{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-019056","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2022-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.592174+00:00","generated_at":"2026-06-27T15:10:45.884918+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"United Bankshares posts record 2021 net income of $367.7M ($2.83/sh); Q4 earnings decline 20%","bullets":["Record annual net income of $367.7M ($2.83 diluted EPS) vs $289.0M ($2.40) in 2020, up 27%.","Q4 net income $73.9M ($0.56 EPS) vs $92.4M ($0.71) Q4 2020, down 20% on lower mortgage banking income and merger costs.","Completed Community Bankers Trust acquisition on Dec 3, 2021; merger-related expenses of $20.4M in Q4.","Net interest margin 2.94% in Q4, down 39 bps YoY; provision for credit losses was a net benefit of $7.4M.","Nonperforming loans fell to 0.50% of loans from 0.75% at Dec 31, 2020; regulatory capital remains well-capitalized."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-019056","json":"https://secwatch.observer/filing/0001193125-22-019056.json","markdown":"https://secwatch.observer/filing/0001193125-22-019056.md","text":"https://secwatch.observer/filing/0001193125-22-019056.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312522019056/0001193125-22-019056-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312522019056/d259172d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:10:45.884918+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"}