United Community Banks (UCB) Balance Sheet: Assets & Liabilities

United Community Banks (UCB) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), United Community Banks reported total assets of $28.00B and total liabilities of $24.36B. Shareholders' equity was $3.64B, up 6.0% from $3.43B a year earlier. Total debt stood at $205.40M against $3.95B in cash and short-term investments, a net cash position of $3.75B. That puts debt-to-equity at 0.06, compared with 0.13 a year earlier.

United Community Banks Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for United Community Banks, Inc. (UCB) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Current Assets
Cash and Cash Equivalents	0.20	0.52	1.00	0.51	2.32	1.61	0.52	0.33	0.31
Short-Term Investments	3.75	4.44	3.33	3.61	4.50	3.22	2.27	2.63	2.62
Cash & Short-Term Investments	3.95	4.96	4.33	4.13	6.79	4.83	2.79	2.96	2.93
Accounts Receivable	0.08	0.09	0.09	0.07	0.04	0.05	0.03	0.04	0.03
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Current Assets	4.04	5.04	4.42	4.20	6.83	4.88	2.82	2.99	2.96
Non-Current Assets
Property, Plant & Equipment (Net)	0.43	0.39	0.38	0.30	0.25	0.22	0.22	0.21	0.21
Long-Term Investments	22.53	0.35	20.68	17.85	0.22	11.85	9.13	8.64	8.05
Goodwill	0.93	0.91	0.92	0.75	0.47	0.37	0.33	0.31	0.22
Intangible Assets	0.04	0.05	0.07	0.03	0.02	0.01	0.01	0.02	0.02
Other Non-Current Assets	-0.04	0.79	0.71	0.75	0.46	0.43	0.37	0.35	0.36
Total Non-Current Assets	23.97	22.68	22.87	19.81	14.12	12.91	10.09	9.58	8.95
Total Assets	28.00	27.72	27.30	24.01	20.95	17.79	12.92	12.57	11.92
Current Liabilities
Accounts Payable	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Short-Term Debt	0.09	0.20	0.00	0.16	0.00	0.00	0.00	0.16	0.05
Accrued Liabilities	0.31	0.30	0.32	0.30	0.21	-	-	-	-
Other Current Liabilities	0.00	23.46	23.31	20.18	18.45	15.43	11.05	10.66	9.91
Total Current Liabilities	0.09	23.66	23.31	20.49	18.45	15.43	11.05	10.82	9.96
Non-Current Liabilities
Long-Term Debt	0.12	0.25	0.32	0.87	0.25	0.33	0.21	0.27	0.63
Other Non-Current Liabilities	24.16	0.38	0.40	-0.06	0.03	0.03	0.02	0.03	0.03
Total Non-Current Liabilities	24.28	0.63	0.73	0.82	0.27	0.36	0.23	0.29	0.65
Total Liabilities	24.36	24.29	24.04	21.31	18.72	15.79	11.28	11.12	10.61
Stockholders' Equity
Common Stock	0.12	0.12	0.12	0.11	0.10	0.09	0.08	0.08	0.08
Retained Earnings	0.91	0.71	0.58	0.51	0.33	0.14	0.04	-0.09	-0.21
Accumulated Other Comprehensive Income	-0.15	-0.21	-0.24	-0.33	-0.03	0.04	0.01	-0.04	-0.03
Additional Paid-in Capital	2.75	2.72	2.71	2.31	1.72	1.65	1.51	1.51	1.46
Shares Outstanding	0.12	0.12	0.12	0.11	0.09	-	-	-	-
Total Stockholders' Equity	3.64	3.43	3.26	2.70	2.22	2.01	1.64	1.46	1.30
Total Liabilities & Equity	28.00	27.72	27.30	24.01	20.95	17.79	12.92	12.57	11.92

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About United Community Banks Balance Sheet

How much debt does United Community Banks have?

United Community Banks had total debt of $205.40M as of Dec 31, 2025, against $3.95B in cash and short-term investments. Its debt-to-equity ratio was 0.06. Total debt was $449.15M a year earlier.

What are United Community Banks's total assets?

United Community Banks reported total assets of $28.00B as of Dec 31, 2025, up 1.0% from $27.72B a year earlier. Total liabilities were $24.36B.

What is United Community Banks's shareholders' equity?

United Community Banks's shareholders' equity was $3.64B as of Dec 31, 2025, or about $30.17 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition