Vitals
  • Total Assets
    6.0B 11.6 %
  • Total Deposits
    4.8B 9.2 %
  • Total Net Loans
    4.9B 11.4 %
  • Net Income
    59.5M 6.2 %
  • Book Value
    643.1M 6.9 %
  • Book Value x2
    1.3B 6.9 %
  • Book Value x3
    1.9B 6.9 %
ROAA

1.039

ROAE

9.608

Efficiency Ratio

52.057

Net Interest Margin

3.401

Balance Sheet Highlights
Financial Highlights United Bank All Insured Commercial Banks in West Virginia
Balance Sheet $(000)
Total Assets 5,969,150 360,672
Total Net Loans 4,918,057 251,469
Total Deposits 4,769,331 299,214
Total Equity 643,243 38,258
Profitability
Net Income 59,537 3,285
Return on Average Assets 1.039 .706
Return on Average Equity 9.608 6.418
Net Interest Margin 3.401 3.744
Efficiency Ratio 52.057 72.606
Noninterest Income/Revenue 20.301 20.548
Balance Sheet Ratios
Loan-to-Deposit 103.118 76.49
Securities/Assets .068 .175
Total Equity/Total Assets .108 .106
Tangible Equity/Tangible Assets .094 .096
Capital Adequacy
Tier 1 Common Capital 590,530 35,874
Tier 1 Capital 590,530 36,036
Tier 2 Capital 48,226 2,393
Total Capital 638,756 38,423
Total Risk Weighted Assets 5,233,749 244,928
Leverage Ratio 9.84 10.924
Common Equity Tier 1 Capital Ratio 11.28 18.341
Tier 1 Capital Ratio 11.28 18.347
Total Capital Ratio 12.2 19.449

Timeline for United Bank

Centra Bank, Inc.

Acquisition: United Bank acquired a new subsidiary, Centra Bank, Inc., 12 years

View Profile Apr 21 2012

Premier Bank, Inc.

Acquisition: United Bank acquired a new subsidiary, Premier Bank, Inc., 16 years

View Profile Jul 14 2007

Ubc Investment Co. Llc

Ubc Investment Co. Llc became a new subsidiary organization for United Bank.

View Profile Dec 21 2001

United Asset Management Corp.

United Asset Management Corp. became a new subsidiary organization for United Bank.

View Profile Dec 20 2001

Fed One Bank

Acquisition: United Bank acquired a new subsidiary, Fed One Bank, 25 years

View Profile Oct 17 1998

Want to see more?

Complete timeline for United Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Centra Bank, Inc. Seller 1,322,857 Pooling of Interests Discontinued 4/21/2012
Premier Bank, Inc. Seller 47,408 Acquisition Discontinued 7/14/2007
Fed One Bank Seller 362,776 Pooling of Interests Discontinued 10/17/1998
First Empire Federal Savings And Loan Association Seller 396,425 Pooling of Interests Discontinued 4/13/1996
United National Bank - South Seller 185,006 Pooling of Interests Discontinued 1/28/1996
Cb&T-Westover Bank, Inc. Seller 63,156 Discontinued 9/11/1993
First Bank Of Ceredo Seller 141,920 Discontinued 9/1/1993
United National Bank - Central Seller 185,303 Discontinued 1/1/1993
United National Bank - North Seller 185,588 Discontinued 1/1/1993
Montgomery National Bank Seller 89,149 Discontinued 10/21/1992
The First National Bank Of Ripley Seller 73,175 Discontinued 8/28/1989
Ohio Valley National Bank Of Vienna Seller 64,099 Discontinued 7/1/1989
Elk National Bank Seller 27,631 Discontinued 7/1/1989
Kanawha Banking & Trust Company National Association Seller 238,312 Discontinued 12/31/1986
Union Central National Bank Seller 9,990 Discontinued 10/1/1985
United Bank, Inc. Seller 6,997 Discontinued 10/1/1985
Heritage National Bank Seller 32,924 Discontinued 7/1/1985
The Bank Of Dunbar Seller 78,875 Discontinued 10/12/1983
Union Trust National Bank Seller 41,994 Discontinued 12/14/1982
Relationships Role Relationship Start Relationship End
Ubc Holding Company, Inc. Parent 9/1/1993
United Bankshares, Inc. Parent 5/1/1984 8/31/1993
United Asset Management Corp. Subsidary 6/30/2007
Ubc Investment Co. Llc Subsidary 12/21/2001 12/28/2015
United Asset Management Corp. Subsidary 12/20/2001 6/29/2007
United Loan Management Company Subsidary 6/1/1996 12/19/2001
United Brokerage Services, Inc. Subsidary 12/16/1996 12/19/2001
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