UCB on NYSE
UNITED COMMUNITY BANKS INC
UNITED COMMUNITY BANKS INC is a bank holding company under the BHC Act and a financial holding company under the GLB Act.2 It is headquartered in Blairsville, United States.2 Its shares trade on NYSE under the symbol UCB.2
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Last updated Oct 21, 2026.
Overview
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- 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
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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
Every line of the income statement as filed: the last 3 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| 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 shares | 119.8M shares | 117.6M shares |
| Diluted (in shares) | 121.4M shares | 119.9M shares | 117.7M shares |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $202.6M | $296.2M | ||
| Interest-bearing deposits in banks | $193.2M | $223.7M | ||
| Cash and cash equivalents | $395.8M | $519.9M | ||
| Debt securities available-for-sale | $3.8B | $4.4B | ||
| Debt securities held-to-maturity (fair value $1,918,426 and $1,944,126, respectively) | $2.2B | $2.4B | ||
| Loans held for sale | $39.4M | $57.5M | ||
| Loans and leases held for investment | $19.4B | $18.2B | ||
| Less allowance for credit losses - loans and leases | -$210.4M | -$207.0M | -$208.1M | -$159.4M |
| Loans and leases, net | $19.2B | $18.0B | ||
| Premises and equipment, net | $393.7M | $394.3M | ||
| Bank owned life insurance | $364.2M | $346.2M | ||
| Accrued interest receivable | $83.6M | $85.6M | ||
| Net deferred tax asset | $75.9M | $97.0M | ||
| Derivative financial instruments | $35.3M | $46.9M | ||
| Goodwill and other intangible assets, net | $967.9M | $956.6M | ||
| Other assets (including $72,270 and $69,137 at fair value, respectively) | $484.8M | $442.8M | ||
| Total assets | $28.0B | $27.7B | ||
| Noninterest-bearing demand | $6.3B | $6.2B | ||
| Interest-bearing deposits | $17.5B | $17.2B | ||
| Total deposits | $23.8B | $23.5B | ||
| Short-term borrowings | $85.0M | $195.0M | ||
| Long-term debt | $120.4M | $254.2M | ||
| Derivative financial instruments | $53.0M | $77.8M | ||
| Accrued expenses and other liabilities (including $16,485 and $15,331 at fair value, respectively) | $307.0M | $300.2M | ||
| Total liabilities | $24.4B | $24.3B | ||
| Preferred stock, $1 par value: 10,000,000 shares authorized; 0 and 3,662 Series I issued and outstanding; $25,000 per share liquidation preference | $0 | $88.3M | ||
| Common stock, $1 par value; 200,000,000 shares authorized, 120,598,266 and 119,364,110 shares issued and outstanding, respectively | $120.6M | $119.4M | ||
| Capital surplus | $2.8B | $2.7B | ||
| Retained earnings | $914.3M | $714.1M | ||
| Accumulated other comprehensive loss | -$150.6M | -$212.9M | ||
| Total shareholders equity | $3.6B | $3.4B | $3.3B | $2.7B |
| Total liabilities and shareholders equity | $28.0B | $27.7B | ||
| Debt securities, held-to-maturity, fair value | $1.9B | $1.9B | ||
| Other assets, fair value | $72.3M | $69.1M | ||
| Accrued expenses and other liabilities, fair value | $16.5M | $15.3M | ||
| Preferred stock, par value (in dollars per share) | $1.00 | $1.00 | ||
| Preferred stock, authorized (in shares) | 10.0M shares | 10.0M shares | ||
| Preferred stock, issued (in shares) | 0 shares | 3.7K shares | ||
| Preferred stock, outstanding (in shares) | 0 shares | 3.7K shares | ||
| Preferred stock, liquidation preference | $25.0K | $25.0K | ||
| Common stock, par value (in dollars per share) | $1.00 | $1.00 | ||
| Common stock, authorized (in shares) | 200.0M shares | 200.0M shares | ||
| Common stock, issued (in shares) | 120.6M shares | 119.4M shares | ||
| Common stock, outstanding (in shares) | 120.6M shares | 119.4M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash and due from banks | $202.6M | $296.2M | ||
| Interest-bearing deposits in banks | $193.2M | $223.7M | ||
| Cash and cash equivalents | $395.8M | $519.9M | ||
| Debt securities available-for-sale | $3.8B | $4.4B | ||
| Debt securities held-to-maturity (fair value $1,918,426 and $1,944,126, respectively) | $2.2B | $2.4B | ||
| Loans held for sale | $39.4M | $57.5M | ||
| Loans and leases held for investment | $19.4B | $18.2B | ||
| Less allowance for credit losses - loans and leases | -$210.4M | -$207.0M | -$208.1M | -$159.4M |
| Loans and leases, net | $19.2B | $18.0B | ||
| Premises and equipment, net | $393.7M | $394.3M | ||
| Bank owned life insurance | $364.2M | $346.2M | ||
| Accrued interest receivable | $83.6M | $85.6M | ||
| Net deferred tax asset | $75.9M | $97.0M | ||
| Derivative financial instruments | $35.3M | $46.9M | ||
