Bank call report · Greenville, SC
United Community Bank Call Report
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United Community Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 692 reported line items, schedule by schedule (861 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 1017939 |
| FDIC certificate number | 16889 |
| Total assets | $28.99B |
Official Q2 2026 call report PDF (FFIEC) →
United Community Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (33 items)
About Schedule RC · United Community Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $28.99B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $28.99B |
| Total Liabilities and Minority Interest | RCON2948 | $25.57B |
| Total Deposits | RCON2200 | $24.07B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $18.02B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $17.86B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $17.57B |
| Deposits: Noninterest-bearing | RCON6631 | $6.51B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $4.10B |
| Total Equity Capital | RCON3210 | $3.42B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $3.42B |
| Surplus | RCON3839 | $3.00B |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $2.18B |
| Held-to-maturity Securities, Total | RCON1754 | $2.18B |
| Loans and Leases Held for Sale | RCON5369 | $1.96B |
| Intangible Assets | RCON2143 | $1.01B |
| Goodwill | RCON3163 | $925.1M |
| Other Borrowed Money | RCON3190 | $800.0M |
| Other Assets | RCON2160 | $768.7M |
| Undivided Profits and Capital Reserves | RCON3632 | $577.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $420.1M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $360.0M |
| Other Liabilities, Total | RCON2930 | $290.4M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $258.7M |
| Interest-bearing Balances | RCON0071 | $199.9M |
| Allowance for Loan and Lease Losses | RCON3123 | $168.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$154.0M |
| Trading Assets, Total | RCON3545 | $108.7M |
| Direct and Indirect Investments in Real Estate Ventures | RCON3656 | $77.4M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $47.1M |
| Trading Liabilities, Total | RCON3548 | $41.6M |
| Other Real Estate Owned | RCON2150 | $3.5M |
| Common Stock | RCON3230 | $850K |
Schedule RI: Income Statement (59 items)
About Schedule RI · United Community Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $677.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $577.7M |
| Net Interest Income | RIAD4074 | $473.8M |
| Total Noninterest Expense | RIAD4093 | $312.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $293.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $254.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $254.4M |
| Total Interest Expense | RIAD4073 | $204.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $198.1M |
| Net Income (Loss) | RIAD4340 | $198.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $198.1M |
| Salaries and Employee Benefits | RIAD4135 | $180.3M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $148.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $127.0M |
| Other Noninterest Expense | RIAD4092 | $95.4M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $84.3M |
| Total Noninterest Income | RIAD4079 | $73.6M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $62.3M |
| Applicable Income Taxes | RIAD4302 | $56.2M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $56.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $37.8M |
| Other Noninterest Income | RIADB497 | $31.7M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $30.5M |
| Provision for Loan and Lease Losses | RIAD4230 | -$23.5M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $19.3M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$19.0M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $13.4M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $12.7M |
| Interest on Other Securities | RIAD4060 | $12.0M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $11.9M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $6.4M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $6.3M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $6.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $5.8M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $5.6M |
| Income from Lease Financing Receivables | RIAD4065 | $5.1M |
| Net Servicing Fees | RIADB492 | $4.9M |
| Other Interest Income | RIAD4518 | $4.4M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $4.0M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $3.9M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $3.6M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $3.4M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $3.3M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $3.0M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $2.6M |
| Insurance and Reinsurance Underwriting Income | RIADC386 | $2.5M |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $2.2M |
| Fees and Commissions from Annuity Sales | RIADC887 | $717K |
| Trading Revenue | RIADA220 | $562K |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $228K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $204K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $131K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$125K |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | $109K |
| Net Gains (Losses) on Credit Derivatives Held for Purposes Other Than Trading | RIADC890 | $100K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $46K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $45K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 3,130 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $458.7M |
| Balances Due from Federal Reserve Banks | RCON0090 | $132.5M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $129.6M |
| Currency and Coin | RCON0080 | $115.3M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $81.3M |
Schedule RC-B: Securities (71 items)
About Schedule RC-B · United Community Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $153.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $153.3M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCONG300 | $33.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCONG301 | $27.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $569.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $532.7M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $503.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $427.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $789.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $749.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $599.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $509.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $260.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $247.3M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Corporate and Similar Loans - Available-for-sale Amortized Cost | RCONG358 | $268.7M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Corporate and Similar Loans - Available-for-sale Fair Value | RCONG359 | $268.4M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $4.24B |
