Financial Highlights - United Bankshares, Inc(UBSI) achieved a record Net Income of $130.7 million and record Diluted Earnings Per Share of $0.92[8] - The company generated a Return on Average Assets of 1.57%, Return on Average Equity of 9.58%, and Return on Average Tangible Equity of 15.45%[8] - Net Interest Income was $280.1 million, and Net Interest Margin (FTE) remained solid at 3.80%[8] - The efficiency ratio is strong with expense control at 45.39%[8] Balance Sheet and Loan Portfolio - The company achieved period-end annualized loan growth and deposit growth of approximately 8%[8] - Linked-Quarter loan balances increased by $470 million, driven by Non-Owner Occupied CRE loans and Residential Real Estate loans[22] - Total loans reached $24.5 billion, with Non-Owner Occupied CRE accounting for 34%, CRE Owner Occupied for 9%, C&D for 15%, C&I for 15%, Residential Real Estate for 24%, and Other Consumer for 3%[24] Asset Quality - Non-Performing Assets (NPAs) increased to $123.8 million as of September 30, 2025, compared to $74.6 million as of June 30, 2025, with the ratio of NPAs to Total Assets increasing from 0.23% to 0.37%[27] - ALLL as a percentage of Total Loans decreased from 1.28% to 1.22% linked quarter[29] Deposits and Liquidity - Deposits increased by $548 million linked quarter, driven by Money Market, Interest-Bearing Transaction, and Time Deposit accounts[33] - Non-Interest Bearing accounts make up 25% of deposits[32] - Liquidity remains strong, with estimated uninsured/uncollateralized deposits at 33% of total deposits[36]