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Credit Quality | 12 Months Ended
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Dec. 31, 2025
Text Block [Abstract] |
Credit Quality | NOTE E--CREDIT QUALITY Management monitors the credit quality of its loans and leases on an ongoing basis. Measurement of delinquency and past due status are based on the contractual terms of each loan. United considers a loan to be past due when it is 30 days or more past its contractual payment due date. For all loan classes, past due loans and leases are reviewed on a monthly basis to identify loans and leases for nonaccrual status. Generally, when collection in full of the principal and interest is jeopardized, the loan is placed on nonaccrual status. The accrual of interest income on commercial and most consumer loans generally is discontinued when a loan becomes 90 to 120 days past due as to principal or interest. However, regardless of delinquency status, if a loan is fully secured and in the process of collection and resolution of collection is expected in the near term (generally less than 90 days), then the loan will not be placed on nonaccrual status. When interest accruals are discontinued, unpaid interest recognized in income in the current year is reversed, and unpaid interest accrued in prior years is charged to the allowance for credit losses. United’s method of income recognition for loans and leases that are classified as nonaccrual is to recognize interest income on a cash basis or apply the cash receipt to principal when the ultimate collectability of principal is in doubt. Nonaccrual loans and leases will not normally be returned to accrual status unless all past due principal and interest has been paid and the borrower has evidenced their ability to meet the contractual provisions of the note. The following table sets forth United’s age analysis of its past due loans and leases, segregated by class of loans and leases:
Age Analysis of Past Due Loans and Leases As of December 31, 2025 |
(In thousands) |  | 30-89 Days Past Due |  |  | 90 Days or more Past Due |  |  | Total Past Due |  |  | Current & Other |  |  | Total Financing Receivables |  |  | 90 Days or More Past Due & Accruing |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 4,754 |  |  | $ | 1,830 |  |  | $ | 6,584 |  |  | $ | 2,139,337 |  |  | $ | 2,145,921 |  |  | $ | 81 |
Nonowner-occupied |  |  | 7,598 |  |  |  | 71,038 |  |  |  | 78,636 |  |  |  | 8,264,884 |  |  |  | 8,343,520 |  |  |  | 0 |
Other commercial |  |  | 2,490 |  |  |  | 6,569 |  |  |  | 9,059 |  |  |  | 3,775,774 |  |  |  | 3,784,833 |  |  |  | 591 |
Residential real estate |  |  | 25,026 |  |  |  | 19,124 |  |  |  | 44,150 |  |  |  | 6,054,112 |  |  |  | 6,098,262 |  |  |  | 3,701 |
Construction & land development |  |  | 1,508 |  |  |  | 1,301 |  |  |  | 2,809 |  |  |  | 3,568,093 |  |  |  | 3,570,902 |  |  |  | 0 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 28 |  |  |  | 54 |  |  |  | 82 |  |  |  | 9,604 |  |  |  | 9,686 |  |  |  | 54 |
Other consumer |  |  | 13,661 |  |  |  | 1,550 |  |  |  | 15,211 |  |  |  | 752,285 |  |  |  | 767,496 |  |  |  | 547 |
Total |  | $ | 55,065 |  |  | $ | 101,466 |  |  | $ | 156,531 |  |  | $ | 24,564,089 |  |  | $ | 24,720,620 |  |  | $ | 4,974 |
Age Analysis of Past Due Loans and Leases As of December 31, 2024 |
(In thousands) |  | 30-89 Days Past Due |  |  | 90 Days or more Past Due |  |  | Total Past Due |  |  | Current & Other |  |  | Total Financing Receivables |  |  | 90 Days or More Past Due & Accruing |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 3,767 |  |  | $ | 1,284 |  |  | $ | 5,051 |  |  | $ | 1,584,951 |  |  | $ | 1,590,002 |  |  | $ | 0 |
Nonowner-occupied |  |  | 11,931 |  |  |  | 23,379 |  |  |  | 35,310 |  |  |  | 6,904,331 |  |  |  | 6,939,641 |  |  |  | 0 |
Other commercial |  |  | 5,594 |  |  |  | 19,019 |  |  |  | 24,613 |  |  |  | 3,326,749 |  |  |  | 3,351,362 |  |  |  | 431 |
Residential real estate |  |  | 33,783 |  |  |  | 20,946 |  |  |  | 54,729 |  |  |  | 5,452,655 |  |  |  | 5,507,384 |  |  |  | 12,429 |
Construction & land development |  |  | 390 |  |  |  | 4,265 |  |  |  | 4,655 |  |  |  | 3,504,379 |  |  |  | 3,509,034 |  |  |  | 1,677 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 63 |  |  |  | 61 |  |  |  | 124 |  |  |  | 9,874 |  |  |  | 9,998 |  |  |  | 61 |
Other consumer |  |  | 28,414 |  |  |  | 4,446 |  |  |  | 32,860 |  |  |  | 740,217 |  |  |  | 773,077 |  |  |  | 2,342 |
Total |  | $ | 83,942 |  |  | $ | 73,400 |  |  | $ | 157,342 |  |  | $ | 21,523,156 |  |  | $ | 21,680,498 |  |  | $ | 16,940 |
The following table sets forth United’s nonaccrual loans and leases, segregated by class of loans and leases:
|  | At December 31, 2025 |  |  | At December 31, 2024 |
(In thousands) |  | Nonaccruals |  |  | With No Related Allowance for Credit Losses |  |  | Nonaccruals |  |  | With No Related Allowance for Credit Losses |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 1,749 |  |  | $ | 1,749 |  |  | $ | 1,284 |  |  | $ | 1,284 |
Nonowner-occupied |  |  | 71,038 |  |  |  | 71,038 |  |  |  | 23,379 |  |  |  | 8,475 |
Other Commercial |  |  | 5,978 |  |  |  | 3,515 |  |  |  | 18,588 |  |  |  | 584 |
