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Sep 30, 2025
United Community Banks Q3 2025 Earnings Report
Reported strong Q3 2025 results with solid loan growth, margin expansion, and improved profitability metrics.
Key Takeaways
United Community Banks delivered higher revenue and EPS in Q3 2025, driven by net interest margin expansion and reduced credit loss provision. Operating performance ratios improved significantly year-over-year.
Total revenue rose to $276.8 million, up 27% YoY.
Net income increased to $91.5 million, with EPS at $0.70 and operating EPS at $0.75.
Return on assets improved to 1.29%, or 1.33% on an operating basis.
Loan portfolio grew by $254 million, reaching $19.2 billion at quarter-end.
Revenue by Geographic Location
Forward Guidance
No explicit forward EPS guidance was provided, but management indicated continued focus on growth and profitability with positive trends in deposits, margins, and asset quality.
Positive Outlook
- Loan growth of $254 million, or 5.4% annualized
- Customer deposits (ex. public funds) up $137 million
- Net interest margin expanded by 8 bps to 3.58%
- Operating efficiency ratio improved to 53.1%
- Tangible book value per share increased $0.59 QoQ
Challenges Ahead
- Noninterest expense rose by $2.9 million sequentially
- Slight increase in nonperforming assets to 0.35% of total assets
- Allowance for credit losses to loans declined to 1.19%
- Continued pressure on wealth management fee income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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