2026-01-14 14:00Financial Performance - United Community Banks reported GAAP diluted earnings per share of $0.70 for 4Q25 and $2.62 for the full year[12, 19] - The operating diluted earnings per share were $0.71 for 4Q25 and $2.71 for the full year[12, 19] - The company's GAAP return on assets was 1.21% for 4Q25 and 1.17% for the full year[12, 19] - The operating return on assets was 1.22% for 4Q25 and 1.20% for the full year[14, 19] - Net interest margin was 3.62% for 4Q25, an increase of 36 bps year-over-year[12] Balance Sheet and Loan Portfolio - Total assets reached $28 billion[9] - Total deposits amounted to $23.8 billion[9] - Total loans reached $19.4 billion[9] - The loan portfolio grew by $209 million, or 4.4% annualized, from 3Q25[38] - Loans grew $1.2 billion or 6.6% from 4Q24[38]