# United Bankshares competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/united-bankshares/competitors
Last updated: Oct 20, 2026

*Part of the [United Bankshares AI strategy profile](https://www.bankingnewsai.com/banks/united-bankshares). Peer group: Atlantic Union Bankshares, WesBanco, F.N.B. Corporation, SouthState Bank, United Community Banks, Ameris Bancorp, Fulton Financial Corporation, TowneBank.*

## Who are United Bankshares's competitors, and what are the alternatives?

United's 2025 10-K, filed February 27, 2026, says it faces 'a high degree of competition in all of the markets it serves' for deposits, loans and trust and investment clients, from commercial banks and from savings institutions, credit unions, consumer finance companies, securities firms, private equity and debt funds, brokerages and 'financial/wealth technology firms'. Its 237 offices run from West Virginia through Virginia, Maryland and Washington, D.C. to the Carolinas, Atlanta, Pennsylvania and Ohio. In West Virginia it is the largest bank by deposits with 14.6%, ahead of Truist (12.6%), WesBanco (9.1%), City Holding (7.3%) and Huntington (5.6%) (FDIC, June 30, 2025). In the Washington, D.C. metro, where its 100 Virginia, Maryland and D.C. offices are concentrated, it ranks 7th with 3.3%, behind Capital One (23.3%), Bank of America (16.0%), Truist (12.6%), Wells Fargo (10.9%), PNC (5.2%) and Atlantic Union (4.2%). In Atlanta, entered through Piedmont in January 2025, it holds 0.5% against Truist's 24.0%. The 10-K singles out fintechs and wealthtechs as the fastest-growing rivals, some of which have applied for bank charters or partner with banks to offer deposits; Chime, with 10.4 million active members, and Robinhood, with 28.4 million funded customers, are the clearest examples. It is now expanding into Florida with a Palm Beach office. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [United Bankshares](https://bankwithunited.com/news/mergers-acquisitions/united-bankshares-inc-completes-acquisition-of-piedmont-bancorp-inc.html), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm), [Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion))

## What does United Bank say about its competition?

"United faces a high degree of competition in all of the markets it serves. We face strong competition in gathering deposits, making loans and obtaining client assets for management by our investment or trust operations. United considers all of West Virginia to be included in its market area." The section goes on to list United's Virginia, Maryland, Washington, D.C., South Carolina, North Carolina and Atlanta markets, and adds: "With prior regulatory approval, Virginia banks are permitted unlimited branch banking throughout each state. In addition, interstate acquisitions of and by Virginia banks and bank holding companies are permissible on a reciprocal basis, as well as reciprocal interstate acquisitions by thrift institutions. These conditions serve to intensify competition within United's market." ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm))

"As of December 31, 2025, there were 61 bank holding companies operating in the State of West Virginia registered with the Federal Reserve System and the West Virginia Board of Banking and Financial Institutions, 93 bank holding companies operating in the Commonwealth of Virginia ... 64 bank holding companies operating in the State of North Carolina ... 66 bank holding companies operating in the State of South Carolina ... and 158 bank holding companies operating in the State of Georgia ... These holding companies are headquartered in various states and control banks throughout West Virginia, Virginia, North Carolina, South Carolina and Georgia, which compete for business as well as for the acquisition of additional banks." ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm))

From the risk factor "United operates in a highly competitive market": "There is significant competition among commercial banks in our market areas as well as with other providers of financial services, such as savings and loan associations, credit unions, consumer finance companies, securities firms, private equity and debt funds, commercial finance and leasing companies, full service brokerage firms, discount brokerage firms, and financial/wealth technology firms. Some of our competitors have greater resources and, as such, may have higher lending limits and may offer other services that are not provided by us." ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm))

The same risk factor: "In particular, the activity of fintechs/wealthtechs has grown significantly over recent years and is expected to continue to grow. Some fintechs/wealthtechs are not subject to the same regulation as we are, which may allow them to be more competitive. Fintechs/wealthtechs have and may continue to offer bank or bank-like products and a number of such organizations have applied for bank or industrial loan charters while others have partnered with existing banks to allow them to offer deposit products to their customers." (2025 Form 10-K, filed February 27, 2026.) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm))

