United Community Banks, Inc. (UCB)

United Community Banks Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,141	1,147	1,043	673.4	505.73	494.21
Interest Income on Investments	240.94	230.26	194.5	139.75	73.06	63.78
Total Interest Income	1,382	1,378	1,237	813.16	578.79	558
Interest Paid on Deposits	487.67	535.52	395.57	42.1	14.85	41.77
Interest Paid on Borrowings	12.35	14.85	23.77	18.7	14.92	14.47
Total Interest Expense	500.02	550.37	419.34	60.8	29.76	56.24
Net Interest Income	881.51	827.37	817.77	752.36	549.03	501.76
Net Interest Income Growth (YoY)	7.44%	1.17%	8.69%	37.03%	9.42%	6.89%
Trust Income	18.28	23.7	23.74	23.59	19	9.24
Mortgage Banking Activities	28.33	27.57	19.22	32.52	58.45	76.09
Gain (Loss) on Sale of Investments	-2.98	-3.32	-53.33	-3.87	0.08	0.75
Other Non-Interest Income	103.11	98.09	76.71	74.73	69.02	64.61
Total Non-Interest Income	154.11	124.76	75.48	137.71	157.82	156.11
Non-Interest Income Growth (YoY)	152.04%	65.28%	-45.19%	-12.74%	1.09%	49.08%
Revenues Before Loan Losses	1,036	952.12	893.25	890.06	706.85	657.87
Provision for Loan Losses	46.53	50.95	89.43	63.91	-37.55	80.43
Revenue	989.09	901.17	803.82	826.15	744.4	577.43
Revenue Growth (YoY)	19.54%	12.11%	-2.70%	10.98%	28.92%	2.94%
Salaries and Employee Benefits	336.84	329.24	309.53	267.5	235.38	216.66
Federal Deposit Insurance	18.18	20.98	27.45	9.89	7.4	5.98
Amortization of Goodwill & Intangibles	13.28	14.6	15.18	6.83	4.05	4.17
Selling, General & Administrative	165.44	161.21	152.09	133.07	107.6	107.87
Other Non-Interest Expense	36.67	42.78	39.1	32.95	27.76	25.81
Total Non-Interest Expense	571.14	569.54	544.06	450.77	382.67	360.97
EBT Excluding Unusual Items	417.95	331.63	259.76	375.38	361.73	216.46
Pretax Income	406.14	323.01	232.55	356	347.76	209.45
Income Tax Expense	88.7	70.61	45	78.53	77.96	45.36
Net Income	317.44	252.4	187.54	277.47	269.8	164.09
Preferred Dividends & Other Adjustments	11.41	7.77	6.7	8.34	8.53	4.82
Net Income to Common	306.03	244.63	180.85	269.14	261.27	159.27
Net Income Growth	66.48%	34.58%	-32.41%	2.84%	64.42%	-11.65%
Basic Shares Outstanding	121	120	118	107	88	83
Diluted Shares Outstanding	121	120	118	107	88	83
Shares Change (YoY)	1.01%	1.83%	10.27%	21.20%	5.83%	4.44%
EPS (Basic)	2.53	2.04	1.54	2.52	2.97	1.91
EPS (Diluted)	2.52	2.04	1.54	2.52	2.97	1.91
EPS Growth	64.40%	32.66%	-38.98%	-15.15%	55.50%	-17.32%
Dividend Per Share	0.970	0.940	0.920	0.860	0.780	0.720
Dividend Growth	4.30%	2.17%	6.98%	10.26%	8.33%	5.88%
Effective Tax Rate	21.84%	21.86%	19.35%	22.06%	22.42%	21.65%

Updated Oct 22, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q