Every 10-Q that United Community Banks, Inc. (UCB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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. reported solid results for the quarter ended June 30, 2026. Net income was $115.6 million versus $78.7 million a year earlier, and first‑half 2026 net income reached $199.9 million. Total revenue for the quarter was $279.3 million, driven by net interest revenue of $240.9 million and a $29.8 million release of credit loss provisions instead of an expense in the prior year. Diluted EPS was $0.95 for both the quarter and first half. Total assets increased to $29.1 billion, with deposits of $23.7 billion.
A major strategic step is the pending divestiture of equipment finance subsidiary Navitas. On June 11, 2026, the company entered a definitive agreement for estimated $1.99 billion cash consideration. Related equipment financing receivables of $1.91 billion were reclassified to held for sale at a premium, and the associated $38.5 million allowance for credit losses was released through earnings. Loans and leases held for investment declined to $18.0 billion, while the allowance for credit losses on loans fell to $168.7 million. Funding shifted toward wholesale sources, with Federal Home Loan Bank advances rising to $800 million and short‑term borrowings to $360 million, and operating cash flow remained strong at $199.9 million for the first half.
United Community Banks, Inc. reported solid first-quarter 2026 growth, with net income of $84.3 million and diluted EPS of $0.69, up from $71.4 million and $0.58 a year earlier. Total revenue rose to $276.5 million, helped by stronger net interest revenue and higher noninterest income.
The net interest margin improved to 3.65% as funding costs eased, while loans reached $19.6 billion and deposits $24.0 billion. Asset quality remained stable with ACL at $208.4 million and NPAs at $98.6 million. The company stayed well-capitalized, with consolidated CET1 of 13.40%. Subsequent events include a definitive agreement to acquire Peach State Bancshares and the redemption of $100 million of subordinated debentures.
United Community Banks, Inc. reports substantially stronger results in its quarter ended September 30, 2025. Total revenue rose to $276.8M from $217.3M a year earlier, while net income nearly doubled to $91.5M, and diluted EPS increased to $0.70 from $0.38.
For the first nine months of 2025, net income was $241.6M versus $176.6M in 2024, supported by higher net interest revenue and a sharp swing to gains on loan sales. Loans reached $19.17B and deposits $24.02B, both above December 31, 2024 levels. The ANB acquisition added $428.5M of assets and generated $18.0M of goodwill, while the allowance for credit losses on loans stood at $215.8M. Capital remained strong, with consolidated CET1 at 13.44%.