Residential Real Estate |  |  | 15,423 |  |  |  | 15,423 |  |  |  | 8,517 |  |  |  | 5,562 |
Construction |  |  | 1,301 |  |  |  | 1,301 |  |  |  | 2,588 |  |  |  | 2,589 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Other consumer |  |  | 1,003 |  |  |  | 1,003 |  |  |  | 2,104 |  |  |  | 2,104 |
Total |  | $ | 96,492 |  |  | $ | 94,029 |  |  | $ | 56,460 |  |  |  | $20,598 |
Interest income recognized on nonaccrual loans was insignificant during the year ended December 31, 2025 and 2024. In some cases, United will modify a loan to a borrower experiencing financial difficulty by providing multiple types of concessions such as a term extension, principal forgiveness, an interest rate reduction or a combination thereof. The following table presents the amortized cost of loans and leases to borrowers experiencing financial difficulty modified during the years of 2025 and 2024, respectively, by class of financing receivable and by type of modification. The percentage of the amortized cost basis of loans and leases that were modified to borrowers experiencing financial difficulty as compared to the amortized cost basis of each class of financing receivable is also represented below.
|  | Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty |
|  | For the Year ended December 31, 2025 |
(Dollars in thousands) |  | Term Extension |  |  | Other- Than- Insignificant Payment Delay |  |  | Interest Rate Reduction |  |  | Term Extension & Interest Rate Reduction |  |  | Interest Rate Reduction & Payment Delay |  |  | % of Total Class of Financing Receivable |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 8,015 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3,466 |  |  |  | 0.54 | %
Nonowner- occupied |  |  | 7,460 |  |  |  | 7,160 |  |  |  | 4,616 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.23 | %
Other commercial |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,000 |  |  |  | 0 |  |  |  | 0.03 | %
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Construction & land development |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Total |  | $ | 15,475 |  |  | $ | 7,160 |  |  | $ | 4,616 |  |  | $ | 1,000 |  |  | $ | 3,466 |  |  |  | 0.13 | %
|  |  | Amortized Cost Basis of Loan Modifications Made to Borrowers Experiencing Financial Difficulty |
|  | For the Year ended December 31, 2024 |
(Dollars in thousands) |  |  | Term Extension |  |  |  | Other- Than- Insignificant Payment Delay |  |  |  | Interest Rate Reduction |  |  |  | Term Extension & Interest Rate Reduction |  |  |  | Term Extension & Payment Delay |  |  |  | % of Total Class of Financing Receivable |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 445 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  |  | 0.03 | %
Nonowner-occupied |  |  | 5,765 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.08 | %
Other commercial |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,400 |  |  |  | 0 |  |  |  | 0.00 | %
Residential real estate |  |  | 185 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 168 |  |  |  | 0.06 | %
Construction & land development |  |  | 52 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Total |  | $ | 6,447 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,400 |  |  | $ | 168 |  |  |  | 0.04 | %
As of December 31, 2025, there was a commitment to lend additional funds of $139,000 to two debtors owing a loan receivable whose terms have been modified. United’s estimate of future credit losses uses a lifetime methodology, derived from modeled loan performance based on the extensive historical experience of loans with similar risk characteristics, adjusted to reflect current conditions and reasonable and supportable forecasts. The historical loss experience used in United’s credit loss models includes the impact of loan modifications provided to borrowers experiencing financial difficulty, and also includes the impact of projected loss severities as a result of loan defaults. United closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance in the 12 months after a modification made to borrowers experiencing financial difficulty presented by class of financing receivable:
|  | Payment Status (Amortized Cost Basis) |
|  | As of December 31, 2025 |  |  | As of December 31, 2024 |
(In thousands) |  | Current |  |  | 30-89 Days Past Due |  |  | 90+ Days Past Due |  |  | Current |  |  | 30-89 Days Past Due |  |  | 90+ Days Past Due |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 11,481 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 445 |  |  | $ | 0 |  |  | $ | 0 |
Nonowner-occupied |  |  | 14,838 |  |  |  | 4,398 |  |  |  | 0 |  |  |  | 1,366 |  |  |  | 4,399 |  |  |  | 0 |
Other commercial |  |  | 1,000 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,400 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 297 |  |  |  | 56 |  |  |  | 0 |
Construction & land development |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 52 |  |  |  | 0 |  |  |  | 0 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 27,319 |  |  | $ | 4,398 |  |  | $ | 0 |  |  | $ | 4,560 |  |  | $ | 4,455 |  |  | $ | 0 |
The following table presents the financial effect of loan and lease modifications to borrowers experiencing financial difficulty for the year ended December 31, 2025 and 2024.
