| Metric | Value ($ M) | Q2 FY25 | Q3 FY24 |
|---|---|---|---|
| Revenue | 276.85 | 6.4% | 36.5% |
| Total Income | 276.85 | 6.4% | 36.5% |
| Expenditure | 158.78 | 0.6% | 11.0% |
| PBT | 118.07 | 17.5% | 97.5% |
| Net Profit | 91.49 | 16.2% | 93.2% |
| OPM | — | ||
| NPM | 33.05% | 2.79pp | 9.71pp |
| EPS | 0.71 | 12.7% | 86.8% |
United Community Banks Reports Q3 2025 Earnings
04 May 2026 · 4 May, 8:55 am
Summary
United Community Banks, Inc. announced net income of $91.5 million for the third quarter of 2025, with diluted earnings per share of $0.70. On an operating basis, diluted earnings per share were $0.75, a 32% increase from the previous year. The company's total revenue improved by 6% from the second quarter, reaching $276.8 million. Loan growth was strong at $254 million, and the net interest margin increased by eight basis points to 3.58%.
Key Highlights
- 1
United Community Banks reported net income for the third quarter of 2025 of $91.5 million.
- 2
Diluted earnings per share were $0.70 for the quarter, an increase of $0.32 from the third quarter a year ago.
- 3
On an operating basis, diluted earnings per share were $0.75, up 32% from the year-ago quarter.
- 4
Total revenue of $276.8 million improved $16.6 million, or 6%, from the second quarter.
- 5
Loans grew by $254 million, up 5.4% annualized, from the second quarter.
- 6
Net interest margin of 3.58% increased by eight basis points from the second quarter.
- 7
Customer deposits, excluding seasonal outflow of public funds, were up $137 million.
Management Comments
Lynn Harton
We are proud of our third quarter financial results. Our teams drove solid loan and deposit growth as well as healthy margin expansion. These actions resulted in meaningful improvement in our return on assets and return on tangible common equity. Tangible book value per share grew by $0.59 from the second quarter – an 11% annualized rate. Loans grew by $254 million, or 5.4% annualized, while customer deposits, excluding seasonal outflow of public funds, were up $137 million or 2.6% annualized. Non-interest bearing deposits, excluding public funds, grew at an annualized rate of 4.7%. Operating efficiency and operating leverage also both continued their improving trend. I want to thank our outstanding team members across the bank for continuing to deliver not only great financial results, but also exceptional customer service and an atmosphere of trust and caring that makes United a great place to work.
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