United Bankshares, Inc.: Update to credit analysis
Our credit view of this issuer reflects its consistent earnings generation and solid capital levels compared to U.S. rated peers, offset by its CRE concentrated lending model.United Bankshares is a financial holding company. Through its banking subsidiary, United Bank, the company provides a range of commercial and retail banking services and products. The company operates in two business segments: community banking and mortgage banking. Through its community banking segment, the company provides range of banking products and services through various delivery channels. The mortgage banking segment engages primarily in the origination and acquisition of residential mortgages for sale into the secondary market though George Mason Mortgage, LLC, an indirectly owned subsidiary of the company
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