{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-21-222398","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2021-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:04:20.640502+00:00","generated_at":"2026-06-30T03:05:09.752922+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"United Bankshares Q2 2021 EPS $0.73 vs $0.44 YoY; announces Community Bankers Trust acquisition","bullets":["Q2 2021 net income $94.8M, diluted EPS $0.73 vs $52.7M, $0.44 in Q2 2020; H1 net income $201.7M, $1.56 vs $92.9M, $0.84.","Net interest income $186.5M, up 9% YoY; provision for credit losses net benefit $8.9M vs $45.9M expense in Q2 2020.","Noninterest income $62.8M, down 29% on mortgage banking mark-to-market; noninterest expense $139.0M, down 7%.","Nonperforming loans improved to 0.61% of loans from 0.75% at year-end; risk-based capital ratio 15.9%, well-capitalized.","Announced acquisition of Community Bankers Trust; expected close Q4 2021 subject to regulatory and shareholder approvals."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-21-222398","json":"https://secwatch.observer/filing/0001193125-21-222398.json","markdown":"https://secwatch.observer/filing/0001193125-21-222398.md","text":"https://secwatch.observer/filing/0001193125-21-222398.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312521222398/0001193125-21-222398-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312521222398/d38497d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T03:05:09.752922+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}