Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2025

United’s and United Bank’s capital amounts (in thousands of dollars) and ratios are presented in the following table.


(Dollars in thousands)	Actual					For Capital Adequacy Purposeas					To Be Well- Capitalized
	Amount		Ratio			Amount		Ratio			Amount		Ratio
As of December 31, 2025:
Total Capital (to Risk- Weighted Assets):
United Bankshares	$	4,191,144		15.7	%	$	2,133,353	≥	8.0	%	$	2,666,691	≥	10.0	%
United Bank		3,967,217		15.0	%		2,122,625	≥	8.0	%		2,653,281	≥	10.0	%
Tier I Capital (to Risk- Weighted Assets):
United Bankshares	$	3,583,795		13.4	%	$	1,600,014	≥	6.0	%	$	2,133,353	≥	8.0	%
United Bank		3,647,868		13.8	%		1,591,968	≥	6.0	%		2,122,625	≥	8.0	%
Common Tier I Capital (to Risk Weighted Assets):
United Bankshares	$	3,583,795		13.4	%	$	1,200,011	≥	4.5	%	$	1,733,349	≥	6.5	%
United Bank		3,647,868		13.8	%		1,193,976	≥	4.5	%		1,724,632	≥	6.5	%
Tier I Capital (to Average Assets):
United Bankshares	$	3,583,795		11.3	%	$	1,270,832	≥	4.0	%	$	1,588,540	≥	5.0	%
United Bank		3,647,868		11.5	%		1,265,588	≥	4.0	%		1,581,985	≥	5.0	%
As of December 31, 2024: Total Capital (to Risk- Weighted Assets):
United Bankshares	$	3,897,755		16.5	%	$	1,887,433	≥	8.0	%	$	2,359,292	≥	10.0	%
United Bank		3,620,657		15.4	%		1,877,704	≥	8.0	%		2,347,131	≥	10.0	%
Tier I Capital (to Risk- Weighted Assets):
United Bankshares	$	3,335,667		14.1	%	$	1,415,575	≥	6.0	%	$	1,887,433	≥	8.0	%
United Bank		3,348,071		14.3	%		1,408,278	≥	6.0	%		1,877,704	≥	8.0	%
Common Tier I Capital (to Risk Weighted Assets):
United Bankshares	$	3,335,667		14.1	%	$	1,061,681	≥	4.5	%	$	1,533,540	≥	6.5	%
United Bank		3,348,071		14.3	%		1,056,209	≥	4.5	%		1,525,635	≥	6.5	%
Tier I Capital (to Average Assets):
United Bankshares	$	3,335,667		11.7	%	$	1,136,661	≥	4.0	%	$	1,420,827	≥	5.0	%
United Bank		3,348,071		11.8	%		1,132,023	≥	4.0	%		1,415,029	≥	5.0	%