United Bankshares(NASDAQ) UBSI

United Bankshares, Inc. helps people save money and get loans. It makes banking easier for families and companies. Customers use its services for checking, credit cards, and investing.

Serving Your Financial Needs

• Community Banking: Checking, savings, and money market accounts for individuals and businesses; includes commercial and real estate lending.
• Mortgage Banking: Financing for home purchases and home equity products for residential customers.
• Wealth Management: Asset management, financial planning, and investment security offerings for long-term saving.
• Financial Services: Credit card facilities, student loans, and real property title insurance.

Growing the Footprint

• Consummated the acquisition of Atlanta-based Piedmont Bancorp, Inc. on Jan. 10, 2025.
• Integrated approximately $2.4 billion in assets and $2.1 billion in loans from the Piedmont merger.
• Repurchased 3,241,721 shares of common stock on the open market during the first six months of 2026.
• Renegotiated technology contracts leading to lower data processing expenses in 2026.

Regional Strength and Scale

United Bankshares maintains a branch network covering eight states and the District of Columbia. The company operates with a high ratio of shareholders' equity to assets, reaching 16.3% at June 30, 2026.

The Scoreboard

• Net income was $131.38 million in the second quarter of 2026, up from $120.72 million in the second quarter of 2025.
• Net interest income rose 6.2% to $567.83 million in the first half of 2026. It represents profits after paying depositors.
• Total assets reached $33.75 billion on June 30, 2026, remaining steady from the end of 2025.
• Noninterest income increased 22.4% year over year in the second quarter of 2026. This includes fees and investment gains.

Bottom Line

United Bankshares has transformed from a local West Virginia bank into a regional financial institution through strategic acquisitions. Its growth reflects a shift toward expanded commercial lending and wealth management services across the Mid-Atlantic and Southeast.