| Goodwill and other intangible assets, net | $967.9M | $956.6M | ||
| Other assets (including $72,270 and $69,137 at fair value, respectively) | $484.8M | $442.8M | ||
| Total assets | $28.0B | $27.7B | ||
| Noninterest-bearing demand | $6.3B | $6.2B | ||
| Interest-bearing deposits | $17.5B | $17.2B | ||
| Total deposits | $23.8B | $23.5B | ||
| Short-term borrowings | $85.0M | $195.0M | ||
| Long-term debt | $120.4M | $254.2M | ||
| Derivative financial instruments | $53.0M | $77.8M | ||
| Accrued expenses and other liabilities (including $16,485 and $15,331 at fair value, respectively) | $307.0M | $300.2M | ||
| Total liabilities | $24.4B | $24.3B | ||
| Preferred stock, $1 par value: 10,000,000 shares authorized; 0 and 3,662 Series I issued and outstanding; $25,000 per share liquidation preference | $0 | $88.3M | ||
| Common stock, $1 par value; 200,000,000 shares authorized, 120,598,266 and 119,364,110 shares issued and outstanding, respectively | $120.6M | $119.4M | ||
| Capital surplus | $2.8B | $2.7B | ||
| Retained earnings | $914.3M | $714.1M | ||
| Accumulated other comprehensive loss | -$150.6M | -$212.9M | ||
| Total shareholders equity | $3.6B | $3.4B | $3.3B | $2.7B |
| Total liabilities and shareholders equity | $28.0B | $27.7B | ||
| Debt securities, held-to-maturity, fair value | $1.9B | $1.9B | ||
| Other assets, fair value | $72.3M | $69.1M | ||
| Accrued expenses and other liabilities, fair value | $16.5M | $15.3M | ||
| Preferred stock, par value (in dollars per share) | $1.00 | $1.00 | ||
| Preferred stock, authorized (in shares) | 10.0M shares | 10.0M shares | ||
| Preferred stock, issued (in shares) | 0 shares | 3.7K shares | ||
| Preferred stock, outstanding (in shares) | 0 shares | 3.7K shares | ||
| Preferred stock, liquidation preference | $25.0K | $25.0K | ||
| Common stock, par value (in dollars per share) | $1.00 | $1.00 | ||
| Common stock, authorized (in shares) | 200.0M shares | 200.0M shares | ||
| Common stock, issued (in shares) | 120.6M shares | 119.4M shares | ||
| Common stock, outstanding (in shares) | 120.6M shares | 119.4M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $328.1M | $252.4M | $187.5M |
| Depreciation, amortization and accretion, net | $46.0M | $40.9M | $45.0M |
| Provision for credit losses | $48.8M | $51.0M | $89.4M |
| Stock-based compensation | $11.4M | $10.8M | $8.9M |
| Deferred income tax expense | $10.1M | $7.2M | $6.4M |
| Securities (gains) losses, net | -$352.0K | $3.3M | $53.3M |
| (Gains) losses from other loan sales, net | -$7.9M | $21.3M | -$9.1M |
| Loss (gain) on extinguishment of debt | $768.0K | -$2.3M | $0 |
| (Increase) decrease in other assets | -$12.7M | $8.8M | -$20.5M |
| Decrease in other liabilities | -$58.3M | -$24.3M | -$49.6M |
| Decrease (increase) in loans held for sale | $18.2M | -$24.5M | -$17.3M |
| Net cash provided by operating activities | $384.0M | $349.7M | $294.0M |
| Proceeds from maturities and calls | $135.6M | $128.7M | $129.9M |
| Proceeds from sales | $547.3M | $176.7M | $880.2M |
| Proceeds from maturities and calls | $771.0M | $686.9M | $646.1M |
| Purchases | -$483.2M | -$1.9B | -$856.5M |
| Net (increase) decrease in loans | -$934.1M | $82.7M | -$996.5M |
| Payments for other investments | -$43.7M | -$112.3M | -$143.6M |
| Proceeds from other investments | $8.0M | $10.1M | $124.4M |
| Net cash received in divestitures and acquisitions | $41.2M | $8.6M | $207.6M |
| Purchases of premises and equipment | -$27.6M | -$47.0M | -$72.5M |
| Net cash paid for branch disposal | $0 | $0 | -$93.6M |
| Other investing inflows | $18.9M | $18.4M | $11.3M |
| Other investing outflows | -$41.0K | $0 | $0 |
| Net cash provided by (used in) investing activities | $33.4M | -$991.0M | -$163.3M |
| Net (decrease) increase in deposits | -$36.3M | $149.5M | $1.3B |
| Net (decrease) increase in short-term borrowings | -$110.0M | $195.0M | -$347.6M |
| Proceeds from Federal Home Loan Bank advances | $126.0M | $1.1M | $2.2B |
| Repayment of Federal Home Loan Bank advances | -$126.0M | -$1.1M | -$2.9B |
| Redemption/repurchase of preferred stock | -$91.5M | $0 | -$7.2M |
| Repayment of long-term debt | -$135.0M | -$68.6M | $0 |
| Repurchase of common stock | -$44.3M | $0 | $0 |
| Cash dividends on common stock | -$118.5M | -$112.3M | -$105.1M |
| Cash dividends on preferred stock | -$4.7M | -$6.3M | -$6.6M |
| Other financing inflows | $2.1M | $2.9M | $5.5M |
| Other financing outflows | -$3.4M | -$2.9M | -$6.3M |
| Net cash (used in) provided by financing activities | -$541.6M | $157.3M | $226.3M |
| Net change in cash and cash equivalents | -$124.1M | -$484.0M | $357.0M |
No quarter-by-quarter statement was filed.