## Who competes with United Bank in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: West Virginia, Virginia, Maryland, D.C., the Carolinas and Atlanta | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | Second in West Virginia with 12.6% of deposits and 42 branches, third in the Washington, D.C. metro with 12.6% and first in Atlanta with 24.0% (FDIC, June 30, 2025); its 10-K ranks it 3rd in Virginia, 2nd in North Carolina and 3rd in South Carolina. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| Home region: West Virginia, Virginia, Maryland, D.C., the Carolinas and Atlanta | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Bank | Third in West Virginia with 9.1% of deposits and 38 branches (FDIC, June 30, 2025) and a member of United's 2026 proxy peer group. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm)) |
| Home region: West Virginia, Virginia, Maryland, D.C., the Carolinas and Atlanta | City Holding | Bank | Fourth in West Virginia with 7.3% of deposits and 58 branches, more West Virginia branches than United's 48 (FDIC, June 30, 2025). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Home region: West Virginia, Virginia, Maryland, D.C., the Carolinas and Atlanta | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Bank | Holds 5.6% of West Virginia deposits with 26 branches (FDIC, June 30, 2025), and United also serves Ohio counties near the West Virginia border. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) |
| Home region: West Virginia, Virginia, Maryland, D.C., the Carolinas and Atlanta | [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Bank | The largest bank in the Washington, D.C. metro with 23.3% of deposits (FDIC, June 30, 2025), where United's Northern Virginia, Maryland and D.C. offices sit. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) |
| Home region: West Virginia, Virginia, Maryland, D.C., the Carolinas and Atlanta | [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Bank | Holds 4.2% of Washington, D.C. metro deposits with 66 branches against United's 3.3% with 57 (FDIC, June 30, 2025), and is in United's proxy peer group. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm)) |
| Home region: West Virginia, Virginia, Maryland, D.C., the Carolinas and Atlanta | [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | Bank | Holds 3.5% of Atlanta metro deposits with 59 branches, against United's 0.5% with 11 after the Piedmont deal (FDIC, June 30, 2025); added to United's 2026 proxy peer group. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm)) |
| Retail deposits and everyday digital banking | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Second in the Washington, D.C. metro with 16.0% of deposits and 122 branches, and second in Atlanta with 19.6% (FDIC, June 30, 2025); 60 million clients use its digital tools. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Retail deposits and everyday digital banking | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | United's 10-K says fintechs offer bank or bank-like products and partner with banks to offer deposits; Chime, which partners with banks for its accounts and agreed to buy Stride Bank in September 2026, had 10.4 million active members at June 30, 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Retail deposits and everyday digital banking | Credit unions in the footprint | Credit union | United's 10-K lists credit unions among the providers it competes with for deposits and loans. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) |
| Wealth, trust and brokerage | [Robinhood](https://www.bankingnewsai.com/fintech/robinhood) | Broker or asset manager | United's 10-K names discount brokerage firms and 'financial/wealth technology firms' among competitors for client assets; Robinhood had 28.4 million funded customers and $369 billion of platform assets at June 30, 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm)) |
| Wealth, trust and brokerage | [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Broker or asset manager | A full-service brokerage of the kind United's 10-K names; headquartered in Florida, where United opened its Palm Beach office with a wealth team in October 2026. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Raymond James Financial (SEC filings)](https://www.sec.gov/Archives/edgar/data/720005/000072000525000093/rjf-20250930.htm), [Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| Commercial lending | Private equity and debt funds | Non-bank lender | United's 10-K names private equity and debt funds and commercial finance and leasing companies among its competitors, and says some competitors have higher lending limits. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) |
| Commercial lending | [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | Bank | F.N.B. has 355 branches in Pennsylvania, Ohio, Maryland, West Virginia, the Carolinas, Washington, D.C. and Virginia, nearly all of United's states, and is in United's proxy peer group. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm)) |
| Commercial lending | [SouthState](https://www.bankingnewsai.com/banks/southstate) | Bank | A Southeast regional in United's 2025 and 2026 proxy peer groups that operates in South Carolina, North Carolina, Georgia and Virginia, all United markets. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm), [SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm)) |

