MyFinsight

HomeBlogAbout

MyFinsight

Making company financials insightful for everyone

  • About
  • Blog
  • Privacy Policy
  • Contact

Follow Us

  • X.com
  • Thread
  • Instagram

© 2026 MyFinsight. All rights reserved.

UNITED BANKSHARES INC WV (UBSI)

UNITED BANKSHARES INC WV (UBSI)

|||

Balance Sheets Overview

Debt to Asset Ratio
83.67%
Unit: Thousand (K) dollars
Assets Breakdown
    • Loans and leases
    • Goodwill
    • Interest-bearing deposits with o...
    • Others
Liabilities Breakdown
    • Interest-bearing
    • Noninterest-bearing
    • Surplus
    • Others
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
277,719
269,037
247,613
267,506
Interest-bearing deposits with other banks
1,802,184
2,034,614
2,293,279
2,249,868
Federal funds sold
1,400
1,383
1,358
1,345
Total cash and cash equivalents
2,081,303
2,305,034
2,542,250
2,518,719
Securities available for sale at estimated fair value (amortized cost-3,531,722 at june30, 2026 and 3,264,860 at december31, 2025, allowance for credit losses of 0 at june30, 2026 and december31, 2025)
3,319,750
3,212,072
3,059,452
3,023,976
Securities held to maturity, net of allowance for credit losses of 14 at june30, 2026 and 16 at december31, 2025 (estimated fair value-1,020 at june30, 2026 and december31, 2025)
1,006
1,004
1,004
1,003
Equity securities at estimated fair value
30,107
12,248
34,760
34,694
Other investment securities
308,168
305,244
305,184
299,851
Loans held for sale measured using fair value option
35,224
29,235
31,277
24,226
Loans and leases
25,006,238
24,874,739
24,720,620
24,531,155
Less unearned income
11,714
11,601
11,498
11,449
Loans and leases, net of unearned income
24,994,524
24,863,138
24,709,122
24,519,706
Less allowance for loan and lease losses
299,504
299,599
297,518
300,050
Net loans and leases
24,695,020
24,563,539
24,411,604
24,219,656
Bank premises and equipment, gross
-
-
473,326
-
Less allowance for depreciation and amortization
-
-
264,495
-
Bank premises and equipment
211,289
209,138
208,831
207,671
Operating lease right-of-use assets
92,772
87,841
89,312
89,967
Goodwill
2,018,848
2,018,848
2,018,848
2,018,864
Bank-owned life insurance ('boli')
558,032
551,306
547,127
544,979
Accrued interest receivable
99,659
109,470
109,232
112,077
Other assets
300,654
300,401
301,400
311,498
Total assets
33,751,832
33,705,380
33,660,281
33,407,181
Noninterest-bearing
6,731,733
6,409,918
6,573,630
6,587,911
Interest-bearing
20,439,014
20,710,965
20,487,309
20,295,609
Total deposits
27,170,747
27,120,883
27,060,939
26,883,520
Securities sold under agreements to repurchase
166,996
166,175
198,573
169,013
Federal home loan bank ('fhlb') borrowings
250,000
250,000
250,000
250,000
Other long-term borrowings
282,615
282,216
281,817
281,418
Reserve for lending-related commitments
37,222
37,047
35,075
32,639
Operating lease liabilities
99,757
93,921
95,392
95,901
Accrued expenses and other liabilities
233,958
267,012
242,502
248,975
Total liabilities
28,241,295
28,217,254
28,164,298
27,961,466
Preferred stock, 1.00 par value authorized-50,000,000 shares, none issued
0
0
0
0
Common stock, 2.50 par value authorized-200,000,000 shares issued-151,183,683 and 150,856,999 at june30, 2026 and december31, 2025, respectively, including 14,241,534 and 10,976,752 shares in treasury at june30, 2026 and december31, 2025, respectively
377,959
377,921
377,142
377,081
Surplus
3,474,889
3,470,304
3,468,869
3,464,927
Retained earnings
2,320,125
2,241,354
2,170,327
2,094,957
Accumulated other comprehensive loss
-143,367
-149,115
-138,927
-157,815
Treasury stock, at cost
519,069
452,338
381,428
333,435
Total shareholders' equity
5,510,537
5,488,126
5,495,983
5,445,715
Total liabilities and shareholders' equity
33,751,832
33,705,380
33,660,281
33,407,181
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Balance Sheets

Loans and leases$25,006,238K (3.93%↑ Y/Y)Loans and leases, netof unearned income$24,994,524K (3.93%↑ Y/Y)Interest-bearing deposits withother banks$1,802,184K (-9.28%↓ Y/Y)Cash and due frombanks$277,719K (-15.04%↓ Y/Y)Federal funds sold$1,400K (7.03%↑ Y/Y)Less unearned income$11,714K (10.05%↑ Y/Y)Net loans and leases$24,695,020K (4.01%↑ Y/Y)Securities available forsale at estimated...$3,319,750K (7.99%↑ Y/Y)Total cash and cashequivalents$2,081,303K (-10.08%↓ Y/Y)Goodwill$2,018,848K (-0.00%↓ Y/Y)Bank-owned life insurance('boli')$558,032K (3.11%↑ Y/Y)Other investmentsecurities$308,168K (2.87%↑ Y/Y)Other assets$300,654K (-7.55%↓ Y/Y)Bank premises andequipment$211,289K (1.19%↑ Y/Y)Accrued interestreceivable$99,659K (-7.28%↓ Y/Y)Operating leaseright-of-use assets$92,772K (1.87%↑ Y/Y)Loans held for salemeasured using fair value...$35,224K (-4.94%↓ Y/Y)Equity securities atestimated fair value$30,107K (36.87%↑ Y/Y)Securities held tomaturity, net of allowance...$1,006K (0.40%↑ Y/Y)Less allowance forloan and lease losses$299,504K (-2.75%↓ Y/Y)Total assets$33,751,832K (2.95%↑ Y/Y)Total liabilities andshareholders' equity$33,751,832K (2.95%↑ Y/Y)Total liabilities$28,241,295K (3.00%↑ Y/Y)Total shareholders'equity$5,510,537K (2.72%↑ Y/Y)Treasury stock, at cost$519,069K (69.22%↑ Y/Y)Accumulated othercomprehensive loss-$143,367K (21.97%↑ Y/Y)Total deposits$27,170,747K (3.17%↑ Y/Y)Other long-termborrowings$282,615K (-6.11%↓ Y/Y)Federal home loan bank('fhlb') borrowings$250,000K (0.00%↑ Y/Y)Accrued expenses andother liabilities$233,958K (-1.87%↓ Y/Y)Securities sold underagreements to repurchase$166,996K (3.85%↑ Y/Y)Operating leaseliabilities$99,757K (2.95%↑ Y/Y)Reserve forlending-related commitments$37,222K (3.92%↑ Y/Y)Surplus$3,474,889K (0.39%↑ Y/Y)Retained earnings$2,320,125K (15.05%↑ Y/Y)Common stock, 2.50 parvalue...$377,959K (0.23%↑ Y/Y)Interest-bearing$20,439,014K (3.71%↑ Y/Y)Noninterest-bearing$6,731,733K (1.58%↑ Y/Y)