United Community Banks reported net income of $86.5 million for Q4 2025, up 14% year-over-year, while pre-tax, pre-provision income reached $126.3 million, a 17% increase from the same period in 2024. Diluted earnings per share on a GAAP basis rose by $0.09 to $0.70, and on an operating basis increased by $0.08 to $0.71, representing a 13% improvement. For the full year, net income totaled $328 million, a 30% gain over 2024, and GAAP diluted EPS climbed 28% to $2.62, driven by stronger revenue growth and absence of one-time loan portfolio losses recorded in the prior year.

Total revenue for Q4 expanded to $278.4 million, an 11% increase year-over-year, propelled by net interest revenue of $237.9 million, up 13%, and noninterest income of $40.5 million. The net interest margin widened by 36 basis points to 3.62%, reflecting favorable loan mix shifts, improved funding costs and a strategic focus on deposit pricing. On a fully taxable equivalent basis, margin gains helped drive operating leverage and sustained revenue momentum.

Asset quality trends were mixed but manageable: net charge-offs rose to $16.4 million (0.34% of average loans) versus 0.21% in Q4 2024, while nonperforming assets declined slightly to 0.33% of total assets. The allowance for credit losses coverage stood at 1.16% of loans. Capital ratios remained robust, with preliminary Common Equity Tier 1 at 13.4% and tangible common equity to tangible assets at 9.92%. The efficiency ratio improved to 54.4% on a GAAP basis and 54.2% on an operating basis.

Management repurchased 1.0 million common shares at an average price of $29.84 per share and redeemed $35 million of senior debt during Q4. The board declared a quarterly dividend of $0.25 per share, a 4% increase year-over-year. CEO Lynn Harton highlighted strong regional economic conditions and team execution across business lines, positioning United Community Banks for continued loan growth and margin expansion in 2026.