Corporate structure
UNITED COMMUNITY BANKS INC sits at the top of its group. 15 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of UNITED COMMUNITY BANKS INC
- FMR LLC Filed SCHEDULE 13G/A on UNITED COMMUNITY BANKS INC, latest Aug 6, 2026 (4 filings since Feb 9, 2024)
- State Street Corporation Filed SCHEDULE 13G on UNITED COMMUNITY BANKS INC, latest May 12, 2026 (7 filings since Feb 10, 2022)
- VANGUARD CAPITAL MANAGEMENT LLC Filed SCHEDULE 13G on UNITED COMMUNITY BANKS INC, latest Apr 30, 2026
- VANGUARD PORTFOLIO MANAGEMENT LLC Filed SCHEDULE 13G on UNITED COMMUNITY BANKS INC, latest Apr 29, 2026
- VANGUARD GROUP INC Filed SCHEDULE 13G/A on UNITED COMMUNITY BANKS INC, latest Mar 27, 2026 (4 filings since Feb 10, 2022)
- DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G on UNITED COMMUNITY BANKS INC, latest Jan 23, 2025
- BlackRock Filed SC 13G/A on UNITED COMMUNITY BANKS INC, latest Jan 23, 2024 (4 filings since Jan 25, 2022)
- UNITED COMMUNITY BANKS INC Blairsville, Georgia, United States
- United Community Bank Blairsville, Georgia, United States
- Community First Capital Trust II Subsidiary · Delaware, United States
- FNBSM The Falls, LLC Subsidiary · Florida, United States
- Four Oaks Statutory Trust I Subsidiary · Delaware, United States
- NAVITAS CREDIT CORP. Subsidiary · Jacksonville, Florida, United States
- NLFC Reinsurance Corp. Subsidiary · Tennessee, United States
- TFG Holdings, LLC Subsidiary · Delaware, United States
- Tidelands Statutory Trust I Subsidiary · Delaware, United States
- UCB Funding Corp. Subsidiary · Georgia, United States
- United Community Development Corporation Subsidiary · Georgia, United States
- United Community Insurance, Inc. Subsidiary · Florida, United States
- United Community Investments, Inc. Subsidiary · North Carolina, United States
- United Community Payment Systems, LLC (50% owned by United Community Bank) Subsidiary · Delaware, United States
- United Community Public Finance, Inc. Subsidiary · Delaware, United States
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What UNITED COMMUNITY BANKS INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $580.2M6 Dec 31, 2025 | $573.4M6 Dec 31, 2024 | +1.2% |
| Accumulated depreciation | $186.5M6 Dec 31, 2025 | $179.1M6 Dec 31, 2024 | +4.1% |
| Property and equipment, net | $393.7M6 Dec 31, 2025 | $394.3M6 Dec 31, 2024 | −0.1% |
| Operating-lease assets (leased space) | $37.0M6 Dec 31, 2025 | $42.8M6 Dec 31, 2024 | −13.5% |
Investments
| Item | Latest | A year before | Change |
|---|---|---|---|
| Loans, net of allowance | $19.2B6 Dec 31, 2025 | $18.0B6 Dec 31, 2024 | +6.7% |
| Deposits held (banks) | $23.8B6 Dec 31, 2025 | $23.5B6 Dec 31, 2024 | +1.4% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Goodwill | $925.1M6 Dec 31, 2025 | $907.1M6 Dec 31, 2024 | +2.0% |
| Finite-lived intangibles, net | $42.8M6 Dec 31, 2025 | $49.6M10 Dec 31, 2024 | −13.7% |
Properties, in its own words
The Holding Company’s principal offices and the Bank’s headquarters, which we own, are located at 200 East Camperdown Way, Greenville, South Carolina. As of December 31, 2025, we operated 199 banking offices located throughout Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama. We do not own or lease any single physical property that we consider to be materially important to our financial condition or results from operations. Our retail branches, ATMs, ITMs, loan and mortgage production offices and administrative offices remain important to our ability to deliver financial services to a large portion of our clients. For many years, branch usage by clients has slowly declined, and as a result, we have slowly consolidated branch locations in response to changing utilization patterns. We expect that long-term trend to continue. We consider our properties to be suitable and adequate for operating our banking business. Notes 7 and 13 to our consolidated financial statements include additional information regarding investments in premises and equipment and leased properties.
Item 2 of the 10-K filed Feb 17, 2026.5
Leadership
Who has led UNITED COMMUNITY BANKS INC, and when. Pick a name to see everywhere that person has worked.
