UCB on NYSE

UNITED COMMUNITY BANKS INC

United Community Banks, Inc., headquartered in Greenville, South Carolina, is a bank holding company under the BHC Act and a financial holding company under the GLB Act.5 From its latest annual report

Price unavailable

Last updated Oct 19, 2026.

Overview

Compare with Associated Banc-Corp, First BanCorp or GBank Financial Holdings Inc., or pick any stock.

  • TickerUCB on NYSE2
  • IndustryState Commercial Banks2
  • HeadquartersBlairsville, United States2
  • Incorporated inGA3
  • Business address200 E. Camperdown Way, Greenville, Sc 296013
  • Filer categoryLarge accelerated filer3
  • Legal formProfit Corporation2
  • LEI549300GVW0FV66X3U7032
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O C T Corporation System, 30046 Lawrenceville, United States2
  • Registered withGeorgia Secretary of State Corporations Division, J7236852

See how the biggest companies compare on our leaderboards

United Community Banks, Inc., headquartered in Greenville, South Carolina, is a bank holding company under the BHC Act and a financial holding company under the GLB Act. We provide diversified financial services primarily through our principal subsidiary, United Community Bank, a South Carolina state-chartered bank. We have grown through a combination of strategic acquisitions and organic growth throughout Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama as well as nationally through our SBA/USDA lending and equipment finance businesses. As of December 31, 2025, we had consolidated total assets of $28.0 billion.5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

30.9%Net margin6
11.7%Revenue growth, 20256
9.0%Return on equity6
0.03×Debt to equity6
$356.5MFree cash flow6

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs60¢$640.7M
  • Income tax9¢$94.3M
  • Profit31¢$328.1M

Out of $1.1B in revenue.6

Where each dollar of operating cash went, fiscal 2025

  • Capital spending7¢$27.6M
  • Dividends paid31¢$118.5M
  • Share buybacks12¢$44.3M
  • Kept or used elsewhere50¢$193.7M

Out of $384.0M of cash from operations.6

Financial statements

Revenue789106$1.1B in 2025+90% since 2019
0$500.0M$1.0B$1.5B2019: $561.0M$561.0M20192020: $577.4M$577.4M2020+3%2021: $744.4M$744.4M2021+29%2022: $826.2M$826.2M2022+11%2023: $893.2M$893.2M2023+8%2024: $952.1M$952.1M2024+7%2025: $1.1B$1.1B2025+12%
Net income789106$328.1M in 2025+77% since 2019
0$100.0M$200.0M$300.0M$400.0M2019: $185.7M$185.7M20192020: $164.1M$164.1M2020−12%2021: $269.8M$269.8M2021+64%2022: $277.5M$277.5M2022+3%2023: $187.5M$187.5M2023−32%2024: $252.4M$252.4M2024+35%2025: $328.1M$328.1M2025+30%

Every line of the income statement as filed: the last 3 fiscal years, latest first.6

Period ending2025-12-312024-12-312023-12-31
Loans, including fees$1.2B$1.1B$1.0B
Taxable$209.8M$199.8M$162.5M
Tax exempt$6.7M$6.8M$7.3M
Deposits in banks and short-term investments$13.2M$23.6M$24.7M
Total interest revenue$1.4B$1.4B$1.2B
Deposits$463.8M$535.5M$395.6M
Short-term borrowings$1.2M$131.0K$3.2M
Federal Home Loan Bank advances$433.0K$0$5.8M
Long-term debt$8.4M$14.7M$14.8M
Total interest expense$473.8M$550.4M$419.3M
Net interest revenue$909.1M$827.4M$817.8M
Wealth management fees$18.9M$23.7M$23.7M
Net gains (losses) from sale of other loans$7.9M-$21.3M$9.1M
Other lending and loan servicing fees$16.4M$14.4M$14.0M
Securities gains (losses), net$352.0K-$3.3M-$53.3M
Other$43.7M$42.7M$24.3M
Total noninterest income$154.0M$124.8M$75.5M
Total revenue$1.1B$952.1M$893.2M
Provision for credit losses$48.8M$51.0M$89.4M
Salaries and employee benefits$354.5M$340.0M$318.5M
Occupancy$45.0M$44.3M$42.6M
Communications and equipment$55.2M$49.2M$43.3M
Professional fees$24.6M$24.7M$26.7M
FDIC assessments and other regulatory charges$19.0M$21.0M$27.4M
Lending and loan servicing expense$8.8M$8.4M$9.7M
Outside services - electronic banking$13.4M$13.7M$11.6M
Postage, printing and supplies$10.7M$9.9M$9.5M
Advertising and public relations$9.6M$8.5M$9.5M
Amortization of intangibles$13.1M$14.6M$15.2M
Merger-related and other charges$10.2M$8.6M$27.2M
Other$28.0M$35.1M$30.1M
Total noninterest expense$591.9M$578.2M$571.3M
Income before income taxes$422.4M$323.0M$232.5M
Income tax expense$94.3M$70.6M$45.0M
Net income$328.1M$252.4M$187.5M
Net income available to common shareholders, basic$318.2M$244.6M$180.8M
Net income available to common shareholders, diluted$318.2M$244.6M$180.8M
Basic (in dollars per share)$2.62$2.04$1.54
Diluted (in dollars per share)$2.62$2.04$1.54
Basic (in shares)121.3M shares119.8M shares117.6M shares
Diluted (in shares)121.4M shares119.9M shares117.7M shares

