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Midas Edge

UNITED COMMUNITY BANKS INC

For the period ended Dec 31, 2025. Filed Feb 17, 2026.

View on SEC.gov

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 17, 2026

UCB$37.47+1.3%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits
Contents

Glossary of Defined Terms

The following terms may be used throughout this report, including the consolidated financial statements and related notes.

TermDefinition
ACLAllowance for credit losses
AFSAvailable-for-sale
ALCOAsset/Liability Management Committee
ANBANB Holdings, Inc. and its wholly owned subsidiary, American National Bank
AOCIAccumulated other comprehensive income (loss)
ASCAccounting Standards Codification
ASUAccounting standards update
BHC ActBank Holding Company Act of 1956, as amended
BankUnited Community Bank
BoardUnited Community Banks, Inc., Board of Directors
BOLIBank-owned life insurance
CECLCurrent expected credit losses
CET1Common equity tier 1
CFPBConsumer Financial Protection Bureau
CMEChicago Mercantile Exchange
CODMChief operating decision maker
CompanyUnited Community Banks, Inc. (interchangeable with "United" below)
CRACommunity Reinvestment Act
CRECommercial real estate
CVACredit valuation adjustment
Dodd-Frank ActDodd-Frank Wall Street Reform and Consumer Protection Act
DTADeferred tax asset
DTLDeferred tax liability
Fannie MaeFederal National Mortgage Association
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
FDMFinancial difficulty modification
Federal ReserveFederal Reserve Bank
FHLBFederal Home Loan Bank
FinCENFinancial Crimes Enforcement Network
FinTrustCollectively, FinTrust Brokerage Services, LLC and FinTrust Capital Advisors, LLC
First MiamiFirst Miami Bancorp, Inc. and its wholly-owned subsidiary, First National Bank of South Miami
Freddie MacFederal Home Loan Mortgage Corporation
FTEFully taxable equivalent
GAAPAccounting principles generally accepted in the United States of America
GLB ActGramm-Leach-Bliley Act
GSEU.S. government-sponsored enterprise
Holding CompanyUnited Community Banks, Inc. on an unconsolidated basis
HTMHeld-to-maturity
LIHTCLow-income housing tax credits
MBSMortgage-backed securities
MD&AManagement's Discussion and Analysis of Financial Condition and Results of Operations
Modified Retirement PlanUnited's unfunded noncontributory defined benefit pension plan
NavitasNavitas Credit Corp.
NOWNegotiable order of withdrawal
NPANonperforming asset
NYSENew York Stock Exchange
OCIOther comprehensive income
OREOOther real estate owned
Patriot ActUniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001
PCDPurchased credit deteriorated loans
ProgressProgress Financial Corporation and its wholly-owned subsidiary, Progress Bank & Trust
PSUPerformance-based restricted stock unit awards with market conditions
ROU assetRight-of-use asset
RWARisk-weighted assets
SBAUnited States Small Business Administration
SCBFISouth Carolina Board of Financial Institutions
SECUnited States Securities and Exchange Commission
SOFRSecured Overnight Financing Rate
Term SOFRForward-looking term rate based on SOFR
U.S. TreasuryUnited States Department of the Treasury
UCBIUnited Community Banks, Inc. and its direct and indirect subsidiaries
UCMSUnited Community Mortgage Services
UCPSUnited Community Payment Systems, LLC
UnitedUnited Community Banks, Inc. and its direct and indirect subsidiaries
USDAUnited States Department of Agriculture
VIEVariable interest entity
ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.