Chief executive
Chief financial officer
Chief operating officer
2010201520202025
- Chief executive officerLynn Harton Aug 14, 2018 to now14
- Chief executive officerJimmy C. Tallent Jan 3, 2006 to Feb 20, 201815
- ChairJimmy C. Tallent Feb 17, 2015 to Mar 13, 202016
- PresidentLynn Harton Feb 17, 2015 to now17
- PresidentTimothy K. Schools Nov 10, 2011 to Nov 10, 201118
- PresidentGlenn S. White May 9, 2008 to Oct 23, 201219
- PresidentJimmy C. Tallent Jan 3, 2006 to Aug 14, 201315
- Chief financial officerThomas Hardaway Speir Sep 8, 2026 to now20
- Chief financial officerJefferson L. Harralson Apr 19, 2017 to Sep 8, 202621
- Chief financial officerRex S. Schuette Feb 8, 2006 to Feb 13, 201722
- Chief operating officerLynn Harton Sep 20, 2012 to Feb 20, 201823
Board members and other officers (39)
- EVP, CAO & GCMelinda Davis Lux Feb 19, 2025 to now24
- CHIEF MARKETING OFFICERAbraham Cox May 19, 2023 to now25
- Chief Human Resources OfficerHolly N. Berry May 19, 2022 to now26
- Chief Strategy OfficerTimothy K. Schools Jan 30, 2014 to Feb 17, 201527
- SVP, RETAIL BANKINGRay K. Skinner Oct 25, 2012 to Oct 25, 201228
- SVP & TreasurerMichael J. Burke Nov 17, 2011 to Feb 17, 201529
- EVP of Risk ManagementDavid P. Shearrow Apr 17, 2007 to Feb 17, 201530
- EVP & CCORay K. Williams Feb 14, 2006 to Apr 28, 200631
- SVP & Corporate ControllerAlan H. Kumler Mar 2, 2006 to now32
- EVPCraig Metz Apr 28, 2006 to Feb 11, 201333
- Executive Vice PresidentGuy W. Freeman Apr 28, 2006 to Jun 22, 201134
- EVP, Corp Sec & General CounsThomas C. Gilliland Apr 28, 2006 to Jan 25, 200835
- Board memberCarl Steven Carande Aug 3, 2026 to now36
- Board memberSally Pope Davis Sep 4, 2024 to now37
- Board memberJennifer M. Bazante Aug 16, 2021 to now38
- Board memberJames P. Clements Aug 6, 2020 to now39
- Board memberLance Drummond Jun 28, 2018 to now40
- Board memberDavid C. Shaver Aug 15, 2016 to May 16, 202441
- Board memberDavid H. Wilkins Aug 15, 2016 to now42
- Board memberLynn Harton Feb 20, 2015 to now43
- Board memberNicholas B. Paumgarten Sep 8, 2015 to May 9, 201644
- Board memberKenneth L. Daniels Nov 16, 2015 to now45
- Board memberThomas A. Richlovsky Mar 26, 2012 to now46
- Board memberClifford Brokaw V. Iv. Apr 23, 2012 to Apr 23, 201247
- Board memberPeter E. Raskind Apr 22, 2011 to May 2, 201148
- Board memberL. Cathy Cox May 8, 2008 to Jun 3, 202149
- Board memberJohn D. Stephens Jul 18, 2007 to May 2, 201350
- Board memberJimmy C. Tallent Jan 3, 2006 to Aug 14, 201315
- Board memberTim Wallis Jan 3, 2006 to now51
- Board memberClarence W. Mason Sr. Jan 24, 2006 to Dec 12, 200752
- Board memberRobert L. Head Jr. Jan 25, 2006 to May 2, 201353
- Board memberA. William Bennett Feb 2, 2006 to Nov 4, 200954
- Board memberGuy W. Freeman Apr 28, 2006 to Jun 22, 201134
- Board memberThomas C. Gilliland Apr 28, 2006 to Jan 25, 200835
- Board memberHoyt O. Holloway Jun 27, 2006 to Apr 3, 201255
- Board memberCharles E. Hill Aug 9, 2006 to Sep 25, 200856
- Board memberW. C. Nelson Jr. Nov 16, 2006 to Jun 21, 201757
- General counselMelinda Davis Lux Mar 6, 2020 to Feb 11, 202558
- General counselBradley J. Miller Dec 3, 2014 to Feb 19, 202059
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- Community First Capital Trust II Delaware4
- FNBSM The Falls, LLC Florida4
- Four Oaks Statutory Trust I Delaware4
- NLFC Reinsurance Corp. Tennessee4
- Navitas Credit Corp. Florida4
- TFG Holdings, LLC Delaware4
- Tidelands Statutory Trust I Delaware4
- UCB Funding Corp. Georgia4
- United Community Bank South Carolina4
- United Community Development Corporation Georgia4
- United Community Insurance, Inc. Florida4
- United Community Investments, Inc. North Carolina4
- United Community Payment Systems, LLC (50% owned by United Community Bank) Delaware4
- United Community Public Finance, Inc. Delaware4
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Sep 8, 20268-K Regulation FD disclosure60
