United Bankshares Inc. (UBSI) reported a significant asset and deposit base increase following the January 2025 acquisition of Piedmont Bancorp, adding $2.4 billion in assets and extending into the Atlanta metro market. The company consolidated its mortgage origination channels during 2024, exiting third-party origination and integrating under a single United Bank brand, aiming to streamline operations and enhance customer experience. Despite a YoY revenue decline in recent reported figures, UBSI achieved substantial net income growth supported by strong loan portfolio expansions, deposit increases, and prudent capital management including dividends and share repurchases. Risks remain primarily tied to credit performance and broader economic conditions.