| Pledged Securities | RCON0416 | $3.65B |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $1.85B |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $1.45B |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.16B |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $999.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $592.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $490.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $489.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $465.2M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK150 | $454.8M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $436.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $432.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $430.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $420.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $417.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $394.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK151 | $380.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $360.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $354.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $293.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $283.3M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $281.3M |
| Amortized Cost of Structured Notes | RCON8782 | $268.7M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $268.7M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $268.4M |
| Fair Value of Structured Notes | RCON8783 | $268.4M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $239.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $197.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $188.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities: Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK142 | $173.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $169.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $153.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK143 | $145.9M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $144.1M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $139.5M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $138.7M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $122.1M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $117.4M |
| Amortized Cost of Available-for-sale Asset-backed Securities: Other Consumer Loans | RCONB852 | $103.9M |
| Fair Value of Available-for-sale Asset-backed Securities: Other Consumer Loans | RCONB853 | $103.1M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $98.4M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $86.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $73.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $47.2M |
| Fair Value of Available-for-sale Asset-backed Securities: Auto Loans | RCONB849 | $35.6M |
| Amortized Cost of Available-for-sale Asset-backed Securities: Auto Loans | RCONB848 | $35.6M |
| Amortized Cost of Held-to-maturity U.S. Treasury Securities | RCON0211 | $19.9M |
| Fair Value of Held-to-maturity U.S. Treasury Securities | RCON0213 | $19.0M |
| Amortized Cost of Held-to-maturity Other Foreign Debt Securities | RCON1742 | $15.0M |
| Fair Value of Held-to-maturity Other Foreign Debt Securities | RCON1743 | $13.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost | RCONK156 | $7.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value | RCONK157 | $6.8M |
| Unallocated portfolio layer fair value hedge basis adjustments | RCONMG95 | -$4.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $2.1M |
Schedule RC-C, Part I: Loans and Leases (51 items)
About Schedule RC-C, Part I · United Community Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $19.99B |
| Pledged Loans and Leases | RCONG378 | $15.97B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $7.92B |
| Commercial and Industrial Loans | RCON1766 | $4.38B |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $4.38B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $3.99B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $3.95B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $3.51B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $3.50B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $2.56B |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $2.21B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $2.18B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.72B |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.42B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $921.1M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $888.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $869.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $847.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $822.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $713.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $449.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $441.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $252.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $217.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $176.6M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $124.2M |
| All Other Lease Financing Receivables | RCONF163 | $120.7M |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $120.7M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $117.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $117.3M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $100.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $68.8M |
| Loans to business credit intermediaries | RCONPV06 | $60.2M |
| Other Loans | RCONJ464 | $51.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $45.7M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $45.6M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $45.5M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $42.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $22.8M |
| Loans to mortgage credit intermediaries | RCONPV05 | $17.3M |
| Other loans to nondepository financial institutions | RCONPV09 | $12.0M |
| Loans to consumer credit intermediaries | RCONPV08 | $11.2M |
| Loans for purchasing or carrying securities, including margin loans | RCON1545 | $9.4M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $6.1M |
| Unearned Income on Loans | RCON2123 | $4.6M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $3.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $3.3M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $1.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $479K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $146K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $146K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $1.12B |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $972.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $665.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $631.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $110.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $10.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $6.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $3.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $1.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $655K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $317K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $219K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 31,950 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 8,187 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 4,037 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 2,772 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 887 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 267 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 44 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 36 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 33 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 25 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 3 |
Schedule RC-D: Trading Assets and Liabilities (3 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Trading Assets - U.S. Treasury Securities | RCON3531 | $91.4M |
| Revaluation Losses on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCON3547 | $41.6M |
| Revaluation Gains on Interest Rate, Foreign Exchange Rate, and Other Commodity and Equity Contracts | RCON3543 | $17.3M |
