{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-247719","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.035780+00:00","generated_at":"2026-05-17T02:37:02.416280+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"UBSI reports record Q3 EPS of $0.92; NPLs surge to $117M on two large CRE loans","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-247719","json":"https://secwatch.observer/filing/0001193125-25-247719.json","markdown":"https://secwatch.observer/filing/0001193125-25-247719.md","text":"https://secwatch.observer/filing/0001193125-25-247719.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312525247719/0001193125-25-247719-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312525247719/d21381d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:37:02.416280+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"}