United Bancorporation of Alabama, Inc. (UBAB)

UBAB Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	56.41	162.8	182.97	236.41	280.68	120.18
Investment Securities	416.62	161.15	127.76	158.54	215.5	185.92
Mortgage-Backed Securities	-	164.04	142.22	114.04	123.9	107.13
Total Investments	416.62	325.19	269.98	272.57	339.4	293.05
Gross Loans	943.78	895.86	874.88	815.41	726.02	660.66
Allowance for Loan Losses	-12.38	-11.77	-12.38	-11.63	-12.1	-10.2
Net Loans	931.4	884.1	862.5	803.78	713.91	650.45
Property, Plant & Equipment	15.99	16.21	16.59	13.84	16.95	16.62
Goodwill	6.52	6.52	6.52	6.52	6.52	6.47
Other Intangible Assets	0.34	0.37	0.44	0.51	0.58	0.64
Loans Held for Sale	-	-	-	-	-	0.06
Accrued Interest Receivable	9.62	9.7	9.14	8.27	6.26	5.25
Other Real Estate Owned & Foreclosed	1.26	1.27	2.84	1.1	-	0.15
Other Long-Term Assets	48.22	44.39	48.52	45.81	42.14	27.18
Total Assets	1,486	1,452	1,401	1,390	1,407	1,121

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	8.73	10.37	6.87	7.37	4.98	3.41
Interest Bearing Deposits	694.14	568.61	542.14	520.79	557.42	521.14
Institutional Deposits	-	100.79	74.13	55.3	29.02	37.36
Non-Interest Bearing Deposits	473.93	467.53	473.85	513.76	582.6	424.24
Total Deposits	1,168	1,137	1,090	1,090	1,169	982.73
Accrued Interest Payable	1.41	1.46	1.12	0.79	0.18	0.16
Long-Term Debt	30.53	26.51	29.53	35.69	13.17	6.76
Federal Home Loan Bank Debt, Long-Term	-	3.77	4.44	5.1	5.77	6.44
Trust Preferred Securities	-	-	-	-	-	10.31
Pension & Post-Retirement Benefits	-	2.33	1.99	1.64	1.49	1.42
Other Long-Term Liabilities	0.68	0.68	0.91	0.91	-	-
Total Liabilities	1,209	1,182	1,135	1,141	1,195	1,011

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Preferred Stock, Non-Redeemable	123.75	123.75	123.75	123.75	123.75	-
Total Preferred Equity	123.75	123.75	123.75	123.75	123.75	-
Common Stock	0.03	0.03	0.03	0.04	0.04	0.04
Additional Paid-In Capital	17.3	16.88	22.55	30.11	34.84	34.14
Retained Earnings	155.72	147.11	145.3	122.16	96.56	79.33
Treasury Stock	-	-	-	-	-5.4	-0
Comprehensive Income & Other	-19.84	-18.03	-25.92	-27.42	-37.18	-3.79
Total Common Equity	153.2	145.98	141.96	124.89	88.86	109.71
Shareholders' Equity	276.95	269.73	265.71	248.64	212.61	109.71
Total Liabilities & Equity	1,486	1,452	1,401	1,390	1,407	1,121

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	30.53	30.28	33.97	40.79	18.94	23.51
Net Cash (Debt)	135.51	157.61	149	195.61	261.74	96.67
Net Cash Growth	0%	5.78%	-23.83%	-25.26%	170.75%	-60.16%
Net Cash Per Share	43.18	47.91	42.29	54.63	71.62	25.39
Filing Date Shares Outstanding	3.06	3.06	3.37	3.54	3.6	3.7
Total Common Shares Outstanding	3.06	3.06	3.37	3.54	3.6	3.7
Book Value Per Share	50.14	47.73	42.11	35.32	24.66	29.62
Tangible Book Value	146.34	139.09	135	117.86	81.76	102.59
Tangible Book Value Per Share	47.90	45.48	40.05	33.33	22.69	27.70

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 17, 2026

Data Sources Report a data error