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 | 632,781,000 | 649,064,000 | 663,883,000 | 681,188,000 |
| Total loans | 517,324,000 | 512,497,000 | 520,820,000 | 511,000,000 |
| Allowance for loan losses | 16,663,000 | 16,681,000 | 16,672,000 | 16,376,000 |
| Securities available for sale | 44,948,000 | 44,804,000 | 44,704,000 | 44,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,508,000 | 527,904,000 | 544,195,000 | 559,734,000 |
| Interest-bearing deposits | 359,415,000 | 372,670,000 | 382,885,000 | 406,766,000 |
| Noninterest-bearing deposits | 164,093,000 | 155,234,000 | 161,310,000 | 152,968,000 |
| Equity capital | 95,904,000 | 97,276,000 | 99,363,000 | 98,394,000 |
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 | 9,690,000 | 19,809,000 | 30,638,000 | 41,235,000 |
| Interest expense | 1,706,000 | 3,626,000 | 5,818,000 | 8,161,000 |
| Net interest income | 7,984,000 | 16,183,000 | 24,820,000 | 33,074,000 |
| Noninterest income | 623,000 | 1,047,000 | 1,859,000 | 3,261,000 |
| Noninterest expense | 5,605,000 | 11,883,000 | 18,373,000 | 24,198,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,002,000 | 5,347,000 | 8,306,000 | 12,137,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,002,000 | 5,347,000 | 8,306,000 | 12,137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,864,000 | 99,896,000 | 101,544,000 | 100,356,000 |