- Sep 8, 20268-K Regulation FD disclosure61
- Sep 1, 20268-K Other events62
- Aug 19, 20268-K Executive or director change; Regulation FD disclosure63
- Aug 3, 20268-K Other events64
- Aug 3, 20268-K Executive or director change; Regulation FD disclosure65
- Jul 21, 20268-K Results of operations; Regulation FD disclosure66
- Jul 10, 20268-K Other events67
- Jun 12, 20268-K Entered a material agreement; Regulation FD disclosure68
- May 15, 20268-K Shareholder vote69
- Apr 28, 20268-K Executive or director change; Regulation FD disclosure70
- Apr 21, 20268-K Other events71
- Aug 14, 2018New chief executive Lynn Harton becomes CEO14
- Jan 3, 2006New chief executive Jimmy C. Tallent becomes CEO15
- Oct 21, 1987Founded UNITED COMMUNITY BANKS INC is founded2
Calendar
Coming up
- Oct 20, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported $0.75 a share, on Oct 22, 2025.72
When it reported results
- Jul 21, 2026Reported quarterly or annual results66
- Apr 21, 2026Reported quarterly or annual results73
- Jan 14, 2026Reported quarterly or annual results74
- Oct 22, 2025Reported quarterly or annual results75
- Jul 23, 2025Reported quarterly or annual results76
- Apr 22, 2025Reported quarterly or annual results77
- Jan 22, 2025Reported quarterly or annual results78
- Oct 23, 2024Reported quarterly or annual results79
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
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:
- Sep 9, 20264 EDGAR
- Sep 8, 20268-K EDGAR
- Sep 8, 20268-K EDGAR
- Sep 8, 20263 EDGAR
- Sep 2, 20264 EDGAR
- Sep 1, 20268-K EDGAR
- Aug 19, 20268-K EDGAR
- Aug 17, 20264 EDGAR
- Aug 13, 202613F-NT EDGAR
- Aug 10, 20264 EDGAR
- Aug 6, 2026SCHEDULE 13G/A EDGAR
- Aug 5, 202610-Q EDGAR
- Aug 3, 20264 EDGAR
- Aug 3, 20263 EDGAR
- Aug 3, 20268-K EDGAR
- Aug 3, 20268-K EDGAR
- Jul 30, 20264 EDGAR
- Jul 28, 20264 EDGAR
- Jul 28, 20264 EDGAR
- 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.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 10, 2026 | Carande Carl StevenDirector | Buy | 2,101 | $35.35 | $74.3K | Form 4 |
| Jul 28, 2026 | HARRALSON JEFFERSON LEVP, CFO | Sale | 25,000 | $35.41 | $885.2K | Form 4 |
| Jul 27, 2026 | BRADSHAW RICHARDEVP, Chief Banking Officer | Sale | 1,424 | $35.09 | $50.0K | Form 4 |
| Apr 27, 2026 | BRADSHAW RICHARDEVP, Chief Banking Officer | Sale | 1,510 | $33.09 | $50.0K | Form 4 |
| Feb 18, 2026 | HARTON H LYNNPresident & CEO | Sale | 25,000 | $34.64 | $866.0K | Form 4 |
| Feb 2, 2026 | BRADSHAW RICHARDEVP, Chief Banking Officer | Sale | 1,460 | $34.17 | $49.9K | Form 4 |
| Jan 23, 2026 | KUMLER ALAN HSVP, Chief Accounting Officer | Sale | 12,043 | $35.36 | $425.8K | Form 4 |
| Oct 27, 2025 | BRADSHAW RICHARDEVP, Chief Banking Officer | Sale | 1,654 | $30.23 | $50.0K | Form 4 |
| Jul 28, 2025 | BRADSHAW RICHARDEVP, Chief Banking Officer | Sale | 1,616 | $30.94 | $50.0K | Form 4 |
| May 5, 2025 | BRADSHAW RICHARDEVP, Chief Banking Officer | Sale | 35 | $28.16 | $986 | Form 4 |
| May 2, 2025 | BRADSHAW RICHARDEVP, Chief Banking Officer | Sale | 1,750 | $28.00 | $49.0K | Form 4 |
| Apr 28, 2025 | DANIELS KENNETH LDirector | Buy | 500 | $27.23 | $13.6K | Form 4 |
| Mar 11, 2025 | Davis Sally PopeDirector | Buy | 1,800 | $28.19 | $50.7K | Form 4 |
| Feb 19, 2025 | HARTON H LYNNPresident & CEO | Sale | 3,321 | $33.29 | $110.6K | Form 4 |
| Feb 10, 2025 | HARTON H LYNNPresident & CEO | Sale | 31,679 | $33.85 | $1.1M | Form 4 |
| Jan 27, 2025 | BRADSHAW RICHARDEVP, Chief Banking Officer | Sale | 1,527 | $32.72 | $50.0K | Form 4 |
| Oct 28, 2024 | HARRALSON JEFFERSON LEVP, CFO | Sale | 10,275 | $27.76 | $285.2K | Form 4 |
| Nov 1, 2022 | BRADSHAW RICHARDEVP, Chief Banking Officer | Sale | 649 | $38.52 | $25.0K | Form 4 |
| Aug 5, 2022 | SHAVER DAVID CDirector | Sale | 1,250 | $34.18 | $42.7K | Form 4 |
| Jun 16, 2022 | DANIELS KENNETH LDirector | Buy | 500 | $28.20 | $14.1K | Form 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.
