Here are the 10-K annual reports from United Bankshares Inc (UBSI) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow UBSI and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full UBSI filings page.
United Bankshares, Inc. files its annual report describing a larger, more geographically diverse community banking franchise after a year of significant growth and acquisition activity. As of December 31, 2025, consolidated assets were approximately $33.7 billion and total shareholders’ equity was about $5.5 billion.
On January 10, 2025, United completed its acquisition of Piedmont Bancorp, Inc., adding roughly $2.4 billion in assets and entry into the greater Atlanta, Georgia market. The loan and lease portfolio grew by $3.0 billion, or 14.01%, in 2025, driven mainly by the Piedmont portfolio.
The company emphasizes commercial and real estate lending, with about $17.8 billion in commercial-related loans and approximately $11.9 billion, or 48.16% of total loans, in real estate and construction as of year-end 2025. United also details robust mortgage origination and secondary market activity, investment portfolio income, extensive regulatory oversight, capital requirements, and a broad set of operational, credit, technology, cybersecurity, fraud and compliance risk factors it faces as a multi-state financial holding company.