{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-184314","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2024-07-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.735022+00:00","generated_at":"2026-05-31T16:30:08.990757+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 Q2 EPS $0.71 beats Q1 and YoY; NIM expands; Piedmont merger on track","bullets":["Q2 net income $96.5M ($0.71 diluted EPS) vs $86.8M ($0.64) in Q1 and $92.5M ($0.68) in Q2 2023.","Net interest margin improved to 3.50% from 3.44% in Q1; net interest income up $3.2M sequentially.","Noninterest expense decreased 4% sequentially; provision for credit losses $5.8M vs $11.4M YoY.","Non-performing loans $65.3M (0.30% of loans) up from Dec 2023 but down $9.1M from March 2024.","Piedmont Bancorp acquisition expected close late Q4 2024 or early Q1 2025; combined assets >$32B."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-184314","json":"https://secwatch.observer/filing/0001193125-24-184314.json","markdown":"https://secwatch.observer/filing/0001193125-24-184314.md","text":"https://secwatch.observer/filing/0001193125-24-184314.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312524184314/0001193125-24-184314-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312524184314/d875088d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:30:08.990757+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"}