- FMR LLCSCHEDULE 13G/A, 4 filings Feb 9, 2024 to Aug 6, 202680
- State Street CorporationSCHEDULE 13G, 7 filings Feb 10, 2022 to May 12, 202681
- VANGUARD CAPITAL MANAGEMENT LLCSCHEDULE 13G, 1 filing Apr 30, 202682
- VANGUARD PORTFOLIO MANAGEMENT LLCSCHEDULE 13G, 1 filing Apr 29, 202683
- VANGUARD GROUP INCSCHEDULE 13G/A, 4 filings Feb 10, 2022 to Mar 27, 202684
- DIMENSIONAL FUND ADVISORS LPSCHEDULE 13G, 1 filing Jan 23, 202585
- BlackRockSC 13G/A, 4 filings Jan 25, 2022 to Jan 23, 202486
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | H. Lynn HartonChief Executive Officer & President | $1.1M | $6.2M87 | |
| 2025 | Richard W. BradshawChief Banking Officer | $675.0K | $2.8M87 | |
| 2025 | Jefferson L. HarralsonChief Financial Officer | $550.0K | $2.0M87 | |
| 2025 | Melinda Davis LuxChief Administrative Officer & General Counsel | $550.0K | $1.8M87 | |
| 2025 | Robert A. EdwardsChief Risk Officer | $500.0K | $1.6M87 | |
| 2024 | H. Lynn HartonChief Executive Officer & President | $1.1M | $4.9M87 | |
| 2024 | Richard W. BradshawChief Banking Officer | $650.0K | $2.1M87 | |
| 2024 | Jefferson L. HarralsonChief Financial Officer | $540.0K | $1.7M87 | |
| 2024 | Melinda Davis LuxChief Administrative Officer & General Counsel | $512.5K | $1.5M87 | |
| 2024 | Robert A. EdwardsChief Risk Officer | $482.5K | $1.2M87 | |
| 2023 | H. Lynn HartonChief Executive Officer & President | $1.1M | $3.7M87 | |
| 2023 | Richard W. BradshawChief Banking Officer | $600.0K | $1.6M87 | |
| 2023 | Jefferson L. HarralsonChief Financial Officer | $515.0K | $1.4M87 | |
| 2023 | Robert A. EdwardsChief Risk Officer | $450.0K | $1.1M87 | |
| 2023 | Melinda Davis LuxChief Administrative Officer & General Counsel | $450.0K | $946.6K87 |
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.
| Fund | Shares | Value | Share of the fund | Change |
|---|---|---|---|---|
| BlackRock, Inc. | 17,508,114 | $614.4M | 0.0% | −353,522 |
| Vanguard Portfolio Management LLC | 8,117,742 | $284.9M | 0.0% | +72,750 |
| Fmr LLC | 8,027,052 | $281.7M | 0.0% | −923,183 |
| Dimensional Fund Advisors LP | 6,641,192 | $233.0M | 0.0% | +121,060 |
| State Street Corp | 6,538,953 | $231.1M | 0.0% | +305,992 |
| Vanguard Capital Management LLC | 5,421,389 | $190.2M | 0.0% | +45,200 |
| Neuberger Berman Group LLC | 3,519,022 | $123.5M | 0.1% | +28,254 |
| Earnest Partners LLC | 3,232,896 | $113.4M | 0.4% | −124,179 |
| Geode Capital Management, LLC | 3,118,742 | $109.5M | 0.0% | +140,353 |
| Invesco Ltd. | 2,214,478 | $77.7M | 0.0% | +440,073 |
| Goldman Sachs Group Inc | 1,773,844 | $62.2M | 0.0% | −91,693 |
| Snyder Capital Management L P | 1,640,886 | $57.6M | 1.0% | −41,963 |
| Nomura Asset Management International Inc. | 1,606,581 | $56.4M | 0.1% | −118,040 |
| Bank of New York Mellon Corp | 1,572,963 | $55.2M | 0.0% | +256,712 |
| Norges Bank | 1,523,614 | $53.5M | 0.0% | New |
| Charles Schwab Investment Management Inc | 1,501,475 | $52.7M | 0.0% | +11,096 |
| Northern Trust Corp | 1,443,555 | $50.7M | 0.0% | +130,771 |
| Vaughan Nelson Investment Management, L.P. | 1,434,797 | $50.3M | 0.4% | +349,272 |
| Massachusetts Financial Services Co /ma/ | 1,406,300 | $49.3M | 0.0% | +154,043 |
| Qube Research & Technologies Ltd | 1,102,640 | $38.7M | 0.0% | +710,757 |
| BNP PARIBAS ASSET MANAGEMENT Holding S.A. | 1,052,438 | $36.9M | 0.0% | −2,824 |
| Morgan Stanley | 1,017,671 | $35.7M | 0.0% | +38,384 |
| Fisher Asset Management, LLC | 944,829 | $33.2M | 0.0% | −4,018 |
| American Century Companies Inc | 926,155 | $32.5M | 0.0% | +728,846 |
| Panagora Asset Management Inc | 874,986 | $30.7M | 0.1% | +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.
| Date | Member | Trade | Amount | Vs S&P since | Filing |
|---|---|---|---|---|---|
| May 12, 2025 | Jefferson ShreveRepublican, House | Sale | $50,001 - $100,000 | +18.0% | Report |
| Mar 31, 2025 | Jefferson ShreveRepublican, House | Buy | $15,001 - $50,000 | −16.9% | Report |
Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).
