---
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"
generated_at: "2026-06-28T18:13:41.957691+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Bankshares Q3 2021 EPS $0.71; announces agreement to acquire Community Bankers Trust

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-307257
- JSON: https://secwatch.observer/filing/0001193125-21-307257.json
- Plain text: https://secwatch.observer/filing/0001193125-21-307257.txt

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