| Income Statement | 2025-09-30 | 2025-06-30 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|
| Interest and fees on loans | 378,193 | - | 331,531 | 326,253 |
| Interest on federal funds sold and other short-term investments | 24,053 | - | 19,241 | 12,787 |
| Taxable | 27,509 | - | 30,797 | 33,968 |
| Tax-exempt | 1,202 | - | 1,154 | 1,176 |
| Total interest income | 430,957 | - | 382,723 | 374,184 |
| Interest on deposits | 143,445 | - | 143,313 | 132,425 |
| Interest on short-term borrowings | 1,420 | - | 2,048 | 2,206 |
| Interest on long-term borrowings | 5,977 | - | 7,106 | 13,838 |
| Interest expense | - | - | - | 148,469 |
| Total interest expense | 150,842 | - | 152,467 | - |
| Net interest income | 280,115 | - | 230,256 | 225,715 |
| Provision for credit losses | 12,095 | - | 6,943 | 5,779 |
| Net interest income after provision for credit losses | 268,020 | - | 223,313 | 219,936 |
| Revenue from contract-Service Other | 4,970 | - | - | - |
| Revenue from contract-Fiduciary And Trust | 6,264 | - | - | - |
| Revenue from contract-Deposit Account | 10,145 | - | - | - |
| Revenue from contract-Credit Card | 1,858 | - | - | - |
| Revenue from contract with customer, including assessed tax | - | - | - | 25,154 |
| Revenue from contract-Financial Service Other | 1,183 | - | - | - |
| Income from bank-owned life insurance | 3,460 | - | - | 2,549 |
| Revenue from contract-Mortgage Banking | 2,495 | - | - | - |
| Mortgage loan servicing income | 0 | - | - | 783 |
| Marketable security, gain (loss) | - | - | - | 218 |
| Net investment securities gains (losses) | 10,442 | - | - | - |
| Other income | 2,387 | - | - | 1,955 |
| Total other income | 43,204 | - | 31,942 | 30,223 |
| Employee compensation | 64,092 | - | 58,481 | 58,501 |
| Employee benefits | 14,641 | - | 13,084 | 12,147 |
| Net occupancy expense | 12,488 | - | 11,271 | 11,400 |
| Other real estate owned ('oreo') expense | 201 | - | 104 | 268 |
| Net (gains) losses on the sales of oreo properties | 0 | - | 34 | -32 |
| Equipment expense | 8,540 | - | 7,811 | 7,548 |
| Data processing expense | 8,135 | - | 7,456 | 7,290 |
| Mortgage loan servicing expense and impairment | 0 | - | 403 | 1,011 |
| Bankcard processing expense | 576 | - | 661 | 602 |
| Fdic insurance expense | 4,345 | - | 4,338 | 5,058 |
| Other expense | 33,723 | - | 31,764 | 30,917 |
| Total other expense | 146,741 | - | 135,339 | 134,774 |
| Income before income taxes | 164,483 | - | 119,916 | 115,385 |
| Income taxes | 33,735 | - | 24,649 | 18,878 |
| Net income | 130,748 | 120,721 | 95,267 | 96,507 |
| Related income tax benefit | - | 0 | - | - |
| Amortization of net actuarial loss recognized in net income | - | 0 | - | - |
| Net effect of change in defined benefit pension plan asset on other comprehensive income | - | 0 | - | - |
| Change in net unrealized gain (loss) on afs securities arising during the period | - | 19,134 | - | - |
| Related income tax effect | - | 0 | - | - |
| Net reclassification adjustment for losses included in net income | - | 0 | - | - |
| Related income tax effect | - | 4,573 | - | - |
| Net effect of afs securities on other comprehensive income | - | 14,561 | - | - |
| Net effect of cash flow hedge derivatives on other comprehensive income | - | 3,281 | - | - |
| Total change in other comprehensive income (loss), net of tax | - | 11,280 | - | - |
| Total comprehensive income | - | 132,001 | - | - |
| Earnings per share, basic | 0.92 | 0.85 | 0.7 | 0.71 |
| Earnings per share, diluted | 0.92 | 0.85 | 0.7 | 0.71 |
| Weighted average number of shares outstanding, basic | 141,547,684 | 142,206,539 | 135,158,476 | 135,137,901 |
| Weighted average number of shares outstanding, diluted | 141,960,608 | 142,444,497 | 135,504,911 | 135,314,785 |
UNITED BANKSHARES INC WV (UBSI)
UNITED BANKSHARES INC WV (UBSI)