United Community Banks Inc income statement
In fiscal 2025, United Community Banks Inc reported revenue of $1.06bn, up 11.7% on the year before and net income of $328m, or $2.62 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.
Income statement
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 305 | 290 | 282 | 284 | 275 | 270 | 326 | 404 | 440 | 522 | 561 | 577 | 744 | 826 | 893 | 952 | 1,063 | 1,111 |
| Interest expense | 160 | 100 | 66 | 38 | 28 | 26 | 21 | 25 | 34 | 61 | 83 | 56 | 30 | 61 | 419 | — | — | — |
| Net interest income | 243 | 241 | 237 | 228 | 218 | 223 | 257 | 310 | 356 | 439 | 469 | 502 | 549 | 752 | 818 | 827 | 909 | 945 |
| Non-interest income | 62 | 49 | 45 | 56 | 57 | 56 | 73 | 94 | 88 | 93 | 105 | 156 | 158 | 138 | 75 | 125 | 154 | 166 |
| Non-interest expense | 315 | 499 | 262 | 187 | 174 | 163 | 211 | 241 | 268 | 306 | 322 | 368 | 397 | 470 | 571 | 578 | 592 | 620 |
| Provision for credit losses | 310 | 223 | 251 | 63 | 66 | 9 | 4 | −1 | 4 | 10 | 13 | 80 | −38 | 64 | 89 | 51 | 49 | 3 |
| Income before tax | −319 | −432 | −231 | 35 | 35 | 107 | 115 | 163 | 173 | 216 | 239 | 209 | 348 | 356 | 233 | 323 | 422 | 488 |
| Income tax | −91 | 71 | −4 | 1 | −238 | 39 | 43 | 62 | 105 | 50 | 53 | 45 | 78 | 79 | 45 | 71 | 94 | 110 |
| Net income | −228 | −502 | −227 | 34 | 273 | 68 | 72 | 101 | 68 | 166 | 186 | 164 | 270 | 277 | 188 | 252 | 328 | 378 |
| Diluted EPS | −$9.88 | −$13.54 | −$5.97 | $0.38 | $4.44 | $1.11 | $1.09 | $1.40 | $0.92 | $2.07 | $2.31 | $1.91 | $2.97 | $2.52 | $1.54 | $2.04 | $2.62 | $3.11 |
| Diluted shares (average) | — | 38m | 40m | 58m | 59m | 61m | 65m | 72m | 73m | 80m | 80m | 83m | 88m | 107m | 118m | 120m | 121m | 121m |
| 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 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 217 | 251 | 248 | 260 | 277 | 278 | 277 | 279 |
| Net interest income | 209 | 210 | 212 | 226 | 234 | 238 | 233 | 241 |
| Non-interest income | 8 | 41 | 36 | 35 | 43 | 40 | 44 | 38 |
| Non-interest expense | 143 | 143 | 141 | 148 | 151 | 152 | 157 | 160 |
| Provision for credit losses | 14 | 11 | 15 | 12 | 8 | 14 | 11 | −30 |
| Income before tax | 60 | 96 | 91 | 101 | 118 | 113 | 108 | 149 |
| Income tax | 12 | 21 | 20 | 22 | 27 | 26 | 24 | 34 |
| Net income | 47 | 76 | 71 | 79 | 91 | 86 | 84 | 116 |
| Diluted EPS | $0.38 | $0.61 | $0.58 | $0.63 | $0.70 | $0.71 | $0.69 | $0.95 |
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