SEC filer profile
How UNITED COMMUNITY BANKS INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARUNITED COMMUNITY BANKS INC1
- CIK0000857855
- Employer ID (EIN)58-18073045
- Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company5
- Incorporated inGeorgia5
- Fiscal year endsDecember 311
- Industry code (SIC)6022 State Commercial Banks1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address200 E. Camperdown Way, Greenville, SC 296011
- Phone180082226511
- Shares outstanding120,575,503 as of Aug 3, 202612
- Public float$3.6B as of Jun 30, 20255
- AuditorPricewaterhouseCoopers LLP, Charlotte, North Carolina PCAOB ID 238; it also attests to the company’s internal control over financial reporting5
- On EDGAR sinceMay 14, 19961
- Filings2,177 in all: 4 (1,071), 8-K (277), 10-Q (92), 425 (72), 5 (63), 4/A (57), SC 13G/A (48), 3 (35)1
All 64 form types
CORRESP (30), DEF 14A (29), 10-K (27), UPLOAD (26), 424B3 (24), EFFECT (23), S-4 (23), 11-K (20), S-4/A (20), S-8 (20), 13F-NT (19), SC 13G (17), DEFA14A (13), 424B5 (12), S-8 POS (12), PRE 14A (11), FWP (10), 10-K/A (8), 10-Q/A (8), POS AM (8), S-3 (7), 424B7 (6), S-1/A (6), SCHEDULE 13G (6), S-3/A (5), S-3ASR (5), 144 (4), 424B2 (4), 8-K/A (4), ARS (4), SC 13D/A (4), 10-K405 (3), 305B2 (3), 5/A (3), 8-A12B (3), POSASR (3), REGDEX (3), RW (3), S-1 (3), SCHEDULE 13G/A (3), 424B1 (2), CERT (2), D (2), S-3D (2), 25 (1), 25-NSE (1), ARS/A (1), AW (1), DEFR14A (1), NT 10-Q (1), PRER14A (1), S-1MEF (1), S-3DPOS (1), S-3MEF (1), S-4MEF (1), SC 13D (1)
- Latest filingsAnnual report (10-K) Feb 17, 2026
Quarterly report (10-Q) Aug 5, 2026
Proxy statement (DEF 14A) Apr 1, 2026
Latest 8-K (8-K) Sep 8, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common stock, par value $1 per share | UCB | New York Stock Exchange |
From the cover page of the 10-K filed Feb 17, 2026 (Section 12(b) of the Exchange Act).5
Risk factors and legal proceedings
The risks UNITED COMMUNITY BANKS INC names in Item 1A of its 10-K filed Feb 17, 2026: 45 risks under these headings, as written.5
- We may be unable to successfully implement our strategy to grow our banking businesses.
- Failure to achieve one or more key elements needed for successful business acquisitions (including the integration of those businesses) could adversely affect our business and earnings.
- Failure to achieve one or more key elements needed for successful organic growth could adversely affect our business and earnings.
- We are subject to intense competition for clients and the nature of that competition is rapidly evolving.
- Failure to keep pace with technological changes could adversely affect our business.
- Our traditional approach to customer service, which is highly effective when executed in a physical branch with in-person interactions, may be less effective as customer habits and preferences evolve.
- The nature of technology-driven disruption to our industry is changing, in some cases seeking to displace traditional financial service providers rather than merely enhance traditional services or their delivery.
- Fraud is a major, and increasing, operational risk for financial institutions.
- Our ability to conduct and grow our businesses depends in part upon our ability to create, maintain, expand, and evolve an appropriate operational and organizational infrastructure, manage expenses, and recruit and retain personnel with the ability to manage a complex business.
- A serious information technology security (cybersecurity) breach can cause significant damage and may be difficult to detect even after it occurs.
- Cyberattacks are increasing in number and sophistication and we may be unable to anticipate or prevent such attacks.
- We may be adversely affected by disruptions in information technology and telecommunications systems on which we rely, including those of third-party service providers where we may have limited or no control over operational functionality.
The other 33 risks
- Our risk management framework may not be effective in mitigating risks and/or losses.
- We may not be able to attract and retain management-level and specialized talent.
- Our inability to retain and attract experienced bankers could negatively affect our growth.
- Our accounting estimates and risk management processes rely on analytical and forecasting models.
- Inflationary pressures present a potential threat to our results of operations and financial condition.
- Generally, in periods of economic volatility, our realized credit losses increase, demand for our products and services declines, and the credit quality of our loan portfolio declines.
- Federal Reserve strategies can, and often are intended to, affect the domestic money supply, inflation, interest rates, and the shape of the yield curve.
- We are subject to interest rate risk because a significant portion of our business involves borrowing and lending money, and investing in financial instruments.
- High volatility in the yield curve, including sharp movements on and changes in the slope of the curve, can complicate or reduce the efficacy of our balance sheet management practices. Significant changes in the yield curve may also reduce our net interest margin and adversely affect our loan and investment portfolios.
- Our ability to conduct and grow our businesses, and to obtain and retain clients, is highly dependent upon external perceptions of our business practices and financial stability.
- We face the risk that our clients may not repay their loans or other obligations and that the realizable value of collateral may be insufficient to avoid a charge-off.
- We are exposed to higher credit and concentration risk from our CRE, commercial and industrial and commercial construction lending.
- If our allowance for credit losses is not large enough to cover losses in our loan portfolio, our results of operations and financial condition could be materially and adversely affected.
- We are subject to a challenging regulatory environment that restricts our activities.
