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Income Taxes (Tables) | 12 Months Ended
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Dec. 31, 2025
Income Tax Disclosure [Abstract] |
Income Tax Provisions Included in the Consolidated Statements of Income | The income tax provisions included in the consolidated statements of income are summarized as follows:
|  | Year Ended December 31 |
(In thousands) |  | 2025 |  |  | 2024 |  |  | 2023 |
Current expense: |  |  |  |  |  |  |  |  |  |  |  |
Federal |  | $ | 85,133 |  |  | $ | 77,347 |  |  | $ | 84,441 |
State and local |  |  | 17,019 |  |  |  | 17,604 |  |  |  | 15,972 |
Total current income tax expense |  |  | 102,152 |  |  |  | 94,951 |  |  |  | 100,413 |
Deferred expense (benefit): |  |  |  |  |  |  |  |  |  |  |  |
Federal |  |  | 11,764 |  |  |  | 334 |  |  |  | (2,053 | )
State and local |  |  | 4,881 |  |  |  | (3,702 | ) |  |  | (868 | )
Total deferred income tax expense (benefit) |  |  | 16,645 |  |  |  | (3,368 | ) |  |  | (2,921 | )
Total income tax expense: |  | $ | 118,797 |  |  | $ | 91,583 |  |  | $ | 97,492 |
Reconciliation of Income Tax Expense to the Amount Computed by Applying the Statutory Federal Income Tax Rate | The following is a reconciliation of income tax expense to the amount computed by applying the statutory federal income tax rate to income before income taxes:
|  | Year Ended December 31 |
(Dollars in thousands) |  | 2025 |  |  | 2024 |  |  | 2023 |
|  | Amount |  |  | % |  |  | Amount |  |  | % |  |  | Amount |  |  | % |
Tax on income before taxes at statutory federal rate |  | $ | 122,514 |  |  |  | 21.0 | % |  | $ | 97,562 |  |  |  | 21.0 | % |  | $ | 97,399 |  |  |  | 21.0 | %
State and local income taxes net of federal tax benefits (1) |  |  | 17,137 |  |  |  | 2.9 |  |  |  | 13,591 |  |  |  | 2.9 |  |  |  | 11,847 |  |  |  | 2.6 |
Domestic Federal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Tax Credits |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Low income housing |  |  | (19,030 | ) |  |  | (3.3 | ) |  |  | (15,814 | ) |  |  | (3.4 | ) |  |  | (13,557 | ) |  |  | (2.9 | )
Other |  |  | (1,303 | ) |  |  | (0.2 | ) |  |  | (706 | ) |  |  | (0.1 | ) |  |  | (1,639 | ) |  |  | (0.4 | )
Nontaxable and nondeductible items |  |  | (2,301 | ) |  |  | (0.4 | ) |  |  | (2,439 | ) |  |  | (0.5 | ) |  |  | (2,974 | ) |  |  | (0.6 | )
Other |  |  | 1,780 |  |  |  | 0.4 |  |  |  | (611 | ) |  |  | (0.2 | ) |  |  | 6,416 |  |  |  | 1.3 |
Total income tax expense |  | $ | 118,797 |  |  |  | 20.4 | % |  | $ | 91,583 |  |  |  | 19.7 | % |  | $ | 97,492 |  |  |  | 21.0 | %
(1) | State taxes in West Virginia and Maryland made up the majority (greater than 50 percent) of the tax effect in this category.
Components of United's Deferred Tax Assets and Liabilities | Significant components of United’s deferred tax assets and liabilities (included in other assets in the Consolidated Balance Sheets) at December 31, 2025 and 2024 are as follows:
(In thousands) |  | 2025 |  |  | 2024 |
Deferred tax assets: |  |  |  |  |  |  |  |
Allowance for credit losses |  | $ | 79,490 |  |  | $ | 73,315 |
Accrued benefits payable |  |  | 16,514 |  |  |  | 20,256 |
Other accrued liabilities |  |  | 603 |  |  |  | 1,857 |
Unrealized loss on securities available for sale |  |  | 49,091 |  |  |  | 77,189 |
Other real estate owned |  |  | 122 |  |  |  | 127 |
Lease liabilities under operating leases |  |  | 22,799 |  |  |  | 20,738 |
(In thousands) |  | 2025 |  |  | 2024 |
Net operating loss carryforwards |  |  | 2,724 |  |  |  | 0 |
Purchase accounting intangibles |  |  | 1,159 |  |  |  | 0 |
Income tax credit carryforward |  |  | 1,406 |  |  |  | 4,415 |
Deferred mortgage points |  |  | 1,465 |  |  |  | 425 |
Total deferred tax assets |  |  | 175,373 |  |  |  | 198,322 |
Deferred tax liabilities: |  |  |  |  |  |  |  |
Premises and equipment |  |  | 8,937 |  |  |  | 8,307 |
Right-of-use assets under operating leases |  |  | 21,345 |  |  |  | 19,536 |
Pension plan accruals |  |  | 13,050 |  |  |  | 10,743 |
Derivatives |  |  | 7,367 |  |  |  | 10,487 |
Purchase accounting intangibles |  |  | 0 |  |  |  | 6,626 |
Other |  |  | 1,584 |  |  |  | 1,063 |
Total deferred tax liabilities |  |  | 52,283 |  |  |  | 56,762 |
Net deferred tax assets |  | $ | 123,090 |  |  | $ | 141,560 |
Reconciliation of the Total Amounts of Unrecognized Tax Benefits | Below is a reconciliation of the total amounts of unrecognized tax benefits:
|  | December 31 |
(In thousands) |  | 2025 |  |  | 2024 |
Unrecognized tax benefits at beginning of year |  | $ | 2,144 |  |  | $ | 2,599 |
Increase in unrecognized tax benefits as a result of tax positions taken during the current period |  |  | 956 |  |  |  | 323 |
Decreases in the unrecognized tax benefits as a result of a lapse of the applicable statute of limitations |  |  | (2,144 | ) |  |  | (778 | )
Unrecognized tax benefits at end of year |  | $ | 956 |  |  | $ | 2,144 |
Disaggregation Of Income Taxes Paid Net Of Refunds [Table Text Block] | The following presents a disaggregation of income taxes paid, net of refunds:
|  | Year Ended December 31 |
(Dollars in thousands) |  | 2025 |  |  | 2024 |  |  | 2023 |
Federal |  | $ | 89,800 |  |  | $ | 70,407 |  |  | $ | 89,500 |
State and local |  |  | 24,663 | (1) |  |  | 15,814 | (2) |  |  | 15,960 | (3)
Total income taxes paid, net of refunds (4) |  | $ | 114,463 |  |  | $ | 86,221 |  |  | $ | 105,460 |
(1) | For the year ended December 31, 2025, income taxes paid to West Virginia of $9,000 and Maryland of $5,950 exceeded 5% of total income taxes paid.
(2) | For the year ended December 31, 2024, income taxes paid to Maryland of $6,150 exceeded 5% of total income taxes paid.
(3) | For the year ended December 31, 2023, income taxes paid to West Virginia of $6,851 exceeded 5% of total income taxes paid.
(4) | Income taxes paid, net of refunds includes amounts paid to third parties for purchases of transferable tax credits of $11,680 in 2025 and $1,636 in 2024.

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