|  | For the Year Ended |
|  | December 31, 2025 |  |  | December 31, 2024 |
|  | Weighted- Average Interest Rate Reduction |  |  | Weighted- Average Other-Than- Insignificant Payment Delay (in years) |  |  | Weighted Average Term Extension (in years) |  |  | Weighted- Average Interest Rate Reduction |  |  | Weighted Average Term Extension (in years) |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 0.50 | % |  |  | 2.4 |  |  |  | 0.8 |  |  |  | 0.00 | % |  |  | 0.3 |
Nonowner-occupied |  |  | 0.50 | % |  |  | 1.6 |  |  |  | 0.4 |  |  |  | 0.00 | % |  |  | 0.5 |
Other Commercial |  |  | 0.00 | % |  |  | 0 |  |  |  | 0.3 |  |  |  | 1.00 | % |  |  | 0.3 |
Residential Real Estate |  |  | 0.00 | % |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | % |  |  | 4.9 |
Construction & land development |  |  | 0.00 | % |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | % |  |  | 4.5 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 0.00 | % |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | % |  |  | 0 |
Other consumer |  |  | 0.00 | % |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | % |  |  | 0 |
No loan or lease modifications completed within the last 12 months to borrowers experiencing financial difficulty had a payment default during the year ended December 31, 2025. The following table presents loan or lease modifications completed within the 12-month period ended December 31, 2024 to borrowers experiencing financial difficulty had a payment default during the year ended December 31, 2024 .
|  | For the Year ended December 31, 2024 |
(Dollars in thousands) |  | Term Extension |  |  | Interest Rate Reduction |  |  | Term Extension & Interest Rate Reduction |  |  | Term Extension & Payment Delay |  |  | % of Total Class of Financing Receivable |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  |  | 0.00 | %
Nonowner-occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Other commercial |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Construction & land development |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 674 |  |  |  | 0.02 | %
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0.00 | %
Total |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 674 |  |  |  | 0.00 | %
United elected the practical expedient to measure expected credit losses on collateral dependent loans and leases based on the difference between the loan’s amortized cost and the collateral’s fair value, adjusted for selling costs. The following table presents the amortized cost basis of collateral-dependent loans and leases in which repayment is expected to be derived substantially through the operation or sale of the collateral and where the borrower is experiencing financial difficulty, by class of loans and leases as of December 31, 2025 and December 31, 2024:
|  | Collateral Dependent Loans and Leases |
|  | At December 31, 2025 |
(In thousands) |  | Residential Property |  |  | Business Assets |  |  | Land |  |  | Commercial Property |  |  | Other |  |  | Total |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3,094 |  |  | $ | 19,366 |  |  | $ | 22,460 |
Nonowner-occupied |  |  | 6,830 |  |  |  | 0 |  |  |  | 0 |  |  |  | 84,786 |  |  |  | 38,761 |  |  |  | 130,377 |
Other commercial |  |  | 0 |  |  |  | 4,005 |  |  |  | 0 |  |  |  | 4,893 |  |  |  | 3,174 |  |  |  | 12,072 |
Residential real estate |  |  | 6,049 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 5 |  |  |  | 6,054 |
Construction & land development |  |  | 250 |  |  |  | 0 |  |  |  | 849 |  |  |  | 0 |  |  |  | 1,170 |  |  |  | 2,269 |
|  | Collateral Dependent Loans and Leases |
|  | At December 31, 2025 |
(In thousands) |  | Residential Property |  |  | Business Assets |  |  | Land |  |  | Commercial Property |  |  | Other |  |  | Total |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 13,129 |  |  | $ | 4,005 |  |  | $ | 849 |  |  | $ | 92,773 |  |  | $ | 62,476 |  |  | $ | 173,232 |
|  | Collateral Dependent Loans and Leases |
|  | At December 31, 2024 |
(In thousands) |  | Residential Property |  |  | Business Assets |  |  | Land |  |  | Commercial Property |  |  | Other |  |  | Total |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 5 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3,119 |  |  | $ | 6,465 |  |  | $ | 9,589 |
Nonowner-occupied |  |  | 7,037 |  |  |  | 0 |  |  |  | 0 |  |  |  | 23,975 |  |  |  | 2,367 |  |  |  | 33,379 |
Other commercial |  |  | 0 |  |  |  | 15,816 |  |  |  | 0 |  |  |  | 5,041 |  |  |  | 528 |  |  |  | 21,385 |
Residential real estate |  |  | 7,348 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 11 |  |  |  | 7,359 |
