United Community Banks, Inc. (UCB) Balance Sheet
UCB balance sheet, 2025
December 31, 2025 · U.S. dollars$28.00B assets = $24.36B liabilities + $3.64B equity
Both columns are drawn to the same scale: what UCB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
UCB financial health
Descriptive bands, not a rating. Fiscal 2025.
UCB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $10.71B2016 | $28.00B2025 | +11.3%/yr | |
| Total liabilities | $9.63B2016 | $24.36B2025 | +10.9%/yr | |
| Shareholders’ equity | $1.08B2016 | $3.64B2025 | +14.5%/yr | |
| Cash & short-term investments | $2.65B2016 | $3.95B2025 | +4.5%/yr | |
| Total debt | $884.3M2016 | $205.4M2025 | −15.0%/yr | |
| Net cash (debt) | $1.77B2016 | $3.75B2025 | +$2.0B | |
| Working capital | −$6.04B2016 | $3.95B2025 | +$10.0B | |
| Book value per share | $14.962016 | $29.872025 | +8.0%/yr | |
| Debt / equity | 0.822016 | 0.062025 | −0.77 | |
| Shares outstanding | 71.9M2016 | 121.8M2025 | +6.0%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
UCB assets
UCB liabilities and equity
UCB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
UCB balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $3.95B | $4.96B | $4.33B | $4.13B | $6.79B | $4.83B | $2.79B | $2.96B | $2.93B | $2.65B |
| Cash & equivalents | $202.6M | $519.9M | $1.00B | $511.9M | $2.29B | $1.61B | $515.2M | $327.3M | $314.3M | $217.3M |
| Short-term investments | $3.75B | $4.44B | $3.33B | $3.61B | $4.50B | $3.22B | $2.27B | $2.63B | $2.62B | $2.43B |
| Receivables | $83.6M | $85.6M | $87.8M | $72.8M | $43.0M | $47.7M | $32.7M | $35.4M | $32.5M | $28.0M |
| Inventory | $0 | $0 | −$1.09B | −$719.7M | −$2.36B | −$1.66B | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $1.09B | $719.7M | $2.36B | $1.66B | $0 | $0 | $0 | $0 |
| Total current assets | $4.04B | $5.04B | $4.42B | $4.20B | $6.83B | $4.88B | $2.82B | $2.99B | $2.96B | $2.68B |
| Property, plant & equipment (net) | $430.8M | $394.3M | $378.4M | $298.5M | $245.3M | $218.5M | $216.0M | $206.1M | $208.9M | $189.9M |
| Goodwill & intangible assets | $967.9M | $956.6M | $990.1M | $779.2M | $472.4M | $381.8M | $342.2M | $324.1M | $244.4M | $156.2M |
| Long-term investments | $5.99B | $6.80B | $5.82B | $6.23B | $5.65B | $3.65B | $0 | $0 | $0 | $0 |
| Other non-current assets | $16.58B | $14.52B | $15.68B | $12.50B | $7.74B | $8.67B | $9.54B | $9.05B | $8.50B | $7.68B |
| Total assets | $28.00B | $27.72B | $27.30B | $24.01B | $20.95B | $17.79B | $12.92B | $12.57B | $11.92B | $10.71B |
| Liabilities | ||||||||||
| Short-term debt | $85.0M | $195.0M | $11.4M | $317.9M | $8.2M | — | — | $160.0M | $50.0M | $5.0M |
| Total current liabilities | $85.0M | $23.66B | $23.31B | $20.49B | $18.45B | $15.43B | $11.05B | $10.82B | $9.96B | $8.72B |
| Long-term debt | $120.4M | $254.2M | $324.8M | $324.7M | $247.4M | $327.0M | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $24.16B | $378.0M | $400.3M | $490.6M | $25.1M | $29.0M | $228.2M | $293.6M | $650.6M | $911.9M |
| Total liabilities | $24.36B | $24.29B | $24.04B | $21.31B | $18.72B | $15.79B | $11.28B | $11.12B | $10.61B | $9.63B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $120.6M | $119.4M | $119.0M | $106.2M | $89.3M | $86.7M | $79.0M | $79.2M | $77.6M | $70.9M |
| Retained earnings (deficit) | $914.3M | $714.1M | $581.2M | $508.8M | $330.7M | $136.9M | $40.2M | −$90.4M | −$209.9M | −$251.9M |
| Accumulated other comprehensive income | −$150.6M | −$212.9M | −$239.2M | −$329.5M | −$26.5M | $37.7M | $8.4M | −$41.6M | −$25.2M | −$26.5M |