## How do the AI and digital offerings of United Bank's competitors compare?

United Bank first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [United Bankshares (this page)](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [Index 2 (#116); 8 use cases, 5 in production](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced (Oct 8, 2026) ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist chatbot (12.5 million+ requests from 2023 to March 2026) ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Automation and AI in loan operations, the call center and underwriting (investor deck) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm)) | [Index 26.9 (#92); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/wesbanco) | Q3 2026 investor presentation repeats the AI initiatives (Aug 27, 2026) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| City Holding | Not disclosed | No profile | Not disclosed |
| [Huntington](https://www.bankingnewsai.com/banks/huntington) | AI strategy owned by the CFO, with 50 agents in production ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| [Capital One](https://www.bankingnewsai.com/banks/capital-one) | Eno assistant in the app, by text and email, live since March 2017 ([Capital One](https://www.capitalone.com/digital/tools/eno/)) | [Index 86.9 (#9); 13 use cases, 13 in production](https://www.bankingnewsai.com/banks/capital-one) | Second on the Evident AI index for a fourth year (Oct 6, 2026) ([American Banker](https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens), [Banking Dive](https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/)) |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | A 'fast follower' AI roadmap and automated merger conversion tooling ([Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm), [American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | [Index 53.7 (#52); 12 use cases, 5 in production](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language (Aug 6, 2026) ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | Robotic automation in its insurance premium finance unit ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html)) | [Index 20.7 (#97); 11 use cases, 9 in production](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 10-Q: no AI language; technology cost and premium finance figures (Aug 7, 2026) ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| Credit unions in the footprint | Not disclosed | No profile | Not disclosed |
| [Robinhood](https://www.bankingnewsai.com/fintech/robinhood) | Cortex AI tools: nearly 1 million customers have used Cortex Digests ([U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000061/q12026robinhoodexhibit991.htm)) | [8 use cases, 3 in production](https://www.bankingnewsai.com/fintech/robinhood) | Robinhood Agents, weekend trading and perpetual futures unveiled at HOOD Summit (Sep 29, 2026) ([Robinhood](https://robinhood.com/us/en/newsroom/hood-summit-2026/), [Fortune](https://fortune.com/2026/09/29/robinhood-trading-agents-hood-openai-anthropic/)) |
| [Raymond James](https://www.bankingnewsai.com/banks/raymond-james) | Rai, a proprietary generative-AI operations agent for advisors ([Raymond James](https://raymondjames.com/news-and-media/press-releases/2026/01/27/raymond-james-launches-proprietary-digital-ai-agent-to-bolster-operational-excellence)) | [Index 84.5 (#12); 16 use cases, 14 in production](https://www.bankingnewsai.com/banks/raymond-james) | Meta's Muse reignites the AI selloff (Sep 22, 2026) ([CNBC](https://www.cnbc.com/2026/09/23/metas-muse-ai-causes-schwab-selloff.html)) |
| Private equity and debt funds | Not disclosed | No profile | Not disclosed |
| [F.N.B. Corporation](https://www.bankingnewsai.com/banks/fnb) | 10 AI-enabled fraud tools and Opportunity IQ AI cross-sell ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm)) | [Index 60.2 (#47); 15 use cases, 9 in production](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [SouthState](https://www.bankingnewsai.com/banks/southstate) | 2,500+ premium Copilot users and a GenAI Knowledge Assistant ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | [Index 70.9 (#33); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled (Oct 2, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |

## Who should look beyond United Bank, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI virtual assistant inside the banking app | [Bank of America (Erica), Truist (Truist Assist) or Capital One (Eno)](https://www.bankingnewsai.com/banks/bank-of-america) | United discloses no customer AI assistant. All three banks rank in the top three by deposits in the Washington, D.C. metro; Erica helps more than 24.6 million clients and Truist Assist logged 12.5 million+ requests from 2023 to March 2026. ([United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [Capital One](https://www.capitalone.com/digital/tools/eno/)) |
| Atlanta customers who want a large local branch network | [Truist, Bank of America or Ameris](https://www.bankingnewsai.com/banks/truist) | United entered Atlanta through Piedmont in January 2025 and holds 0.5% of metro deposits with 11 branches. Truist holds 24.0% with 130 branches, Bank of America 19.6% and Ameris 3.5% with 59 (FDIC, June 30, 2025). ([United Bankshares](https://bankwithunited.com/news/mergers-acquisitions/united-bankshares-inc-completes-acquisition-of-piedmont-bancorp-inc.html), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Investors who want self-directed, app-based investing | [Robinhood](https://www.bankingnewsai.com/fintech/robinhood) | United offers trust, investment and brokerage services through its own operations. Robinhood had 28.4 million funded customers at June 30, 2026 and offers Cortex AI tools to its Gold subscribers. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | United is a branch-based bank with 237 offices. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some members can use Jade, its in-app AI financial partner. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |

## Where does United rank in West Virginia, the Washington, D.C. metro and Atlanta?

Computed by this site from the FDIC Summary of Deposits as of June 30, 2025, grouped by holding company.