Construction & land development |  |  | 0 |  |  |  | 0 |  |  |  | 2,492 |  |  |  | 0 |  |  |  | 873 |  |  |  | 3,365 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Bankcard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Other consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 14,390 |  |  | $ | 15,816 |  |  | $ | 2,492 |  |  | $ | 32,135 |  |  | $ | 10,244 |  |  | $ | 75,077 |
United categorizes loans and leases into risk categories based on relevant information about the ability of borrowers to service their debt: current financial information, historical payment experience, credit documentation, underlying collateral (if any), public information and current economic trends, among other factors. United uses the following definitions for risk ratings:
| • |  | Pass
| • |  | Special Mention
| • |  | Substandard
| • |  | Doubtful
For United’s loans with a corporate credit exposure, United analyzes loans individually to classify the loans as to credit risk. Review and analysis of criticized (special mention-rated loans in the amount of $1,000,000 or greater) and classified (substandard-rated and worse in the amount of $500,000 and greater) loans is completed once per quarter. Review of notes with committed exposure of $3,000,000 or greater is completed at least annually. For loans with a consumer credit exposure, United internally assigns a grade based upon an individual loan’s delinquency status. United reviews and updates, as necessary, these grades on a quarterly basis. Special mention loans, with a corporate credit exposure, have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loans or in the Company’s credit position at some future date. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet (e.g., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons for rating a credit exposure special mention include management problems, pending litigation, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices. For loans with a consumer credit exposure, loans that are past due 30-89 days are generally considered special mention. A substandard loan with a corporate credit exposure is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt by the borrower. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. They require more intensive supervision by management. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. For some substandard loans, the likelihood of full collection of interest and principal may be in doubt and thus, placed on nonaccrual. For loans with a consumer credit exposure, loans that are 90 days or more past due or that have been placed on nonaccrual are considered substandard. A loan with corporate credit exposure is classified as doubtful if it has all the weaknesses inherent in one classified as substandard with the added characteristic that the weaknesses make collection in full, on the basis of currently existing facts, conditions, and values, highly questionable. A doubtful loan has a high probability of total or substantial loss, but because of specific pending events that may strengthen the loan, its classification as loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital, and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral, and refinancing. Generally, there are not any loans with a consumer credit exposure that are classified as doubtful. Usually, they are charged-off prior to such a classification. Based on the most recent analysis performed, the risk category of loans and leases as well as charge-offs and recoveries by class of loans is as follows. Loans originated in any year may be renewals of existing loans and not necessarily new loans.
Commercial Real Estate – Owner-occupied |  |  | Revolving loans converted to term loans |  |  |  |
|  | Term Loans |  |  | Revolving loans amortized cost basis |  |  | Total |
(In thousands) |  | Origination Year |
As of December 31, 2025 |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 353,313 |  |  | $ | 362,198 |  |  | $ | 196,733 |  |  | $ | 301,328 |  |  | $ | 278,290 |  |  | $ | 555,204 |  |  | $ | 51,711 |  |  | $ | 0 |  |  | $ | 2,098,777 |
Special Mention |  |  | 0 |  |  |  | 0 |  |  |  | 4,842 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,727 |  |  |  | 2,695 |  |  |  | 0 |  |  |  | 11,264 |
Substandard |  |  | 0 |  |  |  | 246 |  |  |  | 4,027 |  |  |  | 3,402 |  |  |  | 0 |  |  |  | 19,671 |  |  |  | 8,220 |  |  |  | 116 |  |  |  | 35,682 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 198 |  |  |  | 0 |  |  |  | 0 |  |  |  | 198 |
Total |  | $ | 353,313 |  |  | $ | 362,444 |  |  | $ | 205,602 |  |  | $ | 304,730 |  |  | $ | 278,290 |  |  | $ | 578,800 |  |  | $ | 62,626 |  |  | $ | 116 |  |  | $ | 2,145,921 |
