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 | 27,826,806,000 | 28,042,982,000 | 28,087,547,000 | 27,929,114,000 |
| Total loans | 18,462,710,000 | 18,958,018,000 | 19,209,596,000 | 19,423,699,000 |
| Allowance for loan losses | 211,974,000 | 216,500,000 | 215,791,000 | 210,429,000 |
| Securities available for sale | 4,307,719,000 | 4,061,397,000 | 3,875,846,000 | 3,739,787,000 |
| Securities held to maturity | 2,338,571,000 | 2,306,730,000 | 2,274,099,000 | 2,237,355,000 |
| Trading assets | 21,166,000 | 22,667,000 | 22,669,000 | 20,935,000 |
| Total deposits | 24,241,174,000 | 24,386,841,000 | 24,413,249,000 | 24,136,285,000 |
| Interest-bearing deposits | 17,897,448,000 | 17,914,863,000 | 17,899,728,000 | 17,809,248,000 |
| Noninterest-bearing deposits | 6,343,726,000 | 6,471,978,000 | 6,513,521,000 | 6,327,037,000 |
| Equity capital | 3,275,458,000 | 3,358,442,000 | 3,381,511,000 | 3,391,455,000 |
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 | 335,070,000 | 682,148,000 | 1,035,695,000 | 1,381,823,000 |
| Interest expense | 121,353,000 | 241,572,000 | 360,893,000 | 468,816,000 |
| Net interest income | 213,717,000 | 440,576,000 | 674,802,000 | 913,007,000 |
| Noninterest income | 35,499,000 | 70,608,000 | 110,143,000 | 149,258,000 |
| Noninterest expense | 139,306,000 | 285,401,000 | 433,963,000 | 584,222,000 |
| Provision for loan losses | 14,583,000 | 26,083,000 | 33,050,000 | 44,107,000 |
| Pretax income | 94,497,000 | 198,839,000 | 316,179,000 | 429,589,000 |
| Income tax | 19,920,000 | 42,950,000 | 69,689,000 | 96,443,000 |
| Net income | 74,577,000 | 155,889,000 | 246,490,000 | 333,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,516,229,000 | 2,569,206,000 | 2,583,132,000 | 2,582,475,000 |
| Total capital | 2,726,287,000 | 2,783,709,000 | 2,799,568,000 | 2,797,549,000 |
| Risk-weighted assets | 19,840,404,000 | 20,385,881,000 | 20,696,806,000 | 20,931,562,000 |