Call reports 2025
UNITED COMMUNITY BANK — 2025
What UNITED COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,909,476,000 | 3,880,625,000 | 3,967,197,000 | 4,088,428,000 |
| Total loans | 2,450,885,000 | 2,468,669,000 | 2,556,729,000 | 2,605,351,000 |
| Allowance for loan losses | 31,465,000 | 32,595,000 | 33,078,000 | 34,049,000 |
| Securities available for sale | 631,343,000 | 616,730,000 | 636,823,000 | 622,505,000 |
| Securities held to maturity | 299,534,000 | 296,267,000 | 292,536,000 | 284,093,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,317,286,000 | 3,273,050,000 | 3,330,759,000 | 3,437,069,000 |
| Interest-bearing deposits | 2,611,967,000 | 2,631,947,000 | 2,681,328,000 | 2,768,353,000 |
| Noninterest-bearing deposits | 705,319,000 | 641,103,000 | 649,431,000 | 668,716,000 |
| Equity capital | 361,606,000 | 379,239,000 | 399,017,000 | 402,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 45,347,000 | 92,640,000 | 140,275,000 | 189,499,000 |
| Interest expense | 18,950,000 | 37,866,000 | 57,169,000 | 76,879,000 |
| Net interest income | 26,397,000 | 54,774,000 | 83,106,000 | 112,620,000 |
| Noninterest income | 6,794,000 | 14,829,000 | 21,959,000 | 29,761,000 |
| Noninterest expense | 18,878,000 | 37,659,000 | 57,747,000 | 77,266,000 |
| Provision for loan losses | -141,000 | 948,000 | 1,691,000 | 2,791,000 |
| Pretax income | 13,701,000 | 30,848,000 | 46,388,000 | 63,431,000 |
| Income tax | 3,118,000 | 6,616,000 | 9,232,000 | 13,226,000 |
| Net income | 10,583,000 | 24,232,000 | 37,156,000 | 50,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 368,236,000 | 381,584,000 | 394,939,000 | 396,393,000 |
| Total capital | 403,974,000 | 417,589,000 | 430,776,000 | 432,856,000 |
| Risk-weighted assets | 2,860,620,000 | 2,880,151,000 | 2,922,114,000 | 2,966,500,000 |