued an earnings release announcing its financial results for the quarter and year ended December 31, 2019.

On January 24, 2020, United Bancshares, Inc. issued a quarterly report to shareholders, clients and team members announcing its financial results for the quarter and year ended December 31, 2019, which report included unaudited condensed financial statements.

A copy of the earnings release (Exhibit 99.1) and quarterly report (Exhibit 99.2) are attached.

The information in this Item 2.02, including Exhibit 99.1 and Exhibit 99.2 furnished herewith, is being furnished and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934 (the "Exchange Act") or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act of 1933 (the "Securities Act") or the Exchange Act, except as otherwise stated in such filing.

Item 7.01 Regulation FD Disclosure.

On January 24, 2020, United Bancshares, Inc. issued an earnings release announcing its financial results for the quarter and year ended December 31, 2019.

On January 24, 2020, United Bancshares, Inc. issued a quarterly report to shareholders, clients and team members announcing its financial results for the quarter and year ended December 31, 2019, which report included unaudited condensed financial statements.

A copy of the release (Exhibit 99.1) and quarterly report (Exhibit 99.2) are attached.

The information in this Item 7.01, including Exhibit 99.1 and Exhibit 99.2 furnished herewith, is being furnished and shall not be deemed to be "filed" for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that Section, nor shall such information be deemed to be incorporated by reference in any registration statement or other document filed under the Securities Act or the Exchange Act, except as otherwise stated in such filing.

Item 9.01 Financial Statements and Exhibits.





(d) Exhibits



Exhibit No. Description



99.1          Release dated January 24, 2020
99.2          Quarterly Report dated January 24, 2020

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