UNITED COMMUNITY BANKS INCUCBEarnings & Financial Report
United Community is an American bank. United is one of the largest full-service financial institutions in the Southeast, with $27.7 billion in assets and 200 offices in Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. In addition to its presence in the Southeast, United Community is the largest bank headquartered in South Carolina by total asset size.
UCB Q1 2026 Key Financial Metrics
Revenue
$276.5M
Gross Profit
N/A
Operating Profit
N/A
Net Profit
$84.3M
Gross Margin
N/A
Operating Margin
N/A
Net Margin
30.5%
YoY Growth
11.6%
EPS
$0.69
Financial Flow
UNITED COMMUNITY BANKS INC Q1 2026 Financial Summary
UNITED COMMUNITY BANKS INC reported revenue of $276.5M (up 11.6% YoY) for Q1 2026, with a net profit of $84.3M (up 18.0% YoY) (30.5% margin). Cost of goods sold was N/A.
Key Financial Metrics
| Total Revenue | $276.5M |
|---|---|
| Net Profit | $84.3M |
| Gross Margin | N/A |
| Operating Margin | N/A |
| Report Period | Q1 2026 |
Revenue Breakdown
UNITED COMMUNITY BANKS INC Q1 2026 revenue of $276.5M breaks down across 12 segments, led by Deposits at $98.0M (35.5% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Deposits | $98.0M | 35.5% |
| Investment securities, including tax exempt of $1,646 and $1,678, respectively | $45.3M | 16.4% |
| Money market | $40.7M | 14.7% |
| Time | $28.7M | 10.4% |
| NOW and interest-bearing demand | $28.1M | 10.2% |
| Service charges and fees | $9.5M | 3.5% |
| Other | $8.0M | 2.9% |
| Mortgage loan gains and other related fees | $8.0M | 2.9% |
| Wealth management fees | $4.6M | 1.7% |
| Lending and loan servicing fees | $4.0M | 1.4% |
| Deposits in banks and short-term investments | $1.2M | 0.4% |
| Securities gains, net | $133.0K | 0.0% |
UNITED COMMUNITY BANKS INC Annual Revenue by Year
UNITED COMMUNITY BANKS INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.1B). Click any linked year to see what changed vs the prior annual report.
UNITED COMMUNITY BANKS INC Quarterly Revenue & Net Profit History
UNITED COMMUNITY BANKS INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 2026 | $276.5M | +11.6% | $84.3M | 30.5% |
| Q4 2025 | $278.4M | +16.3% | $86.5M | 31.1% |
| Q3 2025 | $276.8M | +36.5% | $91.5M | 33.0% |
| Q2 2025 | $260.2M | +11.7% | $78.7M | 30.3% |
| Q1 2025 | $247.7M | +9.7% | $71.4M | 28.8% |
| Q4 2024 | $239.5M | +44.5% | $75.8M | 31.7% |
| Q3 2024 | $202.8M | -0.7% | $47.3M | 23.3% |
| Q2 2024 | $233.0M | +8.9% | $66.6M | 28.6% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $233.0M | $202.8M | $239.5M | $247.7M | $260.2M | $276.8M | $278.4M | $276.5M |
| YoY Growth | 8.9% | -0.7% | 44.5% | 9.7% | 11.7% | 36.5% | 16.3% | 11.6% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $27.06B | $27.37B | $27.72B | $27.87B | $28.09B | $28.14B | $28.00B | $28.2M |
| Liabilities | $23.71B | $23.97B | $24.29B | $24.37B | $24.47B | $24.55B | $24.36B | $24.52B |
| Equity | $3.34B | $3.41B | $3.43B | $3.50B | $3.61B | $3.60B | $3.64B | $3.65B |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|
| Operating CF | $105.1M | $7.7M | $148.1M | $98.6M | $96.8M | $123.1M | $65.5M |