| Market | United Bankshares | Larger rivals | Next rivals |
| --- | --- | --- | --- |
| West Virginia ($47.1 billion) | 1st: $6.9 billion, 14.6%, 48 branches | None | Truist 12.6%; WesBanco 9.1%; City Holding 7.3%; MVB 5.6%; Huntington 5.6%; Burke & Herbert 4.9%; JPMorgan Chase 4.9% ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Washington-Arlington-Alexandria MSA ($314.7 billion) | 7th: $10.5 billion, 3.3%, 57 branches | Capital One 23.3%; Bank of America 16.0%; Truist 12.6%; Wells Fargo 10.9%; PNC 5.2%; Atlantic Union 4.2% | Citigroup 3.3%; Eagle Bancorp 2.9%; TD 1.9%; M&T 1.8% ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Atlanta-Sandy Springs-Roswell MSA ($246.0 billion) | 18th: $1.3 billion, 0.5%, 11 branches | Truist 24.0%; Bank of America 19.6%; Wells Fargo 15.4%; Synovus 5.8%; JPMorgan Chase 5.3%; Ameris 3.5% | Regions 2.6%; Bank OZK 2.2%; United Community 2.2%; SouthState 1.8% ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |

## Where are United's offices, and who leads in each region?

Office counts from United's 2025 10-K; leaders from the FDIC data above and Truist's 10-K.

| Region | United offices | Leading rival on this page | Source of the ranking |
| --- | --- | --- | --- |
| West Virginia | 48 | United itself (14.6%); Truist second | FDIC, June 30, 2025 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| Virginia, Maryland and Washington, D.C. metro | 100 | Capital One (23.3% of the D.C. metro) | FDIC, June 30, 2025 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |
| North Carolina | 43 | Truist, 2nd by state deposit share | Truist 2025 10-K ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| South Carolina | 25 | Truist, 3rd by state deposit share | Truist 2025 10-K ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| Atlanta | 16 | Truist (24.0% of the metro) | FDIC, June 30, 2025 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000)) |

## Which non-bank rivals does United name, and who fits the description?

United's 2025 10-K is unusually specific about non-bank competition. It says fintechs and wealthtechs have grown significantly, are not subject to the same regulation, offer bank or bank-like products, and that some have applied for bank or industrial loan charters while others partner with banks to offer deposits, and that the growth of digital banking may lead to pricing pressure from low-fee and no-fee products. Chime fits that description: its accounts are held at partner banks, and in September 2026 it agreed to buy one of them, Stride Bank. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank))

On the wealth side the 10-K names discount brokerage firms and financial or wealth technology firms as competitors for client assets. Robinhood had 28.4 million funded customers and $369 billion of platform assets at June 30, 2026, and nearly 1 million customers had used its Cortex Digests by April 2026. United's own wealth push is through trust and investment operations and the wealth team in its new Palm Beach office. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000061/q12026robinhoodexhibit991.htm), [Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion))

## Common questions

### Is Capital One a competitor of United Bank?

Yes, around Washington, D.C., where United's Northern Virginia, Maryland and D.C. offices sit. Capital One holds 23.3% of metro deposits, the most of any bank, against United's 3.3% (FDIC, June 30, 2025). Capital One has run its Eno assistant since 2017; United discloses no customer AI assistant. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Capital One](https://www.capitalone.com/digital/tools/eno/))

### Is WesBanco a competitor of United Bank?

Yes, most directly in West Virginia, where United holds 14.6% of deposits and WesBanco 9.1% with 38 branches (FDIC, June 30, 2025). WesBanco joined United's proxy peer group for 2026, and its investor deck says it is advancing automation and AI in loan operations, the call center and credit underwriting. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm))

### Who competes with United Bank in Atlanta?

Truist (24.0% of metro deposits), Bank of America (19.6%) and Wells Fargo (15.4%) lead, followed by Synovus (5.8%, now part of Pinnacle), JPMorgan Chase (5.3%) and Ameris (3.5%); United holds 0.5% with 11 branches after the Piedmont acquisition (FDIC, June 30, 2025). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [United Bankshares](https://bankwithunited.com/news/mergers-acquisitions/united-bankshares-inc-completes-acquisition-of-piedmont-bancorp-inc.html))

### Is Robinhood a competitor of United Bank?

For investment assets, by category: United's 10-K names discount brokerage firms and financial and wealth technology firms among competitors for client assets, and Robinhood had 28.4 million funded customers at June 30, 2026. Neither company names the other. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [U.S. Securities and Exchange Commission (EDGAR)](https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm))

