United Community Banks, Inc. reported net income of $86.5 million for Q4 2025 and annual net income of $328 million for 2025.
Diluted earnings per share increased to $0.70 for Q4 2025 and $2.62 for the full year of 2025.
The company's return on assets and common equity showed positive growth compared to the previous year.
Revenue Growth
Total revenue increased by $27.5 million, or 11%, from the previous year.
Margin Expansion
Net interest margin increased by 36 basis points to 3.62% in Q4 2025.
Loan Growth
Strong loan production led to a $209 million increase in loans, up 4.4% annually.
Cost Management
Efficiency ratio improved to 54.4% on a GAAP basis compared to the previous year.
Customer Deposits
Customer deposits decreased by $242 million from the third quarter of 2025.
- The company's strong financial performance in Q4 2025 was driven by robust revenue growth and margin expansion.
- Improvement in operational efficiency and cost management positively impacted the bottom line results.
- Despite a decrease in customer deposits, the overall financial health of United Community Banks, Inc. remains stable.
United Community Banks, Inc. ended the year 2025 on a positive note with notable growth in key financial metrics. The company's strategic focus on revenue generation and cost efficiency sets a promising trajectory for 2026.