Schedule RC-E: Deposit Liabilities (39 items)
About Schedule RC-E · United Community Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $12.21B |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $11.87B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $11.30B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $9.55B |
| Total Demand Deposits (See Note Below) | RCON2210 | $9.20B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $7.07B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $3.69B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $2.93B |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $2.64B |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $2.50B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $2.30B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $1.54B |
| Total reciprocal deposits | RCONJH83 | $1.38B |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $1.27B |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $1.23B |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $1.23B |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $1.22B |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $1.16B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $1.08B |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $1.08B |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $1.08B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $1.01B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $813.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $779.2M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $562.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $381.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $334.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $158.6M |
| Total Brokered Deposits | RCON2365 | $158.6M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $145.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $122.8M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $108.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $68.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $53.9M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $20.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $19.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $4.9M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1.1M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $249K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $263.2M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $146.0M |
| Other Assets | RCON2168 | $124.1M |
| Accrued Interest Receivable | RCONB556 | $82.6M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $71.5M |
| Net Deferred Tax Assets | RCON2148 | $48.6M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $34.9M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $32.7M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $187.0M |
| Other Expenses Accrued and Unpaid | RCON3646 | $75.3M |
| Second Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3553 | $53.5M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $19.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $8.5M |
Schedule RC-K: Quarterly Averages (19 items)
About Schedule RC-K · United Community Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $28.46B |
| Quarterly Average of Total Loans | RCON3360 | $19.64B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $9.87B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $8.16B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $5.77B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $4.99B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $4.38B |
| Mortgage-backed Securities | RCONB559 | $4.28B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $2.51B |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $1.20B |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $914.1M |
| All Other Securities | RCONB560 | $857.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $313.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $214.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $185.2M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $167.7M |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $118.1M |
| Quarterly Average of Assets Held in Trading Accounts | RCON3401 | $108.8M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $1.3M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (39 items)
About Schedule RC-L · United Community Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCONG403 | $87.8M |
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Purchased Protection That Is Not Recognized as a Guarantee for Regulatory Capital Purposes | RCONG405 | $39.3M |
| Notional Amount of Sold Credit Protection: Subinnvestment Grade - with Remaining Maturity of One Year or Less. | RCONG409 | $9.4M |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over Five Years | RCONG411 | $38.1M |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG410 | $40.3M |
| Notional Amount of Purchased Credit Protection: Subinnvestment Grade - with Remaining Maturity of One Year or Less. | RCONG415 | $8.2M |
| Notional Amount of Purchased Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG416 | $31.1M |
| Over the Counter Derivatives: Net Current Credit Exposure - Banks and Securities Firms | RCONG418 | $19.3M |
| Over the Counter Derivatives: Net Current Credit Exposure - Corporations and All Other Counterparties | RCONG422 | $3.2M |
| Over the Counter Derivatives: Fair Value of Collateral: Cash U.S. Dollar - Banks and Securities Firms | RCONG423 | $10.4M |
| Over the Counter Derivatives: Fair Value of Collateral: Total Fair Value of Collateral (Sum of Items 16.B.(1) Through (7) - Banks and Securities Firms | RCONG458 | $10.4M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $5.15B |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $3.39B |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $2.02B |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.70B |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $1.43B |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.41B |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.23B |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $403.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $241.7M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $106.0M |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCONC974 | $87.8M |
| Interest Rate Forward Contracts | RCON8697 | $83.9M |
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $74.9M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $41.8M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8737 | $41.6M |
| Credit Derivatives: Notional Amounts-other Credit Derivatives-beneficiary | RCONC975 | $39.3M |
| Performance Standby Letters of Credit | RCON3821 | $31.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $23.9M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $22.8M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $17.3M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $12.2M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $9.8M |
| Other unused commitments: Loans to consumer credit intermediaries | RCONPV15 | $9.7M |
| Other unused commitments: Loans to business credit intermediaries | RCONPV13 | $8.1M |
| Other unused commitments: Loans to mortgage credit intermediaries | RCONPV12 | $3.1M |
| Other unused commitments: Other loans to nondepository financial institutions | RCONPV16 | $1.9M |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Negative Fair Value | RCONC220 | $108K |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Beneficiary:gross Positive Fair Value | RCONC221 | $11K |
Schedule RC-M: Memoranda (12 items)
About Schedule RC-M · United Community Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $800.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $800.0M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $44.5M |
