UNITED COMMUNITY BANKS INC
For the period ended Sep 30, 2026. Filed Nov 4, 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.
Sep 30, 2026 · Filed Nov 4, 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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Consolidated Statements of Income (unaudited)
UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)
| Three Months EndedSeptember 30, | Nine Months EndedSeptember 30, | |||
|---|---|---|---|---|
| (in thousands, except per share data) | 2026 | 2025 | 2026 | 2025 |
| Net interest revenue: | ||||
| Interest revenue: | ||||
| Loans, including fees | $301,420 | $297,929 | $883,109 | $860,269 |
| Securities: | ||||
| Taxable | 52,839 | 51,522 | 141,969 | 162,885 |
| Tax-exempt | 1,540 | 1,681 | 4,857 | 5,030 |
| Other | 6,761 | 2,718 | 10,957 | 8,388 |
| Total interest revenue | 362,560 | 353,850 | 1,040,892 | 1,036,572 |
| Interest expense: | ||||
| Deposits | 103,598 | 118,475 | 299,730 | 356,545 |
| Short-term borrowings | 2,546 | 25 | 5,097 | 1,215 |
| Federal Home Loan Bank advances | 4,684 | — | 8,667 | 433 |
| Long-term debt | 526 | 1,721 | 2,528 | 7,198 |
| Total interest expense | 111,354 | 120,221 | 316,022 | 365,391 |
| Net interest revenue | 251,206 | 233,629 | 724,870 | 671,181 |
| Noninterest income: | ||||
| Service charges and fees | 11,640 | 11,400 | 31,560 | 31,057 |
| Mortgage loan gains and other related fees | 10,714 | 7,098 | 25,523 | 18,590 |
| Wealth management fees | 4,897 | 4,757 | 14,458 | 13,622 |
| Net gains from sales of other loans | 63,222 | 2,385 | 66,062 | 5,776 |
| Lending and loan servicing fees | 3,332 | 4,235 | 11,401 | 12,090 |
| Securities (losses) gains, net | (366,101) | 49 | (365,970) | 341 |
| Other | 9,124 | 13,295 | 35,920 | 32,107 |
| Total noninterest income | (263,172) | 43,219 | (181,046) | 113,583 |
| Total revenue | (11,966) | 276,848 | 543,824 | 784,764 |
| Provision for credit losses | 10,013 | 7,907 | (8,937) | 35,144 |
| Noninterest expense: | ||||
| Salaries and employee benefits | 96,443 | 90,667 | 293,934 | 261,931 |
| Communications and equipment | 14,127 | 13,937 | 41,972 | 40,968 |
| Occupancy | 11,184 | 11,502 | 34,141 | 33,366 |
| Advertising and public relations | 2,485 | 2,053 | 7,590 | 6,815 |
| Postage, printing and supplies | 2,515 | 2,735 | 8,016 | 7,791 |
| Professional fees | 7,420 | 6,282 | 19,864 | 17,822 |
| Lending and loan servicing expense | 2,231 | 2,428 | 7,918 | 6,745 |
| Outside services - electronic banking | 3,849 | 3,543 | 10,963 | 9,876 |
| FDIC assessments and other regulatory charges | 4,900 | 4,846 | 11,496 | 14,233 |
| Amortization of intangibles | 3,348 | 3,313 | 9,349 | 9,891 |
| Merger-related and other charges | 6,509 | 3,468 | 8,277 | 9,598 |
| Other | 7,230 | 6,094 | 25,938 | 20,850 |
| Total noninterest expense | 162,241 | 150,868 | 479,458 | 439,886 |
| (Loss) income before income taxes | (184,220) | 118,073 | 73,303 | 309,734 |
| Income tax (benefit) expense | (44,475) | 26,579 | 13,121 | 68,094 |
| Net (loss) income | $(139,745) | $91,494 | $60,182 | $241,640 |
| Net (loss) income available to common shareholders | $(139,988) | $86,139 | $59,543 | $232,290 |
| Net (loss) income per common share: | ||||
| Basic | $(1.16) | $0.71 | $0.49 | $1.92 |
| Diluted | (1.16) | 0.70 | 0.49 | 1.91 |
| Weighted average common shares outstanding: | ||||
| Basic | 120,456 | 122,116 | 120,419 | 121,186 |
| Diluted | 120,456 | 122,252 | 120,654 | 121,303 |
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