### Who are United Bankshares' biggest competitors?

Truist is the one rival present across nearly all of United's markets: second in West Virginia, third in the Washington, D.C. metro and first in Atlanta. Others by market are WesBanco and City Holding in West Virginia, Capital One, Bank of America and Atlantic Union around Washington, D.C., and Ameris in Atlanta (FDIC, June 30, 2025). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000))

### Is Truist a competitor of United Bank?

Yes, in almost every United market. Truist holds 12.6% of West Virginia deposits against United's 14.6%, 12.6% of the Washington, D.C. metro against 3.3%, and 24.0% of Atlanta against 0.5% (FDIC, June 30, 2025), and its 10-K ranks it 2nd in North Carolina. Truist also runs the Truist Assist chatbot. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm))

### Does United Bank compete with fintechs?

Its 10-K says so directly: fintechs and wealthtechs have grown significantly, are not subject to the same regulation, offer bank or bank-like products, and some have applied for bank or industrial loan charters or partnered with banks to offer deposits. Chime, with 10.4 million active members, is an example of the bank-partner model. ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### Who competes with United Bank in West Virginia?

United is the largest bank in West Virginia with 14.6% of deposits. Truist (12.6%), WesBanco (9.1%), City Holding (7.3%, with the most branches at 58), MVB Financial and Huntington (5.6% each), Burke & Herbert and JPMorgan Chase (4.9% each) follow (FDIC, June 30, 2025). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000))

### What are alternatives to United Bank in the Washington, D.C. area?

Capital One (23.3% of metro deposits), Bank of America (16.0%), Truist (12.6%) and Wells Fargo (10.9%) all have larger shares and branded AI assistants or digital tools; Atlantic Union (4.2%) is the closest regional alternative. United holds 3.3% with 57 branches (FDIC, June 30, 2025). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000), [Capital One](https://www.capitalone.com/digital/tools/eno/), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm))

### Is United Bank expanding into Florida?

Yes. On October 8, 2026 it announced a de novo office in Palm Beach, pending regulatory approval, led by a market president with a wealth team, and its CEO said future geographic expansion will focus on the Southeast. United already entered Atlanta through the Piedmont acquisition in January 2025. ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion), [United Bankshares](https://bankwithunited.com/news/mergers-acquisitions/united-bankshares-inc-completes-acquisition-of-piedmont-bancorp-inc.html))

## Peers on this site

- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [WesBanco AI strategy](https://www.bankingnewsai.com/banks/wesbanco) · [vs peers](https://www.bankingnewsai.com/banks/wesbanco/vs-peers)
- [F.N.B. Corporation AI strategy](https://www.bankingnewsai.com/banks/fnb) · [vs peers](https://www.bankingnewsai.com/banks/fnb/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [United Community Banks AI strategy](https://www.bankingnewsai.com/banks/united-community) · [vs peers](https://www.bankingnewsai.com/banks/united-community/vs-peers)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [TowneBank AI strategy](https://www.bankingnewsai.com/banks/townebank) · [vs peers](https://www.bankingnewsai.com/banks/townebank/vs-peers)

