United Bankshares

United Bankshares helps people and businesses manage money and access loans. Its services include checking accounts and business lending for daily needs. Customers use these products to save, pay bills, or grow their companies.

Money Moves: Products and Services

• Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses (percentage of revenue not disclosed).
• Lending Services: Commercial, real estate, and consumer loans, including mortgages and credit cards (commercial loans are 57.74% of total loans).
• Digital Banking: Online and mobile banking for account management and payments (percentage of revenue not disclosed).
• Investment and Brokerage: Asset management, financial planning, and securities services for individuals and institutions (percentage of revenue not disclosed).
• Other Banking Services: Safe deposit boxes, wire transfers, and ATM access for convenience (percentage of revenue not disclosed).

Branching Out: Growth and Expansion

• Acquired Piedmont Bancorp in 2025, adding 16 Georgia locations and $2.4 billion in assets.
• Bought Community Bankers Trust in 2021, expanding in the DC Metro, Maryland, and Virginia.
• Purchased Carolina Financial in 2020, entering new Southeast markets.
• Consolidated mortgage banking into United Bank in 2024, streamlining operations.
• Invested in digital banking platforms, offering online account opening and mobile services.

Why United Stands Out

United has a broad branch network across the Mid-Atlantic and Southeast. Its growth relies on acquiring regional banks and expanding digital services. The company maintains a strong capital position and diversified funding sources.

Five Things You Need to Know

• Total revenue was $461 million in Q4 2025, up 14.0% year-over-year.
• Net income reached $464.6 million in 2025, up 24.6% from 2024.
• Total assets were $33.66 billion at year-end 2025, up 12.11% year-over-year.
• Deposits grew to $27.06 billion in 2025, up 12.93% from 2024.
• Shareholders’ equity was $5.50 billion in 2025, up 10.07% year-over-year.

Bottom Line

United has grown through acquisitions and digital investments, building a strong regional presence. Its diversified services and stable capital base support continued adaptation in a changing banking landscape.