| Mortgage Servicing Assets | RCON3164 | $44.5M |
| All other intangible assets | RCONJF76 | $41.6M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $4.9M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $1.8M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $1.2M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $436K |
| Outstanding balance of PPP loans | RCONLG27 | $184K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
| Number of outstanding PPP Loans | RCONLG26 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (39 items)
About Schedule RC-N · United Community Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $101.4M |
| Additions to Nonaccrual Assets | RCONC410 | $63.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $31.1M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $30.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $22.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $18.9M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $12.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $11.3M |
| Loans and Leases Held for Sale | RCONC226 | $9.4M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $6.7M |
| Loans and Leases Held for Sale-past Due 30 Thru 89 Days and Still Accruing | RCONC240 | $6.2M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $3.7M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $3.5M |
| Loan Mod to Borrowers Experiencing Fin Dfclty : Commercial and Industrial Loans - to US Addressees - Past Due 30 Through 89 Days and Still Accruing | RCONK120 | $3.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK257 | $3.5M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $3.5M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $3.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $3.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $3.2M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $2.6M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $2.5M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $2.5M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $2.4M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $1.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $654K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $484K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $450K |
| Lease Financing Receivables - Past Due 30-89 Days and Still Accruing | RCON1226 | $427K |
| Lease Financing Receivables - Nonaccrual | RCON1228 | $392K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $392K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $235K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $212K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $203K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $178K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $167K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $56K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $44K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $44K |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $3K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (19 items)
About Schedule RC-O · United Community Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $28.46B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $24.45B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $13.73B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $10.38B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $9.48B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $2.59B |
| Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONK676 | $1.46B |
| Nonbrokered Time Deposits of More Than $250,000 in Domestic Offices | RCONK678 | $1.22B |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $290.6M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Commercial and Industrial Loans | RCONN181 | $76.5M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Loans Secured by Multifamily Residential and Nonfarm Nonresidential Properties | RCONN178 | $57.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $43.8M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements): Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONN177 | $16.9M |
| Portion of Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate That Are Guarnateed or Insured by the U.S. Government (Including the FDIC) | RCONK677 | $10.7M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 616,566 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 14,422 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 11,054 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 121 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $188.9M |
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $163.3M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $53.5M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $6.9M |
| Representation and Warranty Reserves for 1-4 Family Residential Mortgage Loans Sold: Total | RCONM288 | $1.3M |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (32 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Sale - Level 2 Fair Value Measurements | RCONG486 | $53.5M |
| Loans and Leases Held for Sale - Total Fair Value Reported on Schedule Rc | RCONG483 | $53.5M |
| Trading Derivative Assets - Level 2 Fair Value Measurements | RCONG495 | $17.3M |
| Other Trading Assets - Level 1 Fair Value Measurements | RCONG499 | $91.4M |
| Other Trading Assets - Total Fair Value Reported on Schedule Rc | RCONG497 | $91.4M |
| Trading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG514 | $41.6M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $4.32B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $4.10B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $3.73B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $3.66B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $523.7M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $432.3M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $59.2M |
| All Other Assets - Level 3 Fair Value Measurements | RCONG804 | $59.1M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $59.1M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $53.9M |
| Loans measured at fair value, Loans secured by real estate, Secured by 1-4 family residential properties, Domestic Offices | RCONHT87 | $53.5M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, Secured by 1-4 family residential properties, Domestic Offices | RCONHT91 | $52.2M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Level 3 Fair Value Measurements | RCONG540 | $44.5M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Total Fair Value Reported on Schedule Rc | RCONG536 | $44.5M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $44.1M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $12.3M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $12.3M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $9.8M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 3 Fair Value Measurement | RCONG570 | $9.7M |
| All Other Liabilities - Level 3 Fair Value Measurements | RCONG809 | $9.7M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG535 | $9.7M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 3 Fair Value Measurements | RCONG545 | $9.7M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $2.5M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $2.5M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $96K |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $96K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · United Community Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $21.64B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (27 items)