- Failure to maintain certain regulatory capital levels and ratios could result in regulatory actions that would be materially adverse to our shareholders.
- Political dysfunction and volatility within the federal government, both at the regulatory and Congressional level, creates significant potential for major and abrupt shifts in federal policy regarding bank regulation, taxes, and the economy, any of which could have significant and adverse impacts on our business and financial performance.
- Legal disputes are an unavoidable part of business, and the outcome of pending or threatened litigation cannot be predicted with any certainty.
- Data privacy is becoming a major business and political concern. The laws governing it are new, and are likely to evolve and expand.
- Liquidity is essential to our business model and a lack of liquidity, or an increase in the cost of liquidity, could materially impair our ability to fund our operations and jeopardize our results of operation, financial condition and cash flows.
- A downgrade of our credit rating could limit our access to borrowings and increase our borrowing costs.
- The proportion of our deposit account balances that exceed FDIC insurance limits may expose us to enhanced liquidity risk in times of financial distress.
- The preparation of our consolidated financial statements in conformity with GAAP requires management to make significant assumptions, estimates and judgments that affect the financial statements.
- In addition, changes in accounting standards or interpretations could negatively affect our reported earnings and financial condition.
- We could be subject to changes in tax laws, regulations and interpretations or challenges to our income tax provision.
- Our internal controls and procedures may fail or be circumvented.
- We are subject to risks of operating in various jurisdictions.
- Natural disasters and weather-related events, exacerbated by climate change, could have a negative impact on our results of operations and financial condition.
- The inability of our subsidiaries to declare and pay dividends or other distributions to the Holding Company could adversely affect its liquidity and ability to declare and pay dividends.
- Holders of our indebtedness have rights that are senior to those of our common shareholders.
- Our stock price can be volatile.
- Our corporate organizational documents and the provisions of Georgia law to which we are subject contain certain provisions that could have an anti-takeover effect and may delay, make more difficult or prevent an attempted acquisition of United that you may favor.
- Our stockholders may suffer dilution if we raise capital through public or private equity financings to fund our operations, to increase our capital, or to expand.
- Pandemics and disease outbreaks, acts of terrorism and other adverse external events may lead to periods of significant volatility in financial and other markets, and could adversely affect our ability to conduct normal business and could harm our clients, businesses, financial condition and results of operations.
Legal proceedings
In the ordinary course of operations, we are parties to various legal proceedings and periodic regulatory examinations and investigations. There are no material pending legal proceedings to which we or any of our properties are subject.
The opening of Item 3, Legal Proceedings.5
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- 8
- 9
- 10
- 11
- 12
- 13
- 14SEC EDGARLynn Harton, Chief executive officer
- 15
- 16SEC EDGARJimmy C. Tallent, Chair
- 17SEC EDGARLynn Harton, President
- 18SEC EDGARTimothy K. Schools, President
- 19SEC EDGARGlenn S. White, President
- 20
- 21
- 22
- 23SEC EDGARLynn Harton, Chief operating officer
- 24SEC EDGARMelinda Davis Lux, EVP, CAO & GC
- 25SEC EDGARAbraham Cox, CHIEF MARKETING OFFICER
- 26
- 27
- 28SEC EDGARRay K. Skinner, SVP, RETAIL BANKING
- 29SEC EDGARMichael J. Burke, SVP & Treasurer
- 30
- 31SEC EDGARRay K. Williams, EVP & CCO
- 32
- 33SEC EDGARCraig Metz, EVP
- 34
- 35
- 36SEC EDGARCarl Steven Carande, Board member
- 37SEC EDGARSally Pope Davis, Board member
- 38SEC EDGARJennifer M. Bazante, Board member
- 39SEC EDGARJames P. Clements, Board member
- 40SEC EDGARLance Drummond, Board member
- 41SEC EDGARDavid C. Shaver, Board member
- 42SEC EDGARDavid H. Wilkins, Board member
- 43SEC EDGARLynn Harton, Board member
- 44SEC EDGARNicholas B. Paumgarten, Board member
- 45SEC EDGARKenneth L. Daniels, Board member
- 46SEC EDGARThomas A. Richlovsky, Board member
- 47SEC EDGARClifford Brokaw V. Iv., Board member
- 48SEC EDGARPeter E. Raskind, Board member
- 49SEC EDGARL. Cathy Cox, Board member
- 50SEC EDGARJohn D. Stephens, Board member
- 51SEC EDGARTim Wallis, Board member
- 52SEC EDGARClarence W. Mason Sr., Board member
- 53SEC EDGARRobert L. Head Jr., Board member
- 54SEC EDGARA. William Bennett, Board member
- 55SEC EDGARHoyt O. Holloway, Board member
- 56SEC EDGARCharles E. Hill, Board member
- 57SEC EDGARW. C. Nelson Jr., Board member
- 58SEC EDGARMelinda Davis Lux, General counsel
- 59SEC EDGARBradley J. Miller, General counsel
- 60SEC EDGARRegulation FD disclosure
- 61SEC EDGARRegulation FD disclosure
- 62SEC EDGAROther events
- 63
- 64SEC EDGAROther events
- 65
- 66
- 67SEC EDGAROther events
- 68
- 69SEC EDGARShareholder vote
- 70
- 71SEC EDGAROther events
- 72NasdaqNasdaq calendar
- 73
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