United Community Banks, Inc. (UCB)
NYSE: UCB · Real-Time Price · USD
36.35
-0.28 (-0.76%)
Aug 18, 2026, 11:26 AM EDT - Market open
United Community Banks Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 455.1 | 395.75 | 519.87 | 1,004 | 646.85 | 2,319 |
Investment Securities | 1,947 | 1,921 | 1,903 | 1,717 | 1,688 | 1,894 |
Trading Asset Securities | 118.5 | 35.31 | 46.88 | 50.35 | 50.64 | 42.48 |
Mortgage-Backed Securities | 4,338 | 4,203 | 4,997 | 4,213 | 4,651 | 3,812 |
Total Investments | 6,404 | 6,160 | 6,947 | 5,981 | 6,389 | 5,749 |
Gross Loans | 18,024 | 19,403 | 18,191 | 18,330 | 15,342 | 11,766 |
Allowance for Loan Losses | -168.71 | -210.43 | -207 | -208.07 | -159.36 | -102.53 |
Other Adjustments to Gross Loans | - | -18.41 | -15.41 | -11.71 | -6.88 | -5.43 |
Net Loans | 17,855 | 19,174 | 17,969 | 18,111 | 15,175 | 11,658 |
Property, Plant & Equipment | 394.34 | 430.76 | 437.08 | 421.23 | 338.46 | 274.72 |
Goodwill | 925.12 | 925.12 | 907.09 | 919.91 | 751.17 | 452.01 |
Other Intangible Assets | 36.76 | 42.76 | 49.55 | 70.17 | 28.07 | 20.4 |
Loans Held for Sale | 1,963 | 39.38 | 57.53 | 33.01 | 13.6 | 44.11 |
Accrued Interest Receivable | 58.5 | 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 | 1.99 | 2.4 | 2.06 | 1.19 | 0.05 | 0.04 |
Other Long-Term Assets | 901.29 | 655.05 | 630.34 | 537.18 | 429.96 | 336.24 |
Total Assets | 29,051 | 28,003 | 27,720 | 27,297 | 24,009 | 20,947 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Accrued Expenses | 330.17 | 253.59 | 244.62 | 255.28 | 235.71 | 168.78 |
Interest Bearing Deposits | 17,275 | 16,390 | 17,250 | 16,776 | 12,233 | 11,284 |
Institutional Deposits | - | 1,156 | - | - | - | - |
Non-Interest Bearing Deposits | 6,450 | 6,252 | 6,211 | 6,534 | 7,643 | 6,957 |
Total Deposits | 23,724 | 23,798 | 23,461 | 23,311 | 19,877 | 18,241 |
Short-Term Borrowings | 1,212 | 138 | 272.83 | 84.81 | 258.48 | 25.15 |
Current Portion of Leases | - | 10.02 | - | - | - | - |
Long-Term Debt | 20.6 | 94.63 | 228.38 | 290.49 | 290.33 | 226.74 |
Federal Home Loan Bank Debt, Long-Term | - | - | - | - | 550 | - |
Long-Term Leases | - | 28.34 | 45.16 | 44.15 | 41.69 | 31.07 |
Trust Preferred Securities | - | 25.78 | 25.78 | 34.33 | 34.33 | 20.62 |
Other Long-Term Liabilities | 19.62 | 15.09 | 10.39 | 16.06 | 21.16 | 10.99 |
Total Liabilities | 25,306 | 24,364 | 24,288 | 24,036 | 21,308 | 18,725 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Preferred Stock, Redeemable | - | - | 88.27 | 88.27 | 96.42 | 96.42 |
Common Stock | 119.76 | 120.6 | 119.36 | 119.01 | 106.22 | 89.35 |
Additional Paid-In Capital | 2,725 | 2,754 | 2,723 | 2,699 | 2,306 | 1,721 |
Retained Earnings | 1,053 | 914.26 | 714.14 | 581.22 | 508.84 | 330.65 |
Comprehensive Income & Other | -152.73 | -150.57 | -212.92 | -226.08 | -317.18 | -15.19 |
Total Common Equity | 3,745 | 3,639 | 3,344 | 3,173 | 2,604 | 2,126 |
Shareholders' Equity | 3,745 | 3,639 | 3,432 | 3,262 | 2,701 | 2,222 |
Total Liabilities & Equity | 29,051 | 28,003 | 27,720 | 27,297 | 24,009 | 20,947 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Total Debt | 1,232 | 296.76 | 572.15 | 453.78 | 1,175 | 303.58 |
Net Cash (Debt) | -658.54 | 134.31 | -5.39 | 600.45 | -477.34 | 2,057 |
Net Cash Growth | - | - | - | - | - | 57.51% |
Net Cash Per Share | -5.43 | 1.11 | -0.04 | 5.10 | -4.47 | 23.35 |
Filing Date Shares Outstanding | 120.58 | 119.61 | 119.44 | 119.08 | 115.03 | 105.98 |
Total Common Shares Outstanding | 119.76 | 120.6 | 119.36 | 119.01 | 106.22 | 89.35 |
Book Value Per Share | 31.27 | 30.17 | 28.01 | 26.66 | 24.52 | 23.79 |
Tangible Book Value | 2,783 | 2,671 | 2,387 | 2,183 | 1,825 | 1,653 |
Tangible Book Value Per Share | 23.24 | 22.15 | 20.00 | 18.34 | 17.18 | 18.50 |