Current-period charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (228 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (228 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 14 |  |  |  | 0 |  |  |  | 304 |  |  |  | 0 |  |  |  | 0 |  |  |  | 318 |
Current-period net recoveries |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 14 |  |  | $ | 0 |  |  | $ | 76 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 90 |
|  | Term Loans |  |  | Revolving loans amortized cost basis |  |  | Revolving loans converted to term loans |  |  | Total |
(In thousands) |  | Origination Year |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 236,547 |  |  | $ | 132,095 |  |  | $ | 243,103 |  |  | $ | 225,152 |  |  | $ | 205,461 |  |  | $ | 467,417 |  |  | $ | 29,900 |  |  | $ | 0 |  |  | $ | 1,539,675 |
Special Mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 15,199 |  |  |  | 8,545 |  |  |  | 0 |  |  |  | 23,744 |
Substandard |  |  | 247 |  |  |  | 0 |  |  |  | 3,493 |  |  |  | 0 |  |  |  | 307 |  |  |  | 21,744 |  |  |  | 445 |  |  |  | 121 |  |  |  | 26,357 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 226 |  |  |  | 0 |  |  |  | 0 |  |  |  | 226 |
Total |  | $ | 236,794 |  |  | $ | 132,095 |  |  | $ | 246,596 |  |  | $ | 225,152 |  |  | $ | 205,768 |  |  | $ | 504,586 |  |  | $ | 38,890 |  |  | $ | 121 |  |  | $ | 1,590,002 |
Current-period charge- offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (116 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (116 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 15 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,168 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,183 |
Current-period net recoveries |  | $ | 0 |  |  | $ | 0 |  |  | $ | 15 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,052 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 1,067 |
Commercial Real Estate – Nonowner-occupied |  |  |  |  |  |  |
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost basis |  |  | Revolving loans converted to term loans |  |  | Total |
As of December 31, 2025 |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,628,785 |  |  | $ | 856,235 |  |  | $ | 760,043 |  |  | $ | 1,917,759 |  |  | $ | 1,165,300 |  |  | $ | 1,397,941 |  |  | $ | 143,406 |  |  | $ | 0 |  |  | $ | 7,869,469 |
Special Mention |  |  | 1,983 |  |  |  | 0 |  |  |  | 7,058 |  |  |  | 51,603 |  |  |  | 113,708 |  |  |  | 120,213 |  |  |  | 0 |  |  |  | 0 |  |  |  | 294,565 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 5,431 |  |  |  | 48,950 |  |  |  | 5,323 |  |  |  | 97,607 |  |  |  | 22,175 |  |  |  | 0 |  |  |  | 179,486 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 1,630,768 |  |  | $ | 856,235 |  |  | $ | 772,532 |  |  | $ | 2,018,312 |  |  | $ | 1,284,331 |  |  | $ | 1,615,761 |  |  | $ | 165,581 |  |  | $ | 0 |  |  | $ | 8,343,520 |
Current-period charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (35,798 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (35,798 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 160 |  |  |  | 0 |  |  |  | 0 |  |  |  | 160 |
Current-period net charge-offs |  | $ | 0 |  |  |  | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (35,638 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | (35,638 | )
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost basis |  |  | Revolving loans and leases converted to term loans |  |  |  |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 741,996 |  |  | $ | 485,437 |  |  | $ | 1,623,423 |  |  | $ | 1,294,232 |  |  | $ | 639,143 |  |  | $ | 1,584,833 |  |  | $ | 160,243 |  |  | $ | 78 |  |  | $ | 6,529,385 |
Special Mention |  |  | 0 |  |  |  | 0 |  |  |  | 8,465 |  |  |  | 82,240 |  |  |  | 29,940 |  |  |  | 210,912 |  |  |  | 0 |  |  |  | 0 |  |  |  | 331,557 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 4,085 |  |  |  | 4,020 |  |  |  | 143 |  |  |  | 48,633 |  |  |  | 21,818 |  |  |  | 0 |  |  |  | 78,699 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 741,996 |  |  | $ | 485,437 |  |  | $ | 1,635,973 |  |  | $ | 1,380,492 |  |  | $ | 669,226 |  |  | $ | 1,844,378 |  |  | $ | 182,061 |  |  | $ | 78 |  |  | $ | 6,939,641 |
Current-period charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (751 | ) |  |  | (1,830 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (2,581 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 200 |  |  |  | 0 |  |  |  | 0 |  |  |  | 200 |
Current-period net (charge-offs) recoveries |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (751 | ) |  | $ | (1,630 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | (2,381 | )
Other commercial
