United Community Banks Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	395.75	519.87	1,004	646.85	2,319
Investment Securities	3,751	1,903	1,717	1,688	1,894
Trading Asset Securities	35.31	46.88	50.35	50.64	42.48
Mortgage-Backed Securities	2,237	4,997	4,213	4,651	3,812
Total Investments	6,024	6,947	5,981	6,389	5,749
Gross Loans	19,384	18,191	18,330	15,342	11,766
Allowance for Loan Losses	-210.43	-207	-208.07	-159.36	-102.53
Other Adjustments to Gross Loans	-	-15.41	-11.71	-6.88	-5.43
Net Loans	19,174	17,969	18,111	15,175	11,658
Property, Plant & Equipment	393.71	437.08	421.23	338.46	274.72
Goodwill	-	907.09	919.91	751.17	452.01
Other Intangible Assets	967.88	49.55	70.17	28.07	20.4
Loans Held for Sale	39.38	57.53	33.01	13.6	44.11
Accrued Interest Receivable	83.56	85.62	87.78	72.81	43
Long-Term Deferred Tax Assets	75.86	96.98	113.21	129.31	41.32
Other Real Estate Owned & Foreclosed	2.4	2.06	1.19	0.05	0.04
Other Long-Term Assets	846.59	630.34	537.18	429.96	336.24
Total Assets	28,003	27,720	27,297	24,009	20,947
Accrued Expenses	307.04	244.62	255.28	235.71	168.78
Interest Bearing Deposits	17,546	16,187	16,776	12,233	11,284
Institutional Deposits	-	1,063	-	-	-
Non-Interest Bearing Deposits	6,252	6,211	6,534	7,643	6,957
Total Deposits	23,798	23,461	23,311	19,877	18,241
Short-Term Borrowings	138	272.83	84.81	258.48	25.15
Current Portion of Leases	-	10.44	-	-	-
Long-Term Debt	120.4	228.38	290.49	290.33	226.74
Federal Home Loan Bank Debt, Long-Term	-	-	-	550	-
Long-Term Leases	-	34.72	44.15	41.69	31.07
Trust Preferred Securities	-	25.78	34.33	34.33	20.62
Other Long-Term Liabilities	-	10.39	16.06	21.16	10.99
Total Liabilities	24,364	24,288	24,036	21,308	18,725
Preferred Stock, Redeemable	-	88.27	88.27	96.42	96.42
Common Stock	120.6	119.36	119.01	106.22	89.35
Additional Paid-In Capital	2,754	2,710	2,699	2,306	1,721
Retained Earnings	914.26	714.14	581.22	508.84	330.65
Comprehensive Income & Other	-150.57	-199.92	-226.08	-317.18	-15.19
Total Common Equity	3,639	3,344	3,173	2,604	2,126
Shareholders' Equity	3,639	3,432	3,262	2,701	2,222
Total Liabilities & Equity	28,003	27,720	27,297	24,009	20,947
Total Debt	258.4	572.15	453.78	1,175	303.58
Net Cash (Debt)	172.67	-5.39	600.45	-477.34	2,057
Net Cash Growth	-	-	-	-	57.51%
Net Cash Per Share	1.42	-0.04	5.10	-4.47	23.35
Filing Date Shares Outstanding	120.6	119.44	119.08	115.03	105.98
Total Common Shares Outstanding	120.6	119.36	119.01	106.22	89.35
Book Value Per Share	30.17	28.01	26.66	24.52	23.79
Tangible Book Value	2,671	2,387	2,183	1,825	1,653
Tangible Book Value Per Share	22.15	20.00	18.34	17.18	18.50

Source: S&P Global Market Intelligence. Banks template. Financial Sources.