United Bankshares, Inc. (United) is a financial holding company. The Company operates through its banking subsidiary, United Bank (the Bank). United Bank offers a range of commercial and retail banking services and products. The Company also owns nonbank subsidiaries, which is engaged in other community banking services such as asset management, real property title insurance, financial planning, mortgage banking, and brokerage services. Its loan portfolio comprises of commercial, real estate and consumer loans, including credit card and home equity loans. The Bank’s core deposits include certain demand deposits, savings and negotiable order of withdrawal (NOW) accounts. United has commercial loans, including real estate and owner-occupied, income-producing real estate and land development loans. It also offers retirement accounts, safe deposit boxes, wire transfers, and other standard banking products and services.