| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 177,025 | 202,586 | 205,007 | 201,509 |
| Federal funds and other short-term investments | NaN | NaN | NaN | 13,955 |
| Interest-bearing deposits in banks | 316,116 | 193,168 | 408,424 | 359,492 |
| Cash and cash equivalents | 493,141 | 395,754 | 613,431 | 574,956 |
| Trading securities | 103,384 | NaN | NaN | NaN |
| Afs, fair value, within 1 year | 312,392 | 252,033 | 232,275 | NaN |
| Afs, fair value, 1 to 5 years | 401,759 | 479,286 | 391,436 | NaN |
| Afs, fair value, 5 to 10 years | 220,313 | 231,182 | 230,291 | NaN |
| Afs, fair value, more than 10 years | 103,567 | 121,155 | 131,418 | NaN |
| Afs, fair value, debt securities not due at a single maturity date | 2,536,515 | 2,667,207 | 2,903,843 | NaN |
| Debt securities available-for-sale | 3,574,546 | 3,750,863 | 3,889,263 | 4,075,323 |
| Debt securities held-to-maturity (fair value 1,878,414 and 1,918,426, respectively) | 2,211,523 | 2,237,356 | 2,274,099 | 2,306,730 |
| Loans held for sale | 41,357 | 39,381 | 34,802 | 37,143 |
| Total loans, excluding fair value hedge basis adjustment | 19,602,518 | NaN | 19,166,965 | NaN |
| Fair value hedge basis adjustment | -877 | NaN | 7,829 | NaN |
| Loans and leases held for investment | 19,601,641 | 19,384,317 | 19,174,794 | 18,920,875 |
| Less allowance for credit losses - loans and leases | 208,396 | 210,429 | 215,791 | 216,500 |
| Loans and leases, net | 19,393,245 | 19,173,888 | 18,959,003 | 18,704,375 |
| Premises and equipment, net | 391,883 | 393,714 | 394,536 | 396,479 |
| Bank-owned life insurance | 365,492 | 364,184 | 362,608 | 362,201 |
| Accrued interest receivable | NaN | 83,557 | NaN | NaN |
| Net deferred tax asset | NaN | 75,861 | NaN | NaN |
| Derivative financial instruments | NaN | 35,313 | NaN | NaN |
| Goodwill and other intangible assets, net | 964,819 | 967,882 | 971,071 | 974,385 |
| Other assets (including 99,020 and 107,583 at fair value, respectively) | 637,192 | 484,801 | 644,660 | 653,929 |
| Total assets | 28,176,582 | 28,002,554 | 28,143,473 | 28,085,521 |
| Noninterest-bearing demand | 6,473,101 | 6,252,252 | 6,444,067 | 6,381,975 |
| Interest-bearing deposits | 17,551,964 | 17,546,178 | 17,576,551 | 17,581,037 |
| Total deposits | 24,025,065 | 23,798,430 | 24,020,618 | 23,963,012 |
| Short-term borrowings | 0 | 85,000 | 0 | 0 |
| Long-term debt | 120,500 | 120,400 | 155,251 | 155,143 |
| Derivative financial instruments | NaN | 52,997 | NaN | NaN |
| Accrued expense and other liabilities (including 65,178 and 69,482 at fair value, respectively) | 376,351 | 307,041 | 370,753 | 354,442 |
| Total liabilities | 24,521,916 | 24,363,868 | 24,546,622 | 24,472,597 |
| Preferred stock, 1 par value 10,000,000 shares authorized 0 and 3,662 series i issued and outstanding 25,000 per share liquidation preference | NaN | 0 | 0 | 88,266 |
| Common stock, 1 par value 200,000,000 shares authorized, 119,684,031 and 120,598,266 shares issued and outstanding, respectively | 119,684 | 120,598 | 121,553 | 121,431 |
| Common stock issuable 608,291 and 600,168 shares, respectively | NaN | NaN | 13,683 | 13,190 |
| Capital surplus | 2,721,132 | 2,754,399 | 2,767,143 | 2,764,617 |
| Retained earnings | 968,188 | 914,261 | 858,395 | 802,590 |
| Accumulated other comprehensive loss | -154,338 | -150,572 | -163,923 | -177,170 |
| Total shareholders' equity | 3,654,666 | 3,638,686 | 3,596,851 | 3,612,924 |
| Total liabilities and shareholders' equity | 28,176,582 | 28,002,554 | 28,143,473 | 28,085,521 |
UNITED COMMUNITY BANKS INC (UCB)
UNITED COMMUNITY BANKS INC (UCB)