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 | 350,287,000 | 346,496,000 | 351,554,000 | 354,056,000 |
| Total loans | 203,883,000 | 208,851,000 | 208,357,000 | 212,197,000 |
| Allowance for loan losses | 3,220,000 | 3,177,000 | 3,142,000 | 3,142,000 |
| Securities available for sale | 88,392,000 | 86,123,000 | 87,980,000 | 95,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,332,000 | 318,901,000 | 320,980,000 | 321,999,000 |
| Interest-bearing deposits | 307,380,000 | 303,266,000 | 303,696,000 | 306,230,000 |
| Noninterest-bearing deposits | 15,952,000 | 15,635,000 | 17,284,000 | 15,769,000 |
| Equity capital | 23,683,000 | 24,175,000 | 26,969,000 | 28,846,000 |
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 | 4,336,000 | 8,779,000 | 13,360,000 | 17,919,000 |
| Interest expense | 1,609,000 | 3,210,000 | 4,845,000 | 6,466,000 |
| Net interest income | 2,727,000 | 5,569,000 | 8,515,000 | 11,453,000 |
| Noninterest income | 355,000 | 814,000 | 1,242,000 | 1,746,000 |
| Noninterest expense | 2,241,000 | 4,529,000 | 6,645,000 | 9,041,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 841,000 | 1,754,000 | 3,012,000 | 4,058,000 |
| Income tax | 17,000 | 158,000 | 237,000 | 307,000 |
| Net income | 824,000 | 1,596,000 | 2,775,000 | 3,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,609,000 | 36,329,000 | 37,192,000 | 37,950,000 |