United Bankshares Inc - Asset Resilience Ratio
United Bankshares Inc (UBSI) has an Asset Resilience Ratio of 9.09% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See United Bankshares Inc current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how United Bankshares Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see UBSI total assets.
Liquid Assets Composition Over Time
This chart breaks down United Bankshares Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore United Bankshares Inc long-term investment allocation to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $3.06 Billion | 9.09% |
| Total Liquid Assets | $3.06 Billion | 9.09% |
Asset Resilience Insights
- Limited Liquidity: United Bankshares Inc maintains only 9.09% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
United Bankshares Inc Industry Peers by Asset Resilience Ratio
Compare United Bankshares Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for United Bankshares Inc (2000–2025)
The table below shows the annual Asset Resilience Ratio data for United Bankshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 9.09% | $3.06 Billion | $33.66 Billion | +8.22pp |
| 2024-12-31 | 0.87% | $261.46 Million | $30.02 Billion | -11.78pp |
| 2023-12-31 | 12.65% | $3.79 Billion | $29.93 Billion | -2.75pp |
| 2022-12-31 | 15.40% | $4.54 Billion | $29.49 Billion | +1.62pp |
| 2021-12-31 | 13.78% | $4.04 Billion | $29.33 Billion | +2.50pp |
| 2020-12-31 | 11.28% | $2.95 Billion | $26.18 Billion | -1.12pp |
| 2019-12-31 | 12.40% | $2.44 Billion | $19.66 Billion | +0.26pp |
| 2018-12-31 | 12.14% | $2.34 Billion | $19.25 Billion | +2.23pp |
| 2017-12-31 | 9.91% | $1.89 Billion | $19.06 Billion | +1.23pp |
| 2016-12-31 | 8.68% | $1.26 Billion | $14.51 Billion | +0.20pp |
| 2015-12-31 | 8.48% | $1.07 Billion | $12.58 Billion | -1.10pp |
| 2014-12-31 | 9.57% | $1.18 Billion | $12.33 Billion | +0.70pp |
| 2013-12-31 | 8.88% | $775.28 Million | $8.74 Billion | +1.45pp |
| 2012-12-31 | 7.43% | $625.62 Million | $8.42 Billion | -0.81pp |
| 2011-12-31 | 8.24% | $696.52 Million | $8.45 Billion | +7.20pp |
| 2010-12-31 | 1.04% | $74.40 Million | $7.16 Billion | +0.04pp |
| 2009-12-31 | 1.00% | $77.72 Million | $7.81 Billion | -12.54pp |
| 2008-12-31 | 13.54% | $1.10 Billion | $8.10 Billion | -0.93pp |
| 2007-12-31 | 14.47% | $1.16 Billion | $7.99 Billion | -1.36pp |
| 2006-12-31 | 15.83% | $1.06 Billion | $6.72 Billion | -3.12pp |
| 2005-12-31 | 18.94% | $1.27 Billion | $6.73 Billion | -0.90pp |
| 2004-12-31 | 19.84% | $1.28 Billion | $6.44 Billion | -0.01pp |
| 2003-12-31 | 19.86% | $1.27 Billion | $6.38 Billion | +2.21pp |
| 2002-12-31 | 17.65% | $1.02 Billion | $5.79 Billion | +17.62pp |
| 2001-12-31 | 0.03% | $1.54 Million | $5.63 Billion | -0.01pp |
| 2000-12-31 | 0.04% | $2.01 Million | $4.90 Billion | -- |
About United Bankshares Inc
United Bankshares, Inc., through its subsidiaries, provides commercial and retail banking products and services in the United States. The company accepts checking, savings, and time and money market accounts; individual retirement accounts; and demand deposits, statement and special savings, and NOW accounts. Its loan products include commercial loans and leases to small to mid-size industrial an… Read more