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

UBSI · Sep 30, 2023

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

Filing0001193125-23-274243Bank
Sequential deposit growth65thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

1.37% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

-6.27% · CORE · VALID

Interest-expense growth90thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

457.03% · CORE · VALID

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

Yoy · gp.financial.interest_income

35.36% · CORE · VALID

Cash and equivalents36thOwn-history percentile · N=11
Evidence method

Level · gp.fundamentals.cash

$1.2B · CORE · VALID

Sequential loan growth70thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.61% · 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 Increased
Previous
0.38%
Current
1.37%
Delta
0.99%
Earnings Growth Decreased
Previous
-3.30%
Current
-6.27%
Delta
-2.97%
Funding Cost Growth Decreased
Previous
820.66%
Current
457.03%
Delta
-363.63%
Interest Income Growth Decreased
Previous
51.88%
Current
35.36%
Delta
-16.52%
Liquidity Decreased
Previous
$1.7B
Current
$1.2B
Delta
-$508.3M
Loan Growth Increased
Previous
0.70%
Current
1.61%
Delta
0.91%
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.