## Sources

1. United Bankshares, Inc. Form 10-K for 2025 — SEC EDGAR, Feb 27, 2026. https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm
2. FDIC Summary of Deposits: West Virginia, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR:WV%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000
3. FDIC Summary of Deposits: Washington-Arlington-Alexandria MSA, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR:47900%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000
4. FDIC Summary of Deposits: Atlanta-Sandy Springs-Roswell MSA, branch deposits as of June 30, 2025 (BankFind Suite API) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR:12060%20AND%20YEAR:2025&fields=NAMEFULL,DEPSUMBR,NAMEHCR&limit=10000
5. United Bankshares, Inc. Completes Acquisition of Piedmont Bancorp, Inc. — United Bankshares, Jan 10, 2025. https://bankwithunited.com/news/mergers-acquisitions/united-bankshares-inc-completes-acquisition-of-piedmont-bancorp-inc.html
6. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
7. Robinhood Reports Second Quarter 2026 Results (Form 8-K, Exhibit 99.1) — U.S. Securities and Exchange Commission (EDGAR), Jul 29, 2026. https://www.sec.gov/Archives/edgar/data/1783879/000178387926000113/q22026robinhoodexhibit991.htm
8. United Bankshares, Inc. Announces Florida Expansion — Business Wire, Oct 8, 2026. https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion
9. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Truist Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm
10. United Bankshares 2026 proxy statement (DEF 14A) — SEC EDGAR, Apr 1, 2026. https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm
11. Bank of America Fast Facts (undated page, retrieved 2026-10-19) — Bank of America Newsroom, Oct 19, 2026. https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html
12. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
13. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
14. Raymond James Financial Annual Report on Form 10-K for the fiscal year ended September 30, 2025 — Raymond James Financial (SEC filings), Nov 25, 2025. https://www.sec.gov/Archives/edgar/data/720005/000072000525000093/rjf-20250930.htm
15. F.N.B. Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — F.N.B. Corporation (SEC filings), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm
16. SouthState Bank Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — SouthState Bank Corporation (SEC filings), Feb 20, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926017884/ssb-20251231x10k.htm
17. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
18. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
19. Q2 2026 Investor Presentation (Form 8-K, Exhibit 99.1) — WesBanco (SEC filings), May 4, 2026. https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm
20. Q3 2026 Investor Presentation (Form 8-K, Exhibit 99.1) — WesBanco (SEC filings), Aug 27, 2026. https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm
21. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
22. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
23. Eno, your Capital One assistant — Capital One, Sep 19, 2026. https://www.capitalone.com/digital/tools/eno/
24. JPMorganChase still tops AI ranking as big-bank lead widens — American Banker, Oct 6, 2026. https://www.americanbanker.com/news/jpmorganchase-still-tops-ai-ranking-as-big-bank-lead-widens
25. Banks prioritize responsible AI, governance as use soars — Banking Dive, Oct 6, 2026. https://www.bankingdive.com/news/banks-ai-guardrails-accelerate/832216/
26. Atlantic Union Bankshares Investor Day presentation, December 10, 2025 (Form 8-K, Exhibit 99.1) — Atlantic Union Bankshares (SEC filings), Dec 10, 2025. https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm
27. #31 Atlantic Union's CIO automated his way through a $14 billion merger — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking
28. Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026 — SEC (EDGAR), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm
29. Ameris (ABCB) Q1 2026 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Apr 24, 2026. https://finance.yahoo.com/markets/stocks/articles/ameris-abcb-q1-2026-earnings-172604943.html
30. Ameris Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 — Ameris Bancorp (SEC filings), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm
31. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
32. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
33. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
34. What is Jade Financial Partner? (help centre, retrieved 2026-09-23) — Chime, Sep 23, 2026. https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341
35. Robinhood Reports First Quarter 2026 Results (Form 8-K, Exhibit 99.1) — U.S. Securities and Exchange Commission (EDGAR), Apr 28, 2026. https://www.sec.gov/Archives/edgar/data/1783879/000178387926000061/q12026robinhoodexhibit991.htm
36. Robinhood Puts the Power of Hedge Funds in Every Trader's Pocket — Robinhood, Sep 29, 2026. https://robinhood.com/us/en/newsroom/hood-summit-2026/
37. Robinhood rolls out OpenAI and Anthropic trading agents to millions of users — Fortune, Sep 29, 2026. https://fortune.com/2026/09/29/robinhood-trading-agents-hood-openai-anthropic/
38. Raymond James launches proprietary digital AI agent to bolster operational excellence — Raymond James, Jan 27, 2026. https://raymondjames.com/news-and-media/press-releases/2026/01/27/raymond-james-launches-proprietary-digital-ai-agent-to-bolster-operational-excellence
39. Meta's Muse reignites AI disruption fears. Traders are targeting this brokerage stock as next casualty — CNBC, Sep 23, 2026. https://www.cnbc.com/2026/09/23/metas-muse-ai-causes-schwab-selloff.html
40. F.N.B. Corporation Investor Day presentation (Form 8-K, Exhibit 99.1) — F.N.B. Corporation (SEC filings), Nov 5, 2025. https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm
41. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
42. SouthState second-quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2) — SouthState Bank Corporation (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm
43. SouthState Bank Corporation Form 8-K: third-quarter 2026 earnings date — SouthState Bank Corporation (SEC filings), Oct 2, 2026. https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm
44. United Bankshares, Inc. Announces Record Earnings for the Second Quarter of 2026 — United Bankshares, Jul 23, 2026. https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html
45. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion — Pinnacle Financial Partners, Jan 2, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion

---

Canonical page: https://www.bankingnewsai.com/banks/united-bankshares/competitors
Part of [BankingNewsAI](https://www.bankingnewsai.com/). Markdown versions of every reference page: append `.md` to the page URL; index at https://www.bankingnewsai.com/llms.txt.