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United Bankshares UBSI FDIC assessments

FDIC assessments at other companies

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$3.75M-0.9%
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$2.9M+24.4%
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$1.84M+4.2%
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Truist FinancialTFC

Other financials

Income statement

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Revenue$323.8M+5.8%
Net income$131.4M+8.8%
EPS (diluted)$0.95+11.8%

Balance sheet

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Cash & equivalents$2.1B-10.1%
Total debt$549.4M-1.7%
Total equity$5.5B+2.7%
Total assets$33.8B+3.0%

Cash flow

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Operating cash flow$105.2M+17.7%
CapEx$7.2M+71.7%
Free cash flow$98.0M+15.0%

Valuation

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Market cap$6.62B+30.2%
Enterprise value$5.09B+52.9%
P/E12.8×0.0×
P/S5.2×+0.6×

Profitability

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Net margin40.2%+4.9pp
FCF margin41.6%+0.8pp

Returns & leverage

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Return on equity9.5%+1.8pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by United Bankshares in its filing.

Tagged under the XBRL concept us-gaap:FederalDepositInsuranceCorporationPremiumExpense.

The source filing: United Bankshares’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 11:11 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-339565
(Dollars in thousands, except per share data)Three Months Ended June 30 / 2026Three Months Ended June 30 / 2025Six Months Ended June 30 / 2026Six Months Ended June 30 / 2025
Equipment expense9,4358,55118,17517,133
Data processing expense7,1487,95214,14916,407
Bankcard processing expense6315881,2541,188
FDIC insurance expense4,5504,5329,0269,260
Other expense36,44537,25775,45881,696
Total other expense154,715148,020307,529301,593
Income before income taxes164,142152,088320,130259,021
Income taxes32,76531,36764,55353,994

Item 1. FINANCIAL STATEMENTS (UNAUDITED)

FAQ

What is United Bankshares's FDIC assessments?
United Bankshares (UBSI) reported FDIC assessments of $4.55M in Q2 2026.
How has United Bankshares's FDIC assessments changed year-over-year?
United Bankshares's FDIC assessments increased by 0.4% year-over-year, from $4.53M to $4.55M.
What is the long-term trend for United Bankshares's FDIC assessments?
Over 4 years (2021 to 2025), United Bankshares's FDIC assessments has grown at a 19.5% compound annual growth rate (CAGR), from $8.35M to $17.02M.
What does FDIC assessments mean?
This metric represents the mandatory insurance premiums paid by the bank to the Federal Deposit Insurance Corporation to protect customer deposits. These assessments are based on the bank's total deposit base and risk profile as determined by regulatory standards. It serves as a critical indicator of the regulatory cost of maintaining a stable deposit-funded balance sheet.

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