2025-10-22 13:00Financial Highlights - United Community Bank reported diluted earnings per share (EPS) of $0.70 (GAAP) and $0.75 (operating) in 3Q25[12] - The bank's return on assets (ROA) was 1.29% (GAAP) and 1.33% (operating) in 3Q25[12, 14] - The net interest margin (NIM) increased by 8 bps to 3.58% in 3Q25[12, 44] - Tangible book value (TBV) per share increased to $21.59, a 10% year-over-year improvement[12] Balance Sheet - Total assets reached $28.1 billion, with total deposits at $24.0 billion and total loans at $19.2 billion[10] - Customer deposits grew by $58 million from 2Q25, or 10% annualized[24] - Loan growth was $254 million, or 54% annualized[30] - The bank's CET1 RBC ratio stood at 134%[10, 41] Income Statement - Noninterest income increased to $432 million[47] - The operating efficiency ratio improved to 531%, driven by higher revenue growth[14, 55] Credit Quality - Net charge-offs were $77 million, representing 016% of average loans[60] - The allowance for credit losses (ACL) stood at $228276 million, with an ACL to loans ratio of 119%[61]