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Dec 31, 2025
United Community Banks Q4 2025 Earnings Report
United Community Banks reported solid fourth-quarter results driven by revenue growth and net interest margin expansion.
Key Takeaways
The company posted a net income of $86.5 million and maintained a stable EPS of $0.70. Strong loan growth and improved asset mix contributed to higher revenue and operating efficiency.
Net income for Q4 was $86.5 million, up from $75.8 million a year ago.
EPS held steady at $0.70, while adjusted EPS reached $0.71.
Total revenue grew to $278.4 million driven by loan growth and margin expansion.
Net interest margin increased 36 basis points year-over-year to 3.62%.
Revenue by Geographic Location
Forward Guidance
Management expressed confidence in continued performance strength for 2026, supported by strong economic conditions and execution across business lines.
Positive Outlook
- Healthy loan growth anticipated to continue in 2026
- Further margin expansion expected through deposit pricing discipline
- Strong economic conditions in core markets
- Continued execution across all business lines
- Improved earning asset mix and cost control
Challenges Ahead
- Higher net charge-offs in Q4
- Provision for credit losses increased from prior quarters
- Customer deposits declined by $242 million
- Noninterest expenses rose due to performance-based incentives
- Rising asset quality pressure with increase in nonaccrual loans
Historical Earnings Impact
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Avg. Return Before/After Earnings
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