{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-313364","form_type":"8-K","ticker":"UBSI","cik":"0000729986","company_name":"UNITED BANKSHARES INC/WV","filed_at":"2026-07-23T12:00:07+00:00","discovered_at":"2026-07-23T12:05:00.459097+00:00","generated_at":"2026-07-23T12:05:40.391821+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 reports record Q2 2026 earnings of $0.95 EPS, net income $131.4M","bullets":["Record Q2 2026 EPS of $0.95, up from $0.89 in Q1 2026 and $0.85 in Q2 2025; net income $131.4M.","Net interest income $285.3M (+1% QoQ, +4% YoY); net interest margin stable at 3.81%.","Provision for credit losses $5.0M, down from $7.8M in Q1 2026; net charge-offs $5.1M (0.08% annualized).","Non-performing loans $110.6M (0.44% of loans); allowance for loan losses 1.20% of loans.","Repurchased 1.5M shares at avg $43.93 in Q2; 3.2M shares in H1 2026 at avg $41.78."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-313364","json":"https://secwatch.observer/filing/0001193125-26-313364.json","markdown":"https://secwatch.observer/filing/0001193125-26-313364.md","text":"https://secwatch.observer/filing/0001193125-26-313364.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/729986/000119312526313364/0001193125-26-313364-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/729986/000119312526313364/d139267d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T12:05:40.391821+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"}