Compare UNITED COMMUNITY BANKS INC with another company

Leadership

Who has led UNITED COMMUNITY BANKS INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Jimmy C. Tallent2006–2018
  2. Lynn Harton2018–now

Chair

  1. Jimmy C. Tallent2015–2020

President

  1. Jimmy C. Tallent2006–2013
  2. Glenn S. White2008–2012
  3. Timothy K. Schools2011
  4. Lynn Harton2015–now

Chief financial officer

  1. Rex S. Schuette2006–2017
  2. Jefferson L. Harralson2017–2026
  3. Thomas Hardaway Speir2026–now

Chief operating officer

  1. Lynn Harton2012–2018
2010201520202025
Board members and other officers (39)

Subsidiaries and ownership

Subsidiaries (GLEIF)

Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record.

Timeline

  1. Aug 14, 2018New chief executive Lynn Harton becomes CEO14
  2. Jan 3, 2006New chief executive Jimmy C. Tallent becomes CEO15
  3. Oct 21, 1987Founded UNITED COMMUNITY BANKS INC is founded2

Filings

501 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 60 major events, 264 insider forms, 22 large holders, 135 other. The latest 20:

  1. Sep 9, 20264 EDGAR
  2. Sep 8, 20268-K EDGAR
  3. Sep 8, 20268-K EDGAR
  4. Sep 8, 20263 EDGAR
  5. Sep 2, 20264 EDGAR
  6. Sep 1, 20268-K EDGAR
  7. Aug 19, 20268-K EDGAR
  8. Aug 17, 20264 EDGAR
  9. Aug 13, 202613F-NT EDGAR
  10. Aug 10, 20264 EDGAR
  11. Aug 6, 2026SCHEDULE 13G/A EDGAR
  12. Aug 5, 202610-Q EDGAR
  13. Aug 3, 20264 EDGAR
  14. Aug 3, 20263 EDGAR
  15. Aug 3, 20268-K EDGAR
  16. Aug 3, 20268-K EDGAR
  17. Jul 30, 20264 EDGAR
  18. Jul 28, 20264 EDGAR
  19. Jul 28, 20264 EDGAR
  20. Jul 28, 20264 EDGAR

