UBSI reports record Q3 EPS of $0.92; NPLs surge to $117M on two large CRE loans

UNITED BANKSHARES INC/WV

2025-Q3 EPS reported $2.36

Q3 net income $130.7M ($0.92 diluted), up from Q2 $120.7M ($0.85) and Q3 2024 $95.3M ($0.70).
Net interest income record $280.1M (+2% QoQ, +22% YoY); net interest margin 3.80%.
Non-performing loans rose to $116.9M (0.48% of loans) from $68.3M (0.28%) at June 30, driven by $60.5M in two CRE NOO office loans in Northern Virginia.
Net charge-offs $20.0M (0.33% annualized) in Q3 vs $8.4M (0.14%) Q2; provision for credit losses $12.1M vs $5.9M Q2.
Repurchased ~735k shares at avg $36.04 in Q3; risk-based capital ratio 15.7%.

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