Here are the 10-Q quarterly reports from United Community Banks Inc. (UCBI) 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-Q covers the quarterly report filed between annual reports, so if you follow UCBI 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 UCBI filings page.
What happened: United Community Banks reported higher profits this quarter and continued to grow its core banking business while completing a small bank acquisition.
Why it matters: The bank earned $78.7 million this quarter (up from $66.6 million a year earlier) and delivered higher net interest revenue, driven by lower interest expense and steady loan balances. Deposits and loans both grew, supporting the bank's lending franchise and capital base. United also acquired ANB on May 1, 2025, adding branches and customers in Florida and creating goodwill and a core deposit intangible.
What investors should watch: The company reported sizeable unrealized losses in its investment portfolios due to interest-rate movements, and the allowance for credit losses was adjusted for specific risks including hurricane-related exposure. Shareholders' equity and earnings per share increased year-over-year, showing near-term earnings strength but with market-value pressure in securities holdings.