The 501 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

24 open-market trades by officers, directors and large owners since October 2021: 5 buys and 19 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 10, 2026Carande Carl StevenDirectorBuy2,101$35.35$74.3KForm 4
Jul 28, 2026HARRALSON JEFFERSON LEVP, CFOSale25,000$35.41$885.2KForm 4
Jul 27, 2026BRADSHAW RICHARDEVP, Chief Banking OfficerSale1,424$35.09$50.0KForm 4
Apr 27, 2026BRADSHAW RICHARDEVP, Chief Banking OfficerSale1,510$33.09$50.0KForm 4
Feb 18, 2026HARTON H LYNNPresident & CEOSale25,000$34.64$866.0KForm 4
Feb 2, 2026BRADSHAW RICHARDEVP, Chief Banking OfficerSale1,460$34.17$49.9KForm 4
Jan 23, 2026KUMLER ALAN HSVP, Chief Accounting OfficerSale12,043$35.36$425.8KForm 4
Oct 27, 2025BRADSHAW RICHARDEVP, Chief Banking OfficerSale1,654$30.23$50.0KForm 4
Jul 28, 2025BRADSHAW RICHARDEVP, Chief Banking OfficerSale1,616$30.94$50.0KForm 4
May 5, 2025BRADSHAW RICHARDEVP, Chief Banking OfficerSale35$28.16$986Form 4
May 2, 2025BRADSHAW RICHARDEVP, Chief Banking OfficerSale1,750$28.00$49.0KForm 4
Apr 28, 2025DANIELS KENNETH LDirectorBuy500$27.23$13.6KForm 4
Mar 11, 2025Davis Sally PopeDirectorBuy1,800$28.19$50.7KForm 4
Feb 19, 2025HARTON H LYNNPresident & CEOSale3,321$33.29$110.6KForm 4
Feb 10, 2025HARTON H LYNNPresident & CEOSale31,679$33.85$1.1MForm 4
Jan 27, 2025BRADSHAW RICHARDEVP, Chief Banking OfficerSale1,527$32.72$50.0KForm 4
Oct 28, 2024HARRALSON JEFFERSON LEVP, CFOSale10,275$27.76$285.2KForm 4
Nov 1, 2022BRADSHAW RICHARDEVP, Chief Banking OfficerSale649$38.52$25.0KForm 4
Aug 5, 2022SHAVER DAVID CDirectorSale1,250$34.18$42.7KForm 4
Jun 16, 2022DANIELS KENNETH LDirectorBuy500$28.20$14.1KForm 4

All 24 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.17,508,114$614.4M0.0%−353,522
Vanguard Portfolio Management LLC8,117,742$284.9M0.0%+72,750
Fmr LLC8,027,052$281.7M0.0%−923,183
Dimensional Fund Advisors LP6,641,192$233.0M0.0%+121,060
State Street Corp6,538,953$231.1M0.0%+305,992
Vanguard Capital Management LLC5,421,389$190.2M0.0%+45,200
Neuberger Berman Group LLC3,519,022$123.5M0.1%+28,254
Earnest Partners LLC3,232,896$113.4M0.4%−124,179
Geode Capital Management, LLC3,118,742$109.5M0.0%+140,353
Invesco Ltd.2,214,478$77.7M0.0%+440,073
Goldman Sachs Group Inc1,773,844$62.2M0.0%−91,693
Snyder Capital Management L P1,640,886$57.6M1.0%−41,963
Nomura Asset Management International Inc.1,606,581$56.4M0.1%−118,040
Bank of New York Mellon Corp1,572,963$55.2M0.0%+256,712
Norges Bank1,523,614$53.5M0.0%New
Charles Schwab Investment Management Inc1,501,475$52.7M0.0%+11,096
Northern Trust Corp1,443,555$50.7M0.0%+130,771
Vaughan Nelson Investment Management, L.P.1,434,797$50.3M0.4%+349,272
Massachusetts Financial Services Co /ma/1,406,300$49.3M0.0%+154,043
Qube Research & Technologies Ltd1,102,640$38.7M0.0%+710,757
BNP PARIBAS ASSET MANAGEMENT Holding S.A.1,052,438$36.9M0.0%−2,824
Morgan Stanley1,017,671$35.7M0.0%+38,384
Fisher Asset Management, LLC944,829$33.2M0.0%−4,018
American Century Companies Inc926,155$32.5M0.0%+728,846
Panagora Asset Management Inc874,986$30.7M0.1%+458,884

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

2 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
May 12, 2025Jefferson ShreveRepublican, HouseSale$50,001 - $100,000+18.0%Report
Mar 31, 2025Jefferson ShreveRepublican, HouseBuy$15,001 - $50,000−16.9%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19
  20. 20
  21. 21
  22. 22
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27
  28. 28
  29. 29
  30. 30
  31. 31
  32. 32
  33. 33
  34. 34
  35. 35
  36. 36
  37. 37
  38. 38
  39. 39
  40. 40
  41. 41
  42. 42
  43. 43
  44. 44
  45. 45
  46. 46
  47. 47
  48. 48
  49. 49
  50. 50
  51. 51
  52. 52
  53. 53
  54. 54
  55. 55
  56. 56
  57. 57
  58. 58
  59. 59
  60. 60
  61. 61
  62. 62
  63. 63
  64. 64
  65. 65