(In thousands) |  | Term Loans and leases Origination Year |  |  | Revolving loans and leases amortized cost basis |  |  | Revolving loans and leases converted to term loans |  |  |  |
As of December 31, 2025 |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 628,597 |  |  | $ | 373,700 |  |  | $ | 472,334 |  |  | $ | 214,442 |  |  | $ | 324,424 |  |  | $ | 600,824 |  |  | $ | 1,117,879 |  |  | $ | 47 |  |  | $ | 3,732,247 |
Special Mention |  |  | 5 |  |  |  | 431 |  |  |  | 117 |  |  |  | 949 |  |  |  | 1,128 |  |  |  | 9,012 |  |  |  | 458 |  |  |  | 0 |  |  |  | 12,100 |
Substandard |  |  | 0 |  |  |  | 1,689 |  |  |  | 2,853 |  |  |  | 6,225 |  |  |  | 6,926 |  |  |  | 17,469 |  |  |  | 5,324 |  |  |  | 0 |  |  |  | 40,486 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 628,602 |  |  | $ | 375,820 |  |  | $ | 475,304 |  |  | $ | 221,616 |  |  | $ | 332,478 |  |  | $ | 627,305 |  |  | $ | 1,123,661 |  |  | $ | 47 |  |  | $ | 3,784,833 |
Current-period charge-offs |  |  | 0 |  |  |  | (48 | ) |  |  | (150 | ) |  |  | (229 | ) |  |  | (1,625 | ) |  |  | (2,459 | ) |  |  | (913 | ) |  |  | 0 |  |  |  | (5,424 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 27 |  |  |  | 75 |  |  |  | 32 |  |  |  | 2,111 |  |  |  | 64 |  |  |  | 0 |  |  |  | 2,309 |
Current-period net charge- offs |  | $ | 0 |  |  | $ | (48 | ) |  | $ | (123 | ) |  | $ | (154 | ) |  | $ | (1,593 | ) |  | $ | (348 | ) |  | $ | (849 | ) |  | $ | 0 |  |  | $ | (3,115 | )
|  | Term Loans and leases |  |  | Revolving loans and leases amortized cost basis |  |  | Revolving loans and leases converted to term loans |  |  | Total |
(In thousands) |  | Origination Year |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 403,641 |  |  | $ | 505,947 |  |  | $ | 378,072 |  |  | $ | 394,412 |  |  | $ | 164,671 |  |  | $ | 519,488 |  |  | $ | 912,293 |  |  | $ | 0 |  |  | $ | 3,278,524 |
Special Mention |  |  | 81 |  |  |  | 36 |  |  |  | 1,129 |  |  |  | 339 |  |  |  | 251 |  |  |  | 18,941 |  |  |  | 4,652 |  |  |  | 0 |  |  |  | 25,429 |
Substandard |  |  | 206 |  |  |  | 419 |  |  |  | 18,927 |  |  |  | 7,029 |  |  |  | 835 |  |  |  | 11,262 |  |  |  | 8,706 |  |  |  | 0 |  |  |  | 47,384 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 25 |  |  |  | 0 |  |  |  | 0 |  |  |  | 25 |
Total |  | $ | 403,928 |  |  | $ | 506,402 |  |  | $ | 398,128 |  |  | $ | 401,780 |  |  | $ | 165,757 |  |  | $ | 549,716 |  |  | $ | 925,651 |  |  | $ | 0 |  |  | $ | 3,351,362 |
Current-period charge-offs |  |  | 0 |  |  |  | (464 | ) |  |  | (252 | ) |  |  | (156 | ) |  |  | (148 | ) |  |  | (1,352 | ) |  |  | (1,217 | ) |  |  | 0 |  |  |  | (3,589 | )
Current-period recoveries |  |  | 10 |  |  |  | 67 |  |  |  | 9 |  |  |  | 45 |  |  |  | 0 |  |  |  | 1,512 |  |  |  | 7 |  |  |  | 0 |  |  |  | 1,650 |
Current-period net recoveries (charge- offs) |  | $ | 10 |  |  | $ | (397 | ) |  | $ | (243 | ) |  | $ | (111 | ) |  | $ | (148 | ) |  | $ | 160 |  |  | $ | (1,210 | ) |  | $ | 0 |  |  | $ | (1,939 | )
Residential Real Estate |
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost basis |  |  | Revolving loans converted to term loans |  |  |  |
As of December 31, 2025 |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 746,665 |  |  | $ | 427,238 |  |  | $ | 784,994 |  |  | $ | 1,608,513 |  |  | $ | 822,932 |  |  | $ | 1,148,481 |  |  | $ | 533,509 |  |  | $ | 160 |  |  | $ | 6,072,492 |
Special Mention |  |  | 0 |  |  |  | 476 |  |  |  | 104 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,048 |  |  |  | 637 |  |  |  | 0 |  |  |  | 5,265 |
Substandard |  |  | 0 |  |  |  | 407 |  |  |  | 107 |  |  |  | 0 |  |  |  | 7,800 |  |  |  | 11,984 |  |  |  | 207 |  |  |  | 0 |  |  |  | 20,505 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 746,665 |  |  | $ | 428,121 |  |  | $ | 785,205 |  |  | $ | 1,608,513 |  |  | $ | 830,732 |  |  | $ | 1,164,513 |  |  | $ | 534,353 |  |  | $ | 160 |  |  | $ | 6,098,262 |
Current-period charge-offs |  |  | 0 |  |  |  | (67 | ) |  |  | (205 | ) |  |  | (189 | ) |  |  | (6 | ) |  |  | (532 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (999 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2 |  |  |  | 701 |  |  |  | 1 |  |  |  | 0 |  |  |  | 704 |
Current-period net (charge- offs) recoveries |  | $ | 0 |  |  | $ | (67 | ) |  | $ | (205 | ) |  | $ | (189 | ) |  | $ | (4 | ) |  | $ | 169 |  |  | $ | 1 |  |  | $ | 0 |  |  | $ | (295 | )
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost basis |  |  | Revolving loans converted to term loans |  |  |  |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 407,430 |  |  | $ | 820,059 |  |  | $ | 1,617,541 |  |  | $ | 827,395 |  |  | $ | 396,094 |  |  | $ | 971,226 |  |  | $ | 447,363 |  |  | $ | 2,467 |  |  | $ | 5,489,575 |
