{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-21-307257","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2021-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.442424+00:00","generated_at":"2026-06-28T18:13:41.957691+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Bankshares Q3 2021 EPS $0.71; announces agreement to acquire Community Bankers Trust","bullets":["Q3 2021 net income $92.2M ($0.71 diluted EPS) vs $103.8M ($0.80) in Q3 2020; 9M EPS $2.27 vs $1.68.","Net interest margin 2.98% (down 20 bps YoY); loan accretion decreased $3.5M to $8.2M.","Provision for credit losses was a net benefit of $7.8M vs expense of $16.8M in prior year.","Nonperforming assets fell 31% from Dec 2020 to $107M (0.39% of total assets).","Merger with Community Bankers Trust expected Q4 2021; all regulatory approvals received."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-21-307257","json":"https://secwatch.observer/filing/0001193125-21-307257.json","markdown":"https://secwatch.observer/filing/0001193125-21-307257.md","text":"https://secwatch.observer/filing/0001193125-21-307257.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312521307257/0001193125-21-307257-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312521307257/d246397d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T18:13:41.957691+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"}