| Total shareholders' equity | $3.64B | $3.43B | $3.26B | $2.70B | $2.22B | $2.01B | $1.64B | $1.46B | $1.30B | $1.08B |
| Key figures | ||||||||||
| Total debt | $205.4M | $449.2M | $324.8M | $1.19B | $247.4M | $327.0M | $212.7M | $427.2M | $675.2M | $884.3M |
| Net cash (debt) | $3.75B | $4.51B | $4.01B | $2.93B | $6.54B | $4.51B | $2.58B | $2.53B | $2.25B | $1.77B |
| Working capital | $3.95B | −$18.61B | −$18.89B | −$16.29B | −$11.62B | −$10.55B | −$8.23B | −$7.83B | −$7.00B | −$6.04B |
| Tangible book value | $2.67B | $2.48B | $2.27B | $1.92B | $1.75B | $1.63B | $1.29B | $1.13B | $1.06B | $919.5M |
| Book value per share | $29.87 | $28.61 | $27.70 | $25.29 | $25.22 | $24.12 | $20.52 | $18.29 | $17.79 | $14.96 |
| Shares outstanding | 121.8M | 120.0M | 117.7M | 106.8M | 88.1M | 83.2M | 79.7M | 79.7M | 73.3M | 71.9M |
| Current ratio | 47.49 | 0.21 | 0.19 | 0.20 | 0.37 | 0.32 | 0.26 | 0.28 | 0.30 | 0.31 |
| Quick ratio | 47.49 | 0.21 | 0.19 | 0.20 | 0.37 | 0.32 | 0.26 | 0.28 | 0.30 | 0.31 |
| Debt / equity | 0.06 | 0.13 | 0.10 | 0.44 | 0.11 | 0.16 | 0.13 | 0.29 | 0.52 | 0.82 |
| Equity / assets | 13.0% | 12.4% | 11.9% | 11.2% | 10.6% | 11.3% | 12.7% | 11.6% | 10.9% | 10.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $4.24B | $4.17B | $3.32B | $4.50B | $4.64B | $4.96B | $4.96B | $4.76B | $4.17B | $4.36B | $4.33B | $3.94B |
| Cash & equivalents | $129.1M | $493.1M | $395.8M | $613.4M | $561.0M | $636.7M | $519.9M | $740.0M | $562.9M | $961.9M | $1.00B | $759.5M |
| Short-term investments | $4.11B | $3.68B | $2.92B | $3.89B | $4.08B | $4.32B | $4.44B | $4.02B | $3.60B | $3.39B | $3.33B | $3.18B |
| Receivables | $0 | $58.4M | $83.6M | $0 | $0 | $0 | $85.6M | $0 | $0 | $0 | $87.8M | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$1.09B | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $1.09B | $0 |
| Total current assets | $4.24B | $4.17B | $3.40B | $4.50B | $4.64B | $4.96B | $5.04B | $4.76B | $4.17B | $4.36B | $4.42B | $3.94B |
| Property, plant & equipment (net) | $394.3M | $391.9M | $393.7M | $394.5M | $396.5M | $391.0M | $394.3M | $396.7M | $395.2M | $386.1M | $378.4M | $371.4M |
| Goodwill & intangible assets | $961.9M | $964.8M | $967.9M | $971.1M | $974.4M | $953.4M | $956.6M | $975.1M | $978.6M | $987.5M | $990.1M | $994.1M |
| Long-term investments | $6.38B | $5.89B | $5.99B | $6.16B | $6.38B | $6.66B | $6.80B | $6.43B | $6.04B | $5.86B | $5.82B | $5.70B |
| Other non-current assets | $17.08B | $16.76B | $17.25B | $16.11B | $15.70B | $14.91B | $14.52B | $14.81B | $15.48B | $15.78B | $15.68B | $15.86B |
| Total assets | $29.05B | $28.18B | $28.00B | $28.14B | $28.09B | $27.87B | $27.72B | $27.37B | $27.06B | $27.36B | $27.30B | $26.87B |
| Liabilities | ||||||||||||
| Short-term debt | $360.0M | — | $85.0M | — | — | — | $195.0M | — | — | — | $11.4M | $37.3M |
| Total current liabilities | $360.0M | $24.03B | $23.88B | $24.02B | $23.96B | $23.76B | $23.66B | $23.25B | $22.98B | $23.33B | $23.31B | $22.90B |
| Long-term debt | $820.6M | $120.5M | $120.4M | $155.3M | $155.1M | $254.3M | $254.2M | $316.4M | $324.9M | $324.9M | $324.8M | $324.8M |
| Other long-term liabilities | $24.13B | $376.4M | $360.0M | $370.8M | $354.4M | $356.1M | $378.0M | $397.0M | $407.6M | $407.9M | $400.3M | $465.4M |
| Total liabilities | $25.31B | $24.52B | $24.36B | $24.55B | $24.47B | $24.37B | $24.29B | $23.97B | $23.71B | $24.06B | $24.04B | $23.69B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $119.8M | $119.7M | $120.6M | $121.6M | $121.4M | $119.5M | $119.4M | $119.3M | $119.2M | $119.1M | $119.0M | $119.0M |
