UNITED COMMUNITY BANKS INC
For the period ended Mar 31, 2026. Filed May 6, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2026 · Filed May 6, 2026
UCB$37.42-0.1%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 1. Consolidated Balance Sheets (unaudited)
Item 1. Financial Statements
UNITED COMMUNITY BANKS, INC.
Consolidated Balance Sheets (Unaudited)
| (in thousands, except share data) | March 31,2026 | December 31, 2025 |
|---|---|---|
| ASSETS | ||
| Cash and due from banks | $177,025 | $202,586 |
| Interest-bearing deposits in banks | 316,116 | 193,168 |
| Cash and cash equivalents | 493,141 | 395,754 |
| Trading securities | 103,384 | — |
| Debt securities available-for-sale | 3,574,546 | 3,750,863 |
| Debt securities held-to-maturity (fair value $1,878,414 and $1,918,426, respectively) | 2,211,523 | 2,237,356 |
| Loans held for sale | 41,357 | 39,381 |
| Loans and leases held for investment | 19,601,641 | 19,384,317 |
| Less allowance for credit losses - loans and leases | (208,396) | (210,429) |
| Loans and leases, net | 19,393,245 | 19,173,888 |
| Premises and equipment, net | 391,883 | 393,714 |
| Bank-owned life insurance | 365,492 | 364,184 |
| Goodwill and other intangible assets, net | 964,819 | 967,882 |
| Other assets (including $99,020 and $107,583 at fair value, respectively) | 637,192 | 679,532 |
| Total assets | $28,176,582 | $28,002,554 |
| LIABILITIES AND SHAREHOLDERS’ EQUITY | ||
| Liabilities: | ||
| Deposits: | ||
| Noninterest-bearing demand | $6,473,101 | $6,252,252 |
| Interest-bearing deposits | 17,551,964 | 17,546,178 |
| Total deposits | 24,025,065 | 23,798,430 |
| Short-term borrowings | — | 85,000 |
| Long-term debt | 120,500 | 120,400 |
| Accrued expense and other liabilities (including $65,178 and $69,482 at fair value, respectively) | 376,351 | 360,038 |
| Total liabilities | 24,521,916 | 24,363,868 |
| Shareholders' equity: | ||
| 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 |
| Capital surplus | 2,721,132 | 2,754,399 |
| Retained earnings | 968,188 | 914,261 |
| Accumulated other comprehensive loss | (154,338) | (150,572) |
| Total shareholders' equity | 3,654,666 | 3,638,686 |
| Total liabilities and shareholders' equity | $28,176,582 | $28,002,554 |
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