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United Community Banks, Inc.(UCB) - 2025 Q2 - Earnings Call Presentation
2025-07-23 13:00

Financial Performance - The company reported GAAP diluted earnings per share of $0.63, a 17% year-over-year improvement[11] - Operating diluted earnings per share reached $0.66, reflecting a 14% year-over-year increase[11] - Return on assets (ROA) under GAAP was 1.11%, up 14 bps year-over-year, while operating ROA was 1.16%, up 12 bps year-over-year[11] - Net interest margin (NIM) increased by 13 bps year-over-year to 3.50%[11] - Tangible book value (TBV) per share grew by 10% year-over-year to $21.00[11] Balance Sheet and Capital - Total assets reached $28.1 billion[9] - Total deposits amounted to $24.0 billion[9] - Total loans reached $18.9 billion[9] - The Common Equity Tier 1 (CET1) Risk-Based Capital (RBC) ratio was 13.3%[9] Deposit and Loan Growth - Customer deposits increased by $124 million in 2Q25[18] - Noninterest-bearing DDA grew by $125 million in 2Q25[22] - Total loans reached $18.9 billion, with annualized loan growth of 4.2% excluding ANB[25, 27]