About Schedule RC-R, Part I · United Community Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $28.46B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $27.50B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $21.64B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $3.42B |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $3.00B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $2.80B |
| Common Equity Tier 1 Capital | RCOAP859 | $2.62B |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $2.62B |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $2.62B |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $959.3M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $925.1M |
| Retained Earnings | RCOAKW00 | $577.3M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $180.3M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $180.3M |
| Tier 2 Capital Before Deductions | RCOAP870 | $180.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$154.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$117.9M |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP848 | -$35.8M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $32.5M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $1.6M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$257K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1293 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1209 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1209 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0952 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0493 |
Schedule RC-R, Part II: Risk-Weighted Assets (113 items)
About Schedule RC-R, Part II · United Community Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $21.64B |
| Total Risk-weighted Assets | RCONG641 | $21.64B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $18.06B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $18.06B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $16.51B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $12.91B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $12.53B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $5.00B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $4.53B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $4.51B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $4.08B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $4.02B |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $4.02B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $3.42B |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $2.84B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $2.40B |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $2.36B |
| Total All Other Assets | RCOND981 | $2.32B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $2.26B |
| Total Held-to-maturity Securities | RCOND961 | $2.18B |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $2.06B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $1.97B |
| Loans and Leases Held for Sale, All Other Exposures - 100 Pct Risk Weight Category | RCONS436 | $1.90B |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $1.90B |
| Notional Principal Amounts of Centrally Cleared Dervative Contracts, Interest Rate - One Year or Less | RCONS603 | $1.82B |
| Unconditionally Cancellable Commitments | RCONS540 | $1.72B |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $1.56B |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $1.42B |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $1.36B |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $1.31B |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $1.31B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $1.18B |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $1.04B |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $964.5M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $918.1M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $804.1M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCONS481 | $675.4M |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCONS480 | $675.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $487.8M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $482.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $458.7M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $331.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $247.8M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $229.2M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $210.9M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $186.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $152.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$143.9M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCONS483 | $140.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $125.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $124.2M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $123.7M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $122.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $120.6M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $119.9M |
| Total Trading Assets | RCOND976 | $108.7M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $104.3M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $104.3M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $97.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $97.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $95.9M |
| Trading Assets - 0 Pct Risk Weight Category | RCOND977 | $91.4M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over One Year Through Five Years | RCONS592 | $71.4M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $67.5M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $65.1M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $64.0M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $62.8M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $62.6M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $54.2M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $53.5M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $53.5M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $52.9M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $51.6M |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$48.2M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $48.0M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $48.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $48.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over Five Years | RCONS593 | $38.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $31.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $29.2M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $23.9M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $23.9M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $22.8M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $22.5M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - One Year or Less | RCONS591 | $17.6M |
| Trading Assets - Adjustments to Totals Reported in Column a | RCONS466 | $17.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $15.7M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $15.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $14.1M |
| Unused Commitments, Original Maturity Exceeding One Year - 0 Pct Risk Weight Category | RCONG626 | $13.8M |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCONG623 | $12.2M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $12.2M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $12.2M |
| Over-the-counter Derivatives - 0 Pct Risk Weight Category | RCONS543 | $9.8M |
| Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS429 | $9.4M |