| Retained earnings (deficit) | $1.05B | $968.2M | $914.3M | $858.4M | $802.6M | $755.0M | $714.1M | $669.0M | $652.2M | $614.6M | $581.2M | $596.6M |
| Accumulated other comprehensive income | −$152.7M | −$154.3M | −$150.6M | −$163.9M | −$177.2M | −$186.6M | −$212.9M | −$189.8M | −$234.5M | −$236.6M | −$239.2M | −$332.5M |
| Total shareholders' equity | $3.75B | $3.65B | $3.64B | $3.60B | $3.61B | $3.50B | $3.43B | $3.41B | $3.34B | $3.30B | $3.26B | $3.18B |
| Key figures | ||||||||||||
| Total debt | $380.6M | $120.5M | $205.4M | $155.3M | $155.1M | $254.3M | $449.2M | $316.4M | $324.9M | $324.9M | $324.8M | $362.1M |
| Net cash (debt) | $3.85B | $4.05B | $3.11B | $4.35B | $4.48B | $4.71B | $4.51B | $4.45B | $3.84B | $4.03B | $4.01B | $3.58B |
| Working capital | $3.88B | −$19.85B | −$20.48B | −$19.52B | −$19.33B | −$18.80B | −$18.61B | −$18.49B | −$18.81B | −$18.98B | −$18.89B | −$18.95B |
| Tangible book value | $2.78B | $2.69B | $2.67B | $2.63B | $2.64B | $2.55B | $2.48B | $2.43B | $2.36B | $2.31B | $2.27B | $2.19B |
| Book value per share | $31.09 | $30.27 | $29.87 | $29.42 | $29.75 | $29.13 | $28.61 | $28.40 | $27.91 | $27.56 | $27.24 | $26.62 |
| Shares outstanding | 120.4M | 120.7M | 121.8M | 122.3M | 121.4M | 120.2M | 120.0M | 120.0M | 119.8M | 119.7M | 119.7M | 119.6M |
| Current ratio | 11.77 | 0.17 | 0.14 | 0.19 | 0.19 | 0.21 | 0.21 | 0.20 | 0.18 | 0.19 | 0.19 | 0.17 |
| Quick ratio | 11.77 | 0.18 | 0.14 | 0.19 | 0.19 | 0.21 | 0.21 | 0.20 | 0.18 | 0.19 | 0.19 | 0.17 |
| Debt / equity | 0.10 | 0.03 | 0.06 | 0.04 | 0.04 | 0.07 | 0.13 | 0.09 | 0.10 | 0.10 | 0.10 | 0.11 |
| Equity / assets | 12.9% | 13.0% | 13.0% | 12.8% | 12.9% | 12.6% | 12.4% | 12.4% | 12.4% | 12.1% | 11.9% | 11.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 17, 2026); data from EODHD.
UCB financial position
At the end of fiscal 2025 (December 31, 2025), United Community Banks had total assets of $28.0 billion (up 1.0% from a year earlier), total liabilities of $24.4 billion and shareholders' equity of $3.6 billion. It held $4.0 billion in cash and short-term investments against $205.4 million of debt, a net cash position of $3.7 billion. Its current ratio was 47.49. In the latest quarter (ended June 30, 2026) total assets were $29.1 billion and equity $3.7 billion.
Related: UCB income statement, UCB cash flow statement, UCB key metrics. See the UCB stock overview for the latest quote and news.
UCB balance sheet FAQ
What are United Community Banks's total assets?
United Community Banks reported total assets of $28.0 billion at the end of fiscal 2025 (December 31, 2025), compared with $27.7 billion a year earlier.
How much debt does United Community Banks have?
United Community Banks had $205.4 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.06.
How much cash does United Community Banks have?
United Community Banks held $4.0 billion in cash and short-term investments at the end of fiscal 2025; with $205.4 million of debt that is net cash of $3.7 billion.
What is United Community Banks's book value?
United Community Banks's shareholders' equity (book value) was $3.6 billion at the end of fiscal 2025, or $29.87 per share.
What is United Community Banks's current ratio?
United Community Banks had current assets of $4.0 billion and current liabilities of $85.0 million, a current ratio of 47.49 (it can cover its short-term obligations).
How much goodwill does United Community Banks have?
United Community Banks carried $967.9 million of goodwill and intangible assets, 3.5% of total assets, at the end of fiscal 2025.