---
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"
generated_at: "2026-06-24T07:46:34.992617+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# United Bankshares Q2 net income $95.6M ($0.71 EPS), NIM expands 39 bps, loan growth 15%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-204190
- JSON: https://secwatch.observer/filing/0001193125-22-204190.json
- Plain text: https://secwatch.observer/filing/0001193125-22-204190.txt

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