UNITED COMMUNITY BANKS INC
For the period ended Jun 30, 2026. Filed Aug 5, 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.
Jun 30, 2026 · Filed Aug 5, 2026
UCB$37.47+1.3%Stored close · as of Nov 9, 2026
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Glossary of Defined Terms
The following terms may be used throughout this report, including the consolidated financial statements and related notes.
| Term | Definition |
|---|---|
| 2025 10-K | United’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the SEC on February 17, 2026 |
| ACL | Allowance for credit losses |
| AFS | Available-for-sale |
| ALCO | Asset/Liability Management Committee |
| ANB | ANB Holdings, Inc. and its wholly-owned subsidiary, American National Bank |
| AOCI | Accumulated other comprehensive income (loss) |
| Bank | United Community Bank |
| Board | United Community Banks, Inc., Board of Directors |
| BOLI | Bank-owned life insurance |
| CECL | Current expected credit losses |
| CET1 | Common equity tier 1 |
| CME | Chicago Mercantile Exchange |
| CRE | Commercial real estate |
| Company | United Community Banks, Inc. (interchangeable with "United" below) |
| DTA | Deferred tax asset |
| DTL | Deferred tax liability |
| FDIC | Federal Deposit Insurance Corporation |
| FDM | Modification made to borrowers experiencing financial difficulty |
| Federal Reserve | Federal Reserve Bank |
| FHLB | Federal Home Loan Bank |
| FTE | Fully taxable equivalent |
| GAAP | Accounting principles generally accepted in the United States of America |
| GSE | U.S. government-sponsored enterprise |
| Holding Company | United Community Banks, Inc. on an unconsolidated basis |
| HTM | Held-to-maturity |
| MD&A | Management's Discussion and Analysis of Financial Condition and Results of Operations |
| MBS | Mortgage-backed securities |
| Navitas | Navitas Credit Corp. and NLFC Reinsurance Corp. |
| NOW | Negotiable order of withdrawal |
| NPA | Nonperforming asset |
| OCI | Other comprehensive income (loss) |
| OREO | Other real estate owned |
| Peach State | Peach State Bancshares, Inc. and its wholly owned-subsidiary, Peach State Bank & Trust |
| Report | Quarterly Report on Form 10-Q for the quarterly period ending June 30, 2026 |
| SBA | United States Small Business Administration |
| SEC | United States Securities and Exchange Commission |
| United | United Community Banks, Inc. and its direct and indirect subsidiaries |
| USDA | United States Department of Agriculture |
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