Special Mention |  |  | 382 |  |  |  | 107 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 2,466 |  |  |  | 1,326 |  |  |  | 0 |  |  |  | 4,281 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 508 |  |  |  | 0 |  |  |  | 12,430 |  |  |  | 507 |  |  |  | 83 |  |  |  | 13,528 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 407,812 |  |  | $ | 820,166 |  |  | $ | 1,617,541 |  |  | $ | 827,903 |  |  | $ | 396,094 |  |  | $ | 986,122 |  |  | $ | 449,196 |  |  | $ | 2,550 |  |  | $ | 5,507,384 |
Current-period charge-offs |  |  | 0 |  |  |  | (7 | ) |  |  | (2 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (359 | ) |  |  | (113 | ) |  |  | 0 |  |  |  | (481 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 5 |  |  |  | 0 |  |  |  | 489 |  |  |  | 1 |  |  |  | 0 |  |  |  | 495 |
Current-period net (charge- offs) recoveries |  | $ | 0 |  |  | $ | (7 | ) |  | $ | (2 | ) |  | $ | 5 |  |  | $ | 0 |  |  | $ | 130 |  |  | $ | (112 | ) |  | $ | 0 |  |  | $ | 14 |
Construction and Land Development |
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost basis |  |  | Revolving loans converted to term loans |  |  |  |
As of December 31, 2025 |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,031,215 |  |  | $ | 992,846 |  |  | $ | 693,752 |  |  | $ | 401,811 |  |  | $ | 65,460 |  |  | $ | 27,716 |  |  | $ | 305,750 |  |  | $ | 0 |  |  | $ | 3,518,550 |
Special Mention |  |  | 0 |  |  |  | 2,827 |  |  |  | 30,509 |  |  |  | 0 |  |  |  | 4,208 |  |  |  | 8,281 |  |  |  | 0 |  |  |  | 0 |  |  |  | 45,825 |
Substandard |  |  | 541 |  |  |  | 0 |  |  |  | 4,468 |  |  |  | 34 |  |  |  | 0 |  |  |  | 1,484 |  |  |  | 0 |  |  |  | 0 |  |  |  | 6,527 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 1,031,756 |  |  | $ | 995,673 |  |  | $ | 728,729 |  |  | $ | 401,845 |  |  | $ | 69,668 |  |  | $ | 37,481 |  |  | $ | 305,750 |  |  | $ | 0 |  |  | $ | 3,570,902 |
Current-period charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | (141 | ) |  |  | 0 |  |  |  | (103 | ) |  |  | (164 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (408 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 225 |  |  |  | 0 |  |  |  | 0 |  |  |  | 225 |
Current-period net (charge-offs) recoveries |  | $ | 0 |  |  | $ | 0 |  |  | $ | (141 | ) |  | $ | 0 |  |  | $ | (103 | ) |  | $ | 61 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (183 | )
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost basis |  |  | Revolving loans converted to term loans |  |  |  |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 628,186 |  |  | $ | 837,662 |  |  | $ | 1,253,480 |  |  | $ | 426,662 |  |  | $ | 18,559 |  |  | $ | 18,542 |  |  | $ | 302,302 |  |  | $ | 0 |  |  | $ | 3,485,393 |
Special Mention |  |  | 0 |  |  |  | 0 |  |  |  | 1,455 |  |  |  | 18,356 |  |  |  | 57 |  |  |  | 153 |  |  |  | 0 |  |  |  | 0 |  |  |  | 20,021 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 200 |  |  |  | 1,607 |  |  |  | 1,813 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,620 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 628,186 |  |  | $ | 837,662 |  |  | $ | 1,254,935 |  |  | $ | 445,218 |  |  | $ | 20,223 |  |  | $ | 20,508 |  |  | $ | 302,302 |  |  | $ | 0 |  |  | $ | 3,509,034 |
Current-period charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (29 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (29 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 319 |  |  |  | 0 |  |  |  | 0 |  |  |  | 319 |
Current-period net recoveries |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 290 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 290 |
Bankcard |
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost |  |  | Revolving loans converted to |  |  |  |
As of December 31, 2025 |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | basis |  |  | term loans |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 9,603 |  |  | $ | 0 |  |  | $ | 9,603 |
Special Mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 28 |  |  |  | 0 |  |  |  | 28 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 55 |  |  |  | 0 |  |  |  | 55 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 9,686 |  |  | $ | 0 |  |  | $ | 9,686 |
Current-period charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (320 | ) |  |  | 0 |  |  |  | (320 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 55 |  |  |  | 0 |  |  |  | 55 |
Current-period net charge-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (265 | ) |  | $ | 0 |  |  | $ | (265 | )
