United Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

United Bankshares, Inc., with dual headquarters in Washington, DC and Charleston, WV, is a bank holding company with full service banking offices in West Virginia, Virginia, Washington, DC, Maryland, Ohio, and Pennsylvania. United Bankshares stock is traded on the NASDAQ National Market System under the quotation symbol "UBSI".

United Bank listen to your needs and create a package of lending and credit options to make your dreams a reality. You can use the equity in your home to finance improvements, pay tuition, consolidate debt or make major purchases. United Bank offers both fixed and variable rates for home equity loans and lines of credit. The interest may be tax deductible, so consult your tax advisor for more detail.

Monday-Friday 8:30 a.m.–5:00 p.m.
Saturday 9:00 a.m.–1:00 p.m.

Online Banking Support: 24/7 1.800.327.9862
Retail Call Center: 1.800.327.9862

Report Lost or Stolen Cards
Check Cards/ATM Cards - 1.800.724.3259
Credit Cards - 1.800.242.7600

Telebanc Telephone Access to Your Account Information
1.877.334.4646