| Total Loans and Leases Held for Sale, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS423 | $9.4M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $9.1M |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $8.5M |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCONJJ30 | $8.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $6.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - Adjustments to Totals Reported in Column a | RCONS458 | $5.8M |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS491 | $3.5M |
| Total On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures | RCONS490 | $3.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 20 Pct Risk Weight Category | RCONS452 | $2.5M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.5M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - Adjustments to Totals Reported in Column a | RCONS446 | $1.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 0% | RCONS527 | $1.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - Adjustments to Totals Reported in Column a | RCONS440 | $878K |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures -Ssfa Risk Weight Exposure, by Calculation Method | RCONS493 | $706K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $306K |
| Allocation by Risk Weight Category 0%, Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONH178 | $69K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - Adjustments to Totals Reported in Column a | RCONS450 | $38K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 0 Pct Risk Weight Category | RCONS451 | $31K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $3.23B |
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $730.0M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $8.1M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $8.1M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $8.1M |
| Outstanding Principal Balance of Assets Serviced for Others Including Participations Serviced for Others: 1-4 Family Residential Mortgage Serviced for Others That Are in the Process of Foreclosure at Quarter-end (Includes Closed-end and Open-end Loans) | RCONF699 | $984K |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - All Other Loans | RCONB796 | $654K |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: All Other Loans | RCONB803 | $654K |
Schedule RC-T: Fiduciary and Related Services (29 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $1.22B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $760.4M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $197.7M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $169.6M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $169.6M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $86.1M |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $33.5M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $3.6M |
| Income from Fiduciary Activities | RIAD4070 | $3.1M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $2.8M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $2.2M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $1.5M |
| Personal Trust and Agency Accounts | RIADB904 | $819K |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $773K |
| Other Retirement Accounts | RIADB907 | $547K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $149K |
| Custody and Safekeeping Accounts | RIADB909 | $35K |
| Employee Benefit-defined Contribution | RIADB905 | $8K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 835 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 369 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 277 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 277 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 171 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 25 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 16 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 6 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 4 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 2 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 2 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $3.42B |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $3.39B |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $3.39B |
| Cash Dividends Declared on Common Stock | RIAD4460 | $168.6M |
| Other Comprehensive Income | RIADB511 | $1.6M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (24 items)
About Schedule RI-B, Part I · United Community Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $27.4M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $23.4M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $9.2M |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $4.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $3.9M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $1.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $1.1M |
| Charge-offs on Lease Financing Receivables | RIAD4266 | $626K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $480K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $365K |
| Recoveries on Lease Financing Receivables | RIAD4267 | $341K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $141K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $110K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $100K |
| 1-4 Family Residential Construction Loans, Charge-offs | RIADC891 | $63K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $63K |
| Charge-offs on Automobile Loans | RIADK129 | $49K |
| Recoveries on Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 4617, 4618, and 4628 | RIAD5410 | $48K |
| Recoveries on All Other Loans | RIAD4628 | $42K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $42K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $41K |
| Recoveries on Automobile Loans | RIADK133 | $41K |
| 1-4 Family Residential Construction Loans Recoveries | RIADC892 | $31K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $16K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · United Community Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $210.4M |
| Allowance for Loan and Lease Losses | RIAD3123 | $168.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $27.4M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $4.5M |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $18.02B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $8.70B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $4.94B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $2.86B |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $1.34B |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $185.7M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $168.7M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $63.0M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $48.7M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $41.1M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $14.4M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $1.5M |
Schedule RI-E: Explanations (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $20.6M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $17.2M |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $7.3M |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $4.9M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $4.2M |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | $4.1M |
United Community Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the United Community Bank call report?
The United Community Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does United Community Bank file?
United Community Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the United Community Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: United Community Bank has Federal Reserve RSSD ID 1017939 and FDIC certificate number 16889. Either one finds its filings on the FFIEC Central Data Repository.
How often does United Community Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
United Community Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 16889) · FFIEC NIC profile (RSSD 1017939)