United Community Banks, Inc. (UCB)

United Community Banks 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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	781.61	395.75	519.87	1,004	646.85	2,319
Investment Securities	6,547	1,921	1,903	1,717	1,688	1,894
Trading Asset Securities	93.76	35.31	46.88	50.35	50.64	42.48
Mortgage-Backed Securities	-	4,203	4,997	4,213	4,651	3,812
Total Investments	6,641	6,160	6,947	5,981	6,389	5,749
Gross Loans	18,988	19,403	18,191	18,330	15,342	11,766
Allowance for Loan Losses	-179.14	-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	18,809	19,174	17,969	18,111	15,175	11,658
Property, Plant & Equipment	409.53	430.76	437.08	421.23	338.46	274.72
Goodwill	-	925.12	907.09	919.91	751.17	452.01
Other Intangible Assets	1,027	42.76	49.55	70.17	28.07	20.4
Loans Held for Sale	34.49	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	2.95	2.4	2.06	1.19	0.05	0.04
Other Long-Term Assets	1,177	655.05	630.34	537.18	429.96	336.24
Total Assets	28,882	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	447.19	253.59	244.62	255.28	235.71	168.78
Interest Bearing Deposits	18,137	16,390	17,250	16,776	12,233	11,284
Institutional Deposits	-	1,156	-	-	-	-
Non-Interest Bearing Deposits	6,751	6,252	6,211	6,534	7,643	6,957
Total Deposits	24,888	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	-	10.02	-	-	-	-
Long-Term Debt	39.69	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	-	15.09	10.39	16.06	21.16	10.99
Total Liabilities	25,375	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Preferred Stock, Redeemable	-	-	88.27	88.27	96.42	96.42
Common Stock	119.83	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	882.02	914.26	714.14	581.22	508.84	330.65
Comprehensive Income & Other	-219.53	-150.57	-212.92	-226.08	-317.18	-15.19
Total Common Equity	3,507	3,639	3,344	3,173	2,604	2,126
Shareholders' Equity	3,507	3,639	3,432	3,262	2,701	2,222
Total Liabilities & Equity	28,882	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	39.69	296.76	572.15	453.78	1,175	303.58
Net Cash (Debt)	835.68	134.31	-5.39	600.45	-477.34	2,057
Net Cash Growth	89.91%	-	-	-	-	57.51%
Net Cash Per Share	6.91	1.11	-0.04	5.10	-4.47	23.35
Filing Date Shares Outstanding	119.83	119.61	119.44	119.08	115.03	105.98
Total Common Shares Outstanding	119.83	120.6	119.36	119.01	106.22	89.35
Book Value Per Share	29.27	30.17	28.01	26.66	24.52	23.79
Tangible Book Value	2,480	2,671	2,387	2,183	1,825	1,653
Tangible Book Value Per Share	20.70	22.15	20.00	18.34	17.18	18.50

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 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:

Nov 5, 2026

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