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

UBSI · Jun 30, 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

Filing0001193125-22-216047Bank
Sequential deposit growth5thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-1.91% · CORE · VALID

Net-income growth20thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

0.82% · CORE · VALID

Interest-expense growth45thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-5.86% · CORE · VALID

Interest-income growth65thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

13.78% · CORE · VALID

Cash and equivalentsRAWCurrent state valid · history insufficient
Evidence method

Level · gp.fundamentals.cash

$1.7B · CORE · NOT_ENOUGH_HISTORY

Sequential loan growth80thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

3.19% · 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
0.53%
Current
-1.91%
Delta
-2.44%
Earnings Growth Increased
Previous
-23.61%
Current
0.82%
Delta
24.43%
Funding Cost Growth Increased
Previous
-23.16%
Current
-5.86%
Delta
17.30%
Interest Income Growth Increased
Previous
-1.39%
Current
13.78%
Delta
15.17%
Liquidity Decreased
Previous
$2.8B
Current
$1.7B
Delta
-$1.1B
Loan Growth Increased
Previous
2.08%
Current
3.19%
Delta
1.11%
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.