Strength in Numbers

In today's economy, the strength of your banking company shouldn't be in question. At United, we don't just claim to be financially strong - we have the numbers to prove it.

A High Performance Banking Company with a Low-Risk Profile

35 consecutive years of dividend increases for shareholders Ranked 28th out of 150 largest U.S. bank holding companies based on profitability, capital adequacy and credit quality by Bank Director Magazine An investment of $100,000 in 1990 would have been worth $1,049,683 at 2008 year-end, including dividend appreciation

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"United is a well-managed institution that has earned its reputation as one of the top performing regional banks of its size in the country."

~Keefe, Bruyette & Woods, New York, NY

“We continue to view UBSI as one of the better-managed companies, with perhaps one of the most valuable franchises in the Virginia market. In addition, UBSI’s profitability metrics and asset quality compare favorably with peers.”

~Sandler ONeill + Partners, New York, NY

“United Bankshares ... was able to thrive by expanding into growth markets while keeping a conservative balance sheet and maintaining a low percentage of bad loans.”

~ Jaime Peters, Morningstar, Chicago, IL

Highly Rated - Highly Regarded

• Received Moody's Investors Service rating of "Superior Credit Quality" and "Low Credit Risk" (Long-term deposit rating of A2 and short-term deposit rating of Prime-1)

• Ranked the 40^th largest bank holding company based on market capitalization

• Ranked 5^th most efficient among the top 50 bank holding companies based on market capitalization

• Added to Dow Jones U.S. Select Dividend Index, which tracks the top 100 highest dividend-paying U.S. companies derived from the Dow Jones U.S. Index

• Received a 5-star rating from Morningstar, a leading marketing research company

• One of only 31 financial industry stocks in the S&P Small Cap 600 to increase in 2008

Corporate Overview

• United Bankshares, Inc. is an $8.1 billion regional bank holding company

• Headquartered in Charleston, WV and Washington, DC

• 113 full-service offices in West Virginia, Virginia, Maryland, Washington, DC and Ohio

• Founded in 1839 – serving our communities for more than 170 years

• CEO – 40 years with United

• High level of insider ownership – 20%

• Publicly traded on NASDAQ for more than 20 years

• Member of the S&P Small Cap 600 and Russell 2000 Indexes

• Employing 1,500 knowledgeable financial professionals