GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

UBSI · Dec 31, 2022

UNITED BANKSHARES INC/WV. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001193125-23-056045Bank
Sequential deposit growth0thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-2.45% · CORE · VALID

Net-income growth50thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

3.23% · CORE · VALID

Interest-expense growth100thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

101.51% · CORE · VALID

Interest-income growth85thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

26.02% · CORE · VALID

Cash and equivalents38thOwn-history percentile · N=8
Evidence method

Level · gp.fundamentals.cash

$1.2B · CORE · VALID

Sequential loan growth90thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

4.33% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History41 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Decreased
Previous
-0.71%
Current
-2.45%
Delta
-1.74%
Earnings Growth Decreased
Previous
11.32%
Current
3.23%
Delta
-8.09%
Funding Cost Growth Increased
Previous
84.47%
Current
101.51%
Delta
17.04%
Interest Income Growth Decreased
Previous
35.86%
Current
26.02%
Delta
-9.85%
Liquidity Decreased
Previous
$1.4B
Current
$1.2B
Delta
-$179.7M
Loan Growth Increased
Previous
3.86%
Current
4.33%
Delta
0.47%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.