United Community Banks, Inc. (UCB) Debt by Year
United Community Banks, Inc. carried $120.4M in long-term debt against $395.8M in cash and equivalents at the end of fiscal year 2025. This represents a decrease of 52.6% from the prior fiscal year. The table below carries 15 fiscal years, from 2011 to 2025, and the quarters United Community Banks, Inc. has filed alongside them.
Annual figures, oldest first. Point at a bar to read its period.
UCB Debt & Cash by Fiscal Year
Figures are as reported in USD. Each change compares the year with the year before it, and each column links to the filing it was taken from.
| Metric | FY2510-K | FY2410-K | FY2310-K | FY2210-K | FY2110-K | FY2010-K | FY1910-K | FY1810-K | FY1710-K | FY1610-K | FY1510-K | FY1410-K | FY1310-K | FY1210-K | FY1110-K |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Long-Term Debt | $120.4M-52.6% | $254.2M-21.8% | $324.8M0.0% | $324.7M+31.3% | $247.4M-24.3% | $327.0M+53.7% | $212.7M-20.4% | $267.2M+121.7% | $120.5M+2322.5% | $5.0M+178.9% | $1.8M-98.6% | $129.9M0.0% | $129.9M+4.1% | $124.8M+3.8% | $120.2M |
| Cash & Equivalents | $395.8M-23.9% | $519.9M-48.2% | $1.0B+55.2% | $646.9M-72.1% | $2.3B+44.1% | $1.6B+212.2% | $515.2M+57.4% | $327.3M+4.1% | $314.3M+44.6% | $217.3M-9.6% | $240.4M+24.8% | $192.7M-15.8% | $228.9M-8.9% | $251.1M-33.6% | $378.4M |
UCB Debt & Cash by Quarter
Figures are as reported in USD. Each change compares the quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-K | Q3'2310-Q |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Long-Term Debt | $20.6M-86.7% | $120.5M-52.6% | $120.4M-52.6% | $155.3M-50.9% | $155.1M-52.2% | $254.3M-21.7% | $254.2M-21.8% | $316.4M-2.6% | $324.9M0.0% | $324.9M0.0% | $324.8M0.0% | $324.8M+0.1% |
| Cash & Equivalents | $455.1M-20.8% | $493.1M-22.5% | $395.8M-23.9% | $613.4M-17.1% | $575.0M+2.1% | $636.7M-33.8% | $519.9M-48.2% | $740.0M-2.6% | $562.9M-20.8% | $961.9M+23.7% | $1.0B+55.2% | $759.5M+56.9% |
What long-term debt means
Long-term debt is borrowing that falls due more than a year out, and the cash line beside it is what the company held on the same balance sheet date.
More United Community Banks, Inc. financials
Frequently Asked Questions
What was United Community Banks, Inc.'s long-term debt in fiscal year 2025?
United Community Banks, Inc. carried $120.4M in long-term debt against $395.8M in cash and equivalents at the end of fiscal year 2025.
How fast is United Community Banks, Inc.'s long-term debt growing?
United Community Banks, Inc. (UCB) long-term debt fell by 52.6% year over year, from $254.2M to $120.4M in fiscal year 2025.
How has United Community Banks, Inc.'s long-term debt changed over the years?
Across the 15 fiscal years this page covers, United Community Banks, Inc. (UCB) long-term debt went from $120.2M in fiscal year 2011 to $120.4M in fiscal year 2025.
What was United Community Banks, Inc.'s long-term debt in the most recent quarter?
United Community Banks, Inc. (UCB) reported $20.6M in long-term debt in Q2 2026. This represents a decrease of 86.7% from the same quarter a year earlier.
What does long-term debt mean on a financial statement?
Long-term debt is borrowing that falls due more than a year out, and the cash line beside it is what the company held on the same balance sheet date. This page lists what United Community Banks, Inc. (UCB) reported on that line in every period on record.