United Community Banks forecasts high single-digit loan growth in 2027 - UCB News | RalliesUnited Community Banks forecasts high single-digit loan growth in 2027
U
UCB• 2026 operating and capital guidance
- 3Q26 operating ROAA was guided at 1.25%–1.3%.
- The capital outlook showed CET1 above 13% with TCE/TA above 9%.
2027 loan growth outlook and drivers
- United Community Banks targeted high single-digit loan growth in 2027, supported by 42 net new revenue producers added since 3Q25.
- Portfolio repositioning is expected to add about $0.25 to 2027 EPS, funded by redeploying $4.2 billion of proceeds into assets yielding about 4.5%.
- The Peach State acquisition is expected to contribute $0.12 to 2027 EPS; the transaction closed on 8/1/26 with conversion planned for 1Q27.
- Navitas sale closed on 9/1/26 for $2 billion in cash; proceeds included $1 billion of debt paydown at about 3.8% interest.
•
