Call reports 2026
UNITED COMMUNITY BANK — 2026
What UNITED COMMUNITY BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 284,537,000 | 290,042,000 |
| Total loans | 200,737,000 | 211,831,000 |
| Allowance for loan losses | 3,282,000 | 3,357,000 |
| Securities available for sale | 48,286,000 | 47,431,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 238,581,000 | 232,735,000 |
| Interest-bearing deposits | 208,916,000 | 202,142,000 |
| Noninterest-bearing deposits | 29,665,000 | 30,593,000 |
| Equity capital | 26,023,000 | 26,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 3,396,000 | 6,906,000 |
| Interest expense | 1,302,000 | 2,593,000 |
| Net interest income | 2,094,000 | 4,313,000 |
| Noninterest income | 227,000 | 446,000 |
| Noninterest expense | 1,444,000 | 2,897,000 |
| Provision for loan losses | 105,000 | 180,000 |
| Pretax income | 772,000 | 1,682,000 |
| Income tax | 32,000 | 63,000 |
| Net income | 740,000 | 1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 23,621,000 | 24,101,000 |
| Total capital | 26,146,000 | 26,751,000 |
| Risk-weighted assets | 201,203,000 | 211,304,000 |