Here are the 10-K annual reports from United Community Banks, Inc. (UCB) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow UCB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full UCB filings page.
United Community Banks, Inc. reports a detailed annual update highlighting growth, capital actions and risk oversight. As of December 31, 2025, the company held $28.0 billion in total assets, with consolidated loans of $19.4 billion, emphasizing its core community and commercial banking focus across the Southeast.
During 2025, United redeemed all outstanding Series I preferred stock with a carrying value of $88.3 million and two senior debenture series totaling $135 million, simplifying its capital structure. It also completed the acquisition of ANB, adding $301 million in loans and $374 million in deposits, and originated $1.02 billion in residential mortgages.
The bank underscores strong customer-satisfaction recognition, disciplined credit and capital management, and extensive risk and regulatory disclosures, including confirmation that its bank subsidiary was classified as “well-capitalized” at year-end 2025. Workforce, culture, technology investment and cybersecurity are presented as key pillars supporting long-term franchise stability.