Core Insights - United Community Banks, Inc. reported a net income of $86.5 million for Q4 2025, with diluted earnings per share (EPS) of $0.70, reflecting a year-over-year increase of $0.09 and flat compared to Q3 2025 [1][8] - For the full year 2025, net income reached $328 million, with diluted EPS of $2.62, an increase of 28% from $2.04 in 2024, driven by revenue growth and the absence of a one-time loss [1][8] Financial Performance - Q4 2025 total revenue was $278.4 million, an increase of $27.5 million or 11% from the previous year [8] - The net interest margin improved to 3.62%, up 36 basis points year-over-year, attributed to lower funding costs and an improved asset mix [8][11] - For the full year 2025, total revenue was $1.06 billion, a 12% increase from $952 million in 2024 [8] Earnings and Returns - The return on assets (ROA) for Q4 2025 was 1.21%, up from 1.06% in Q4 2024, while the return on common equity (ROE) was 9.5% [3][8] - Operating return on assets was 1.22% for Q4 2025, with a pre-tax, pre-provision return on assets of 1.78% [3][11] Credit Quality - Net charge-offs for Q4 2025 were $16.4 million, or 0.34% of average loans, compared to 0.21% in Q4 2024 [5][14] - Nonperforming assets (NPAs) were 0.33% of total assets, slightly improved from 0.35% in Q3 2025 [5][14] Shareholder Actions - The company repurchased 1 million shares at an average price of $29.84 per share during Q4 2025 [4][8] - A quarterly common dividend of $0.25 per share was declared, representing a 4% increase year-over-year [8][11] Loan Portfolio - Total loans increased by $209 million, or 4.4% annualized, from Q3 2025, reaching $19.384 billion [12][13] - The composition of the loan portfolio showed growth in owner-occupied commercial real estate and commercial & industrial loans [12][13]
United Community Banks, Inc. Reports Fourth Quarter Earnings