United Community Banks, Inc. (UCB)

United Community Banks Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,134	1,147	1,043	673.4	505.73	494.21
Interest Income on Investments	242.53	230.26	194.5	139.75	73.06	63.78
Total Interest Income	1,377	1,378	1,237	813.16	578.79	558
Interest Paid on Deposits	505.34	535.52	395.57	42.1	14.85	41.77
Interest Paid on Borrowings	14.36	14.85	23.77	18.7	14.92	14.47
Total Interest Expense	519.7	550.37	419.34	60.8	29.76	56.24
Net Interest Income	857.07	827.37	817.77	752.36	549.03	501.76
Net Interest Income Growth (YoY)	5.31%	1.17%	8.69%	37.03%	9.42%	6.89%
Trust Income	19.86	23.7	23.74	23.59	19	9.24
Mortgage Banking Activities	24.75	27.57	19.22	32.52	58.45	76.09
Gain (Loss) on Sale of Investments	-5.9	-3.32	-53.33	-3.87	0.08	0.75
Other Non-Interest Income	100.99	98.09	76.71	74.73	69.02	64.61
Total Non-Interest Income	118.98	124.76	75.48	137.71	157.82	156.11
Non-Interest Income Growth (YoY)	39.92%	65.28%	-45.19%	-12.74%	1.09%	49.08%
Revenues Before Loan Losses	976.05	952.12	893.25	890.06	706.85	657.87
Provision for Loan Losses	53.05	50.95	89.43	63.91	-37.55	80.43
Revenue	922.99	901.17	803.82	826.15	744.4	577.43
Revenue Growth (YoY)	11.36%	12.11%	-2.70%	10.98%	28.92%	2.94%
Salaries and Employee Benefits	329.48	329.24	309.53	267.5	235.38	216.66
Federal Deposit Insurance	18.33	20.98	27.45	9.89	7.4	5.98
Amortization of Goodwill & Intangibles	13.49	14.6	15.18	6.83	4.05	4.17
Selling, General & Administrative	164.93	161.21	152.09	133.07	107.6	107.87
Other Non-Interest Expense	42.75	42.78	39.1	32.95	27.76	25.81
Total Non-Interest Expense	569.73	569.54	544.06	450.77	382.67	360.97
EBT Excluding Unusual Items	353.26	331.63	259.76	375.38	361.73	216.46
Pretax Income	347.86	323.01	232.55	356	347.76	209.45
Income Tax Expense	74.56	70.61	45	78.53	77.96	45.36
Net Income	273.3	252.4	187.54	277.47	269.8	164.09
Preferred Dividends & Other Adjustments	7.91	7.77	6.7	8.34	8.53	4.82
Net Income to Common	265.39	244.63	180.85	269.14	261.27	159.27
Net Income Growth	42.94%	34.58%	-32.41%	2.84%	64.42%	-11.65%
Basic Shares Outstanding	120	120	118	107	88	83
Diluted Shares Outstanding	120	120	118	107	88	83
Shares Change (YoY)	0.58%	1.83%	10.27%	21.20%	5.83%	4.44%
EPS (Basic)	2.21	2.04	1.54	2.52	2.97	1.91
EPS (Diluted)	2.20	2.04	1.54	2.52	2.97	1.91
EPS Growth	42.51%	32.66%	-38.98%	-15.15%	55.50%	-17.32%
Dividend Per Share	0.960	0.940	0.920	0.860	0.780	0.720
Dividend Growth	4.35%	2.17%	6.98%	10.26%	8.33%	5.88%
Effective Tax Rate	21.43%	21.86%	19.35%	22.06%	22.42%	21.65%

Updated Jul 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q