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United Community Banks (UCB) investor relations material
United Community Banks Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Operating EPS reached $0.75, up 32% year-over-year, with ROA at 1.33% and return on tangible common equity at 13.6%.
Tangible book value per share increased to $21.59, up 10% year-over-year and $0.59 from Q2.
All geographic segments delivered positive loan growth, with a focus on C&I, Equipment Finance, and HELOCs.
Celebrated 75 years with a metro-focused branch network in high-growth Southeast MSAs, operating 199 offices and holding $28.1B in assets, $24.0B in deposits, and $19.2B in loans.
Recognized for customer satisfaction and workplace excellence, with multiple industry awards in 2024 and 2025.
Financial highlights
Net interest margin rose to 3.58%, up 8 basis points from Q2 and 25 bps year-over-year, driven by lower funding costs and improved asset mix.
Noninterest income was $43.2 million, up $8.5 million sequentially, including investment gains, life insurance benefits, and mortgage servicing rights.
Efficiency ratio improved to 53.1%, best since 4Q22, down 432 bps year-over-year.
Net charge-offs were 0.16% of average loans, improved from last quarter and last year.
Allowance for credit losses coverage at 1.19% of loans.
Outlook and guidance
Expect similar or slightly better loan growth in Q4, with strong pipelines and activity confirmed by credit teams.
Deposit cost improvements anticipated in Q4, with $400 million in public funds expected to flow in.
Net interest margin expected to be flat to down 2 basis points in Q4.
Operating expenses projected to be flat in Q4, with 3%-4% annual growth longer term.
Redemption of preferred stock expected to add $0.03 to EPS in 2026.
Explain the loan yield decline despite NIM growth.
What caused the rise in nonperforming assets?
How do national lending franchises contribute to growth?
Capital deployment priorities post-preferred redemption?
NIM outlook with CD and loan repricing?
C&I and HELOC loan growth sustainability?
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Next United Community Banks earnings date
Q4 202523 Jan, 2026
Next United Community Banks earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
United Community Banks Inc is a bank holding company providing a range of banking, lending, and financial services through United Community Bank. It offers consumer and commercial banking, mortgage products, and financial planning solutions, primarily in the southeastern United States. The company delivers its services through branches, ATMs, and digital platforms. United Community Banks Inc is headquartered in Blairsville, Georgia, and its shares are listed on the NASDAQ.
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