United Community Banks, Inc.(UCB) - 2025 Q4 - Earnings Call Transcript

United Community Banks (NYSE:UCB) Q4 2025 Earnings call January 14, 2026 09:00 AM ET Speaker8Good morning and welcome to United Community Banks' fourth quarter 2025 earnings call. Hosting our call today are Chairman and Chief Executive Officer Lynn Harton, Chief Financial Officer Jefferson Harrelson, President and Chief Banking Officer Rich Bradshaw, and Chief Risk Officer Rob Edwards. United's presentation today includes references to operating earnings, pre-tax, pre-credit earnings, and other non-GAAP fin ...