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 | 276,476,000 | 286,978,000 | 284,602,000 | 289,307,000 |
| Total loans | 206,413,000 | 213,176,000 | 212,689,000 | 197,373,000 |
| Allowance for loan losses | 2,862,000 | 2,967,000 | 3,072,000 | 3,177,000 |
| Securities available for sale | 47,578,000 | 48,920,000 | 47,494,000 | 44,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,802,000 | 216,092,000 | 233,196,000 | 241,400,000 |
| Interest-bearing deposits | 198,405,000 | 187,580,000 | 203,503,000 | 210,532,000 |
| Noninterest-bearing deposits | 27,397,000 | 28,512,000 | 29,693,000 | 30,868,000 |
| Equity capital | 23,760,000 | 24,385,000 | 25,152,000 | 25,697,000 |
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 | 3,111,000 | 6,395,000 | 9,800,000 | 13,208,000 |
| Interest expense | 1,383,000 | 2,856,000 | 4,341,000 | 5,788,000 |
| Net interest income | 1,728,000 | 3,539,000 | 5,459,000 | 7,420,000 |
| Noninterest income | 213,000 | 445,000 | 706,000 | 994,000 |
| Noninterest expense | 1,376,000 | 2,794,000 | 4,156,000 | 5,686,000 |
| Provision for loan losses | 75,000 | 180,000 | 285,000 | 390,000 |
| Pretax income | 491,000 | 1,011,000 | 1,725,000 | 2,339,000 |
| Income tax | 19,000 | 38,000 | 56,000 | 97,000 |
| Net income | 472,000 | 973,000 | 1,669,000 | 2,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,266,000 | 22,492,000 | 22,903,000 | 23,206,000 |
| Total capital | 24,834,000 | 25,170,000 | 25,573,000 | 25,690,000 |
| Risk-weighted assets | 205,154,000 | 213,924,000 | 213,177,000 | 198,024,000 |