MEDIUMBuilt-inLoan_portfolio
48.16%
real estate and construction loans
“10-K Item 1: 'approximately $11.9 billion or 48.16% of United's total loan portfolio were for real estate and construction'”
UBSI · Concentration risk · 10-K extracted
United Bankshares (UBSI) concentration risks
Updated
The most significant concentration United Bankshares discloses is real estate and construction loans at 48.16%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: United Bankshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 1 disclosed concentration
HIGH0
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's disclosed concentration profile rests on a single loan-portfolio exposure: approximately $11.9 billion, or 48.16% of the total loan portfolio, consisted of real estate and construction loans as of the most recent reporting date. By disclosed size this is a medium-share concentration, and its character is structural — real estate and construction lending is a deliberate and longstanding strategic focus for a community bank serving the Mid-Atlantic and Southeast markets, rather than an accidental accumulation of exposure in a narrow segment. The practical implication of this structural concentration is that the company's credit quality and net charge-off trajectory are meaningfully correlated with regional real estate market conditions, interest-rate cycles (which affect both property values and borrower debt-service capacity), and construction activity in its geographic footprint. Unlike single-name or single-counterparty concentrations, real estate portfolio concentration tends to be diversified across many individual borrowers and property types, which limits idiosyncratic risk — but macroeconomic or regional credit cycles can affect large portions of the book simultaneously. No customer, geographic, or counterparty concentration is separately disclosed alongside this. On balance, the concentration surface is narrow and well understood: the real estate and construction loan share is the primary variable worth tracking relative to capital adequacy and reserve levels across different economic scenarios.
For the engine’s reasoning on UBSI’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| UBSI● | United Bankshares, Inc. | 0 | 1 | 0 | 1 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.