---
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"
generated_at: "2026-06-30T03:05:09.752922+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# United Bankshares Q2 2021 EPS $0.73 vs $0.44 YoY; announces Community Bankers Trust acquisition

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-222398
- JSON: https://secwatch.observer/filing/0001193125-21-222398.json
- Plain text: https://secwatch.observer/filing/0001193125-21-222398.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.