United Bankshares Balance Sheet Health
Financial Health criteria checks 6/6
United Bankshares has total assets of $30.0B and total equity of $4.8B. Total deposits are $22.9B, and total loans are $21.3B. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $1.7B.
Key information
6.2x
Asset to equity ratio
3.6%
Net interest margin
Total deposits | US$22.92b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.3% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$1.73b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UNK's Assets to Equity ratio (6.2x) is low.
Allowance for Bad Loans: UNK has a sufficient allowance for bad loans (353%).
Low Risk Liabilities: 91% of UNK's liabilities are made up of primarily low risk sources of funding.
Loan Level: UNK has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: UNK's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: UNK has an appropriate level of bad loans (0.3%).