United Community Banks, Inc.
United Community Banks, Inc. operates as a bank holding company providing diversified financial services primarily through its principal subsidiary, United Community Bank, a South Carolina state-chartered bank. The company maintains a presence across Georgia, South Carolina, North Carolina, Tennessee, Florida, and… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What United Community Banks, Inc. does
In the company’s own words
United Community Banks, Inc. operates as a bank holding company providing diversified financial services primarily through its principal subsidiary, United Community Bank, a South Carolina state-chartered bank. The company maintains a presence across Georgia, South Carolina, North Carolina, Tennessee, Florida, and Alabama, complemented by national operations through specialized lending divisions. As of December 31, 2025, the company reported consolidated total assets of $28.0 billion with consolidated loans of $19.4 billion representing 69 percent of total assets.
The company's core business encompasses a comprehensive range of financial products and services delivered through multiple channels including branches, offices, internet platforms, and mobile applications. Primary offerings include deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, and insurance services. The company serves commercial, retail, governmental, educational, energy, healthcare, and real estate sectors.
United Community Banks operates through several key business divisions. The retail mortgage lending division, United Community Mortgage Services, functions as an approved seller and servicer for Fannie Mae and Freddie Mac, originating residential mortgages for purchase and refinancing. The company generates significant loan originations through SBA and USDA lending programs on a national basis. United Community Private Wealth provides private banking, investment management, financial planning, estate and retirement planning, and insurance products. Payment processing services are delivered through United Community Payment Systems, a joint venture with Clover, a Fiserv subsidiary.
The company employed 3,070 full-time equivalent employees as of December 31, 2025. United Community Banks has established a reputation for customer service, receiving recognition as an 11-time winner of J.D. Power's award for consumer bank satisfaction in the Southeast region and earning five Greenwich Best Brand Awards in 2025. Forbes has consistently recognized the company among the World's Best Banks and America's Best Banks.
The company pursues growth through strategic acquisitions and organic expansion, having completed the acquisition of ANB in May 2025, which added $301 million in loans and $374 million in deposits. The business model combines local market focus with centralized expertise, emphasizing what the company terms "The Golden Rule of Banking" as its guiding principle.
Website: www.ucbi.com
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- GREENVILLE, SC
- Fiscal year end
- December
- CIK
- 857855
- SIC
- 6022
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns United Community Banks, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · United Community Banks, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
United Community Banks, Inc.’s bonds, as funds hold them
Funds report holding 1 issues of United Community Banks, Inc.’s debt, $3.50M at market value — what funds hold, not the company’s total debt.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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