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Jun 30, 2025
United Community Banks Q2 2025 Earnings Report
United Community Banks, Inc. reported its second quarter earnings for 2025, driven by margin expansion, stable credit quality, and disciplined expense control.
Key Takeaways
United Community Banks, Inc. delivered strong financial results in the second quarter of 2025, with net income increasing to $78.7 million and diluted EPS reaching $0.63. The company saw significant growth in net interest income, improved net interest margin, and stable credit quality, while also successfully completing the acquisition of American National Bank.
Net income for Q2 2025 was $78.7 million, an 18% increase from Q2 2024.
Diluted EPS was $0.63, up $0.09 from the same quarter last year, and operating diluted EPS was $0.66, up 14% year-over-year.
Total revenue reached $260 million, a 6% increase from Q2 2024, driven by higher net interest income.
Net interest margin improved by 14 basis points from the first quarter to 3.50%, reflecting a lower cost of funds and improving asset mix.
Revenue by Geographic Location
Forward Guidance
The report does not contain explicit forward-looking guidance in terms of specific financial targets or outlook for future quarters. However, the CEO's statements suggest continued positive momentum and strategic focus.
Positive Outlook
- Continued strategic accomplishments, including the successful acquisition of American National Bank.
- Growth in tangible book value per share by $0.42.
- Excluding the acquisition, loans grew by $194 million, or 4.2% annualized.
- Customer deposits, excluding seasonal public funds outflow, were up $64 million or 1.3% annualized.
- Net interest margin improved by 14 basis points, contributing to growth in net interest income.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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