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost |  |  | Revolving loans converted to |  |  |  |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | basis |  |  | term loans |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 9,874 |  |  | $ | 0 |  |  | $ | 9,874 |
Special Mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 63 |  |  |  | 0 |  |  |  | 63 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 61 |  |  |  | 0 |  |  |  | 61 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 9,998 |  |  | $ | 0 |  |  | $ | 9,998 |
Current-period charge-offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | (431 | ) |  |  | 0 |  |  |  | (431 | )
Current-period recoveries |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 19 |  |  |  | 0 |  |  |  | 19 |
Current-period net charge-offs |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (412 | ) |  | $ | 0 |  |  | $ | (412 | )
Other Consumer |
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost |  |  | Revolving loans converted to |  |  |  |
As of December 31, 2025 |  | 2025 |  |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | Prior |  |  | basis |  |  | term loans |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 346,057 |  |  | $ | 90,623 |  |  | $ | 79,353 |  |  | $ | 157,220 |  |  | $ | 57,987 |  |  | $ | 18,929 |  |  | $ | 2,104 |  |  | $ | 0 |  |  | $ | 752,273 |
Special Mention |  |  | 682 |  |  |  | 446 |  |  |  | 821 |  |  |  | 6,741 |  |  |  | 3,794 |  |  |  | 1,171 |  |  |  | 13 |  |  |  | 0 |  |  |  | 13,668 |
Substandard |  |  | 221 |  |  |  | 57 |  |  |  | 88 |  |  |  | 617 |  |  |  | 464 |  |  |  | 101 |  |  |  | 7 |  |  |  | 0 |  |  |  | 1,555 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 346,960 |  |  | $ | 91,126 |  |  | $ | 80,262 |  |  | $ | 164,578 |  |  | $ | 62,245 |  |  | $ | 20,201 |  |  | $ | 2,124 |  |  | $ | 0 |  |  | $ | 767,496 |
Current-period charge-offs |  |  | (15 | ) |  |  | (185 | ) |  |  | (507 | ) |  |  | (4,547 | ) |  |  | (1,698 | ) |  |  | (783 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (7,735 | )
Current-period recoveries |  |  | 0 |  |  |  | 7 |  |  |  | 78 |  |  |  | 642 |  |  |  | 273 |  |  |  | 429 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,429 |
Current-period net charge-offs |  | $ | (15 | ) |  | $ | (178 | ) |  | $ | (429 | ) |  | $ | (3,905 | ) |  | $ | (1,425 | ) |  | $ | (354 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | (6,306 | )
(In thousands) |  | Term Loans Origination Year |  |  | Revolving loans amortized cost |  |  | Revolving loans converted to |  |  |  |
As of December 31, 2024 |  | 2024 |  |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | Prior |  |  | basis |  |  | term loans |  |  | Total |
Internal Risk Grade: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 139,908 |  |  | $ | 131,108 |  |  | $ | 276,041 |  |  | $ | 118,478 |  |  | $ | 49,553 |  |  | $ | 22,913 |  |  | $ | 2,215 |  |  | $ | 0 |  |  | $ | 740,216 |
Special Mention |  |  | 495 |  |  |  | 1,805 |  |  |  | 13,462 |  |  |  | 8,485 |  |  |  | 2,704 |  |  |  | 1,440 |  |  |  | 23 |  |  |  | 0 |  |  |  | 28,414 |
Substandard |  |  | 76 |  |  |  | 182 |  |  |  | 2,454 |  |  |  | 1,106 |  |  |  | 358 |  |  |  | 261 |  |  |  | 10 |  |  |  | 0 |  |  |  | 4,447 |
Doubtful |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 140,479 |  |  | $ | 133,095 |  |  | $ | 291,957 |  |  | $ | 128,069 |  |  | $ | 52,615 |  |  | $ | 24,614 |  |  | $ | 2,248 |  |  | $ | 0 |  |  | $ | 773,077 |
Current-period charge-offs |  |  | (28 | ) |  |  | (206 | ) |  |  | (5,724 | ) |  |  | (3,096 | ) |  |  | (869 | ) |  |  | (380 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (10,303 | )
Current-period recoveries |  |  | 0 |  |  |  | 21 |  |  |  | 402 |  |  |  | 241 |  |  |  | 125 |  |  |  | 330 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,119 |
Current-period net charge-offs |  | $ | (28 | ) |  | $ | (185 | ) |  | $ | (5,322 | ) |  | $ | (2,855 | ) |  | $ | (744 | ) |  | $ | (50 | ) |  | $ | 0 |  |  | $ | 0 |  |  | $ | (9,184 | )

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- Definition This disclosure presents quantitative and qualitative information about the credit quality of a portfolio of financing receivables, by class, including an analysis of the age of financing receivables that are past due, on nonaccrual status, impaired, and modified as of the end of the reporting period. + References No definition available. + Details
Name: | ubsi_CreditQualityTextBlock
Namespace Prefix: | ubsi_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

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- References No definition available. + Details
Name: | us-gaap_TextBlockAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration