United Community Banks Inc balance sheet

At the end of fiscal 2025, United Community Banks Inc had total assets of $28.00bn, total liabilities of $24.36bn and shareholders' equity of $3.64bn. It held $396m in cash against $205m of debt.

Balance sheet

US$ billions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

United Community Banks Inc: balance sheet, annual
Fiscal year	2009Dec 2009	2010Dec 2010	2011Dec 2011	2012Dec 2012	2013Dec 2013	2014Dec 2014	2015Dec 2015	2016Dec 2016	2017Dec 2017	2018Dec 2018	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025	LTMJun 2026
Cash and equivalents	0.4	0.6	0.4	0.3	0.2	0.2	0.2	0.2	0.3	0.3	0.5	1.6	2.3	0.6	1.0	0.5	0.4	0.5
Goodwill	0.2	—	—	—	—	0.0	0.1	0.1	0.2	0.3	0.3	0.4	0.5	0.8	0.9	0.9	0.9	—
Total assets	—	7.3	7.0	6.8	7.4	7.6	9.6	10.7	11.9	12.6	12.9	17.8	20.9	24.0	27.3	27.7	28.0	29.1
Short-term debt	—	—	0.1	0.1	—	0.0	0.0	0.0	0.1	0.0	—	—	0.0	0.2	0.0	0.2	0.1	0.4
Long-term debt	—	0.2	0.1	0.1	0.1	0.1	−0.0	−0.0	0.1	0.3	0.2	0.3	0.2	0.3	0.3	0.3	0.1	0.0
Total debt	0.0	0.2	0.2	0.2	0.1	0.1	0.2	0.2	0.2	0.3	0.2	0.3	0.2	0.5	0.3	0.4	0.2	0.4
Total liabilities	—	6.8	6.4	6.2	6.6	6.8	8.6	9.6	10.6	11.1	11.3	15.8	18.7	21.3	24.0	24.3	24.4	25.3
Shareholders' equity	1.0	0.5	0.6	0.6	0.8	0.7	1.0	1.1	1.3	1.5	1.6	2.0	2.2	2.7	3.3	3.4	3.6	3.7
Shares outstanding	—	38m	42m	—	—	50m	66m	71m	78m	79m	79m	87m	89m	106m	119m	119m	121m	120m

US$ billions unless shown otherwise. Fiscal quarters.

United Community Banks Inc: balance sheet, quarterly
Quarter	2024 Q3Sept 2024	2024 Q4Dec 2024	2025 Q1Mar 2025	2025 Q2Jun 2025	2025 Q3Sept 2025	2025 Q4Dec 2025	2026 Q1Mar 2026	2026 Q2Jun 2026
Goodwill	0.9	0.9	0.9	0.9	0.9	0.9	—	—
Total assets	27.4	27.7	27.9	28.1	28.1	28.0	28.2	29.1
Short-term debt	—	0.2	0.0	0.0	0.0	0.1	0.0	0.4
Long-term debt	0.3	0.3	0.3	0.2	0.2	0.1	0.1	0.0
Total debt	0.3	0.4	0.3	0.2	0.2	0.2	0.1	0.4
Total liabilities	24.0	24.3	24.4	24.5	24.5	24.4	24.5	25.3
Shareholders' equity	3.4	3.4	3.5	3.6	3.6	3.6	3.7	3.7
Shares outstanding	119m	119m	120m	121m	122m	121m	120m	120m

Balances at each fiscal year end (quarter end in the quarterly view). Total debt is short- plus long-term borrowings, including lease debt where the company reports it within debt. Where assets do not equal liabilities plus shareholders' equity, the difference (non-controlling interests, redeemable preferred shares) is shown on its own line.

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Figures from United Community Banks Inc's SEC filings (10-K and 10-Q), retrieved October 26, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to United Community Banks Inc.