{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-204190","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2022-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.038476+00:00","generated_at":"2026-06-24T07:46:34.992617+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"United Bankshares Q2 net income $95.6M ($0.71 EPS), NIM expands 39 bps, loan growth 15%","bullets":["Q2 2022 net income $95.6M ($0.71 diluted EPS), up from $81.7M ($0.60) in Q1 2022.","Net interest margin expanded 39 bps to 3.38% QoQ, driven by rising interest rates and asset mix.","Annualized loan growth ex-PPP of 15%; non-performing loans low at 0.37% of loans.","Repurchased ~1.5M shares in Q2 at avg $34.47; risk-based capital ratio 14.8%.","Mortgage banking income fell $24.5M YoY; BOLI death benefits partially offset."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-204190","json":"https://secwatch.observer/filing/0001193125-22-204190.json","markdown":"https://secwatch.observer/filing/0001193125-22-204190.md","text":"https://secwatch.observer/filing/0001193125-22-204190.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312522204190/0001193125-22-204190-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312522204190/d347449d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T07:46:34.992617+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"}