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UNITED COMMUNITY BANKS INC (UCB)
UNITED COMMUNITY BANKS INC (UCB)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Balance Sheets Overview
Debt to Asset Ratio
87.11%
Unit: Thousand (K) dollars
Assets Breakdown
Total loans, excluding fair valu...
Afs, fair value, debt securities...
Debt securities held-to-maturity...
Others
Liabilities Breakdown
Interest-bearing deposits
Noninterest-bearing demand
Capital surplus
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
129,113
177,025
202,586
205,007
Interest-bearing deposits in banks
325,984
316,116
193,168
408,424
Cash and cash equivalents
455,097
493,141
395,754
613,431
Trading securities
91,377
103,384
-
-
Afs, fair value, within 1 year
313,785
312,392
252,033
232,275
Afs, fair value, 1 to 5 years
352,648
401,759
479,286
391,436
Afs, fair value, 5 to 10 years
318,017
220,313
231,182
230,291
Afs, fair value, more than 10 years
141,361
103,567
121,155
131,418
Afs, fair value, debt securities not due at a single maturity date
2,980,555
2,536,515
2,667,207
2,903,843
Debt securities available-for-sale
4,106,366
3,574,546
3,750,863
3,889,263
Debt securities held-to-maturity (fair value 1,848,900 and 1,918,426, respectively)
2,179,043
2,211,523
2,237,356
2,274,099
Mortgage loans held for sale
53,518
-
-
-
Loans held for sale
-
41,357
39,381
34,802
Equipment financing receivables held for sale
1,909,186
-
-
-
Total loans, excluding fair value hedge basis adjustment
18,028,693
19,602,518
-
19,166,965
Fair value hedge basis adjustment
-4,563
-877
-
7,829
Loans and leases held for investment
18,024,130
19,601,641
19,384,317
19,174,794
Less allowance for credit losses - loans and leases
168,705
208,396
210,429
215,791
Loans and leases, net
17,855,425
19,393,245
19,173,888
18,959,003
Premises and equipment, net
394,343
391,883
393,714
394,536
Bank-owned life insurance
367,506
365,492
364,184
362,608
Accrued interest receivable
-
-
83,557
-
Net deferred tax asset
-
-
75,861
-
Derivative financial instruments
-
-
35,313
-
Goodwill and other intangible assets, net
961,881
964,819
967,882
971,071
Other assets (including 100,421 and 107,583 at fair value, respectively)
677,400
637,192
484,801
644,660
Total assets
29,051,142
28,176,582
28,002,554
28,143,473
Noninterest-bearing demand
6,449,517
6,473,101
6,252,252
6,444,067
Interest-bearing deposits
17,274,692
17,551,964
17,546,178
17,576,551
Total deposits
23,724,209
24,025,065
23,798,430
24,020,618
Short-term borrowings
360,000
0
85,000
0
Federal home loan bank advances
800,000
-
-
-
Long-term debt
20,602
120,500
120,400
155,251
Derivative financial instruments
-
-
52,997
-
Accrued expense and other liabilities (including 68,210 and 69,482 at fair value, respectively)
401,327
376,351
307,041
370,753
Total liabilities
25,306,138
24,521,916
24,363,868
24,546,622
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
-
-
0
0
Common stock, 1 par value 200,000,000 shares authorized, 119,763,827 and 120,598,266 shares issued and outstanding, respectively
119,764
119,684
120,598
121,553
Common stock issuable 608,291 and 600,168 shares, respectively
-
-
-
13,683
Capital surplus
2,724,530
2,721,132
2,754,399
2,767,143
Retained earnings
1,053,438
968,188
914,261
858,395
Accumulated other comprehensive loss
-152,728
-154,338
-150,572
-163,923
Total shareholders' equity
3,745,004
3,654,666
3,638,686
3,596,851
Total liabilities and shareholders' equity
29,051,142
28,176,582
28,002,554
28,143,473
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Balance Sheets
Total loans,
excluding fair value hedge...
$18,028,693K
(-4.67%↓ Y/Y)
Loans and leases held
for investment
$18,024,130K
(-4.74%↓ Y/Y)
Afs, fair value, debt
securities not due at a...
$2,980,555K
(-5.38%↓ Y/Y)
Afs, fair value, 1 to 5
years
$352,648K
(-10.76%↓ Y/Y)
Afs, fair value, 5 to
10 years
$318,017K
(26.41%↑ Y/Y)
Afs, fair value,
within 1 year
$313,785K
(135.33%↑ Y/Y)
Afs, fair value, more
than 10 years
$141,361K
(-2.73%↓ Y/Y)
Interest-bearing deposits in
banks
$325,984K
(-9.32%↓ Y/Y)
Cash and due from
banks
$129,113K
(-35.93%↓ Y/Y)
Fair value hedge
basis adjustment
-$4,563K
(-152.47%↓ Y/Y)
Loans and leases, net
$17,855,425K
(-4.54%↓ Y/Y)
Debt securities
available-for-sale
$4,106,366K
(0.76%↑ Y/Y)
Debt securities
held-to-maturity (fair value...
$2,179,043K
(-5.54%↓ Y/Y)
Equipment financing
receivables held for sale
$1,909,186K
Goodwill and other
intangible assets, net
$961,881K
(-1.28%↓ Y/Y)
Other assets
(including 100,421 and...
$677,400K
(3.59%↑ Y/Y)
Cash and cash
equivalents
$455,097K
(-20.85%↓ Y/Y)
Premises and equipment,
net
$394,343K
(-0.54%↓ Y/Y)
Bank-owned life insurance
$367,506K
(1.46%↑ Y/Y)
Trading securities
$91,377K
Mortgage loans held for
sale
$53,518K
Less allowance for
credit losses - loans...
$168,705K
(-22.08%↓ Y/Y)
Total assets
$29,051,142K
(3.44%↑ Y/Y)
Total liabilities and
shareholders' equity
$29,051,142K
(3.44%↑ Y/Y)
Total liabilities
$25,306,138K
(3.41%↑ Y/Y)
Total shareholders'
equity
$3,745,004K
(3.66%↑ Y/Y)
Accumulated other
comprehensive loss
-$152,728K
(13.80%↑ Y/Y)
Total deposits
$23,724,209K
(-1.00%↓ Y/Y)
Federal home loan bank
advances
$800,000K
Accrued expense and
other liabilities...
$401,327K
(13.23%↑ Y/Y)
Short-term borrowings
$360,000K
Long-term debt
$20,602K
(-86.72%↓ Y/Y)
Capital surplus
$2,724,530K
(-1.45%↓ Y/Y)
Retained earnings
$1,053,438K
(31.25%↑ Y/Y)
Common stock, 1 par
value 200,000,000...
$119,764K
(-1.37%↓ Y/Y)
Interest-bearing deposits
$17,274,692K
(-1.74%↓ Y/Y)
Noninterest-bearing demand
$6,449,517K
(1.06%↑ Y/Y)
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