37.47
+1.30%
Close of 9 Nov 2026, in USD
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About United Community Banks
From its filings with the US Securities and Exchange Commission
United Community Banks is based in Greenville, South Carolina and is incorporated in Georgia. Its shares trade on NYSE under the ticker UCB. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $1.06bn and net income of $328.1m. At that date it held total assets of $28.00bn and shareholders' equity of $3.64bn.
United Community Banks, Inc., headquartered in Greenville, South Carolina, is a bank holding company under the BHC Act and a financial holding company under the GLB Act. We provide diversified financial services primarily through our principal subsidiary, United Community Bank, a South Carolina state-chartered bank. We have grown through a combination of strategic acquisitions and organic growth throughout Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama as well as nationally through our SBA/USDA lending and equipment finance businesses. As of December 31, 2025, we had consolidated total assets of $28.0 billion.
As a financial holding company, we coordinate the financial resources of the consolidated enterprise and maintain systems of financial, operational, and administrative control intended to coordinate selected policies and activities, including as described in Item 9A of Part II.
We provide a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including our branches, other offices, the internet, and mobile applications.
Quoted from its 10-K, filed 17 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 16 May 2001
- Employees
- 3,070
- Website
- ucbi.com ↗
- Head office
- 200 E. CAMPERDOWN WAY, GREENVILLE, SC, 29601
- Incorporated in
- GA
- Classification
- State Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. H. Lynn HartonChairman of the Board, President, Chief Executive Officer, since 2012$4.9m
- Mr. Jefferson HarralsonChief Financial Officer, Executive Vice President$1.7m
- Ms. Holly BerryChief Human Resources Officer
- Ms. Melinda LuxExecutive Vice President, Chief Administrative Officer, General Counsel, Corporate Secretary$1.5m
- Mr. Robert EdwardsExecutive Vice President, Chief Risk Officer$1.2m
- Mr. Richard BradshawExecutive Vice President, Chief Banking Officer, Chief Banking Officer of United Community and President of the Bank$2.1m
- Mr. Mark TerryChief Information Officer
- Mr. Abraham CoxChief Consumer and Small Business Banking Officer
- Mr. Thomas RichlovskyLead Independent Director$178,340
- Ms. Jennifer BazanteIndependent Director$134,172
- Mr. George BellIndependent Director$140,007
- Dr. James ClementsIndependent Director$134,172
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 59
- Environment
- 42
- Social
- 70
- Governance
- 67
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- United Community Banks Inc, being a financial institution, has several strengths that contribute to its success and competitiveness in the market.
- Strong Financial Position: United Community Banks Inc possesses a strong financial position with ample liquidity, allowing it to weather economic downturns and seize growth opportunities.
- Diversified Product Portfolio: The company offers a wide range of banking products and services, including consumer and business banking, mortgage lending, wealth management, and more. This diversification minimizes risk and increases revenue potential.
- Solid Customer Base: United Community Banks Inc has built a large and loyal customer base, supported by its focus on personalized customer service and strong relationships with individuals, businesses, and communities.
- Experienced Management Team: The company is led by a highly experienced management team that possesses deep knowledge of the banking industry, allowing for effective decision-making and strategic planning.
Weaknesses
- While United Community Banks Inc maintains a strong position in the market, it also faces certain weaknesses that could hinder its performance and growth potential.
- Regional Concentration: The majority of United Community Banks Inc's operations are concentrated in specific regions, making it vulnerable to regional economic downturns or fluctuations.
- Limited Market Presence: Despite its strong customer base, United Community Banks Inc has yet to establish a nationwide presence, limiting its market reach and potential expansion opportunities.
- Regulatory Compliance: Like any financial institution, United Community Banks Inc must comply with numerous regulatory requirements. Failure to meet these requirements can lead to fines, reputational damage, and legal issues.
Opportunities
- United Community Banks Inc can leverage various opportunities to drive growth and further strengthen its position in the market.
- Mergers and Acquisitions: The company can pursue strategic mergers and acquisitions to expand its geographic footprint, access new markets, and acquire advanced technologies or capabilities.
- Digital Banking and Innovation: By investing in digital banking solutions and embracing emerging technologies, United Community Banks Inc can enhance its offerings, improve customer experience, and attract tech-savvy customers.
- Growing Loan Demand: As the economy strengthens, there may be increasing demand for loans from both businesses and individuals. United Community Banks Inc can capitalize on this opportunity to meet customer needs and boost its loan portfolio.
Threats
- United Community Banks Inc faces certain threats that could impact its operations and profitability if not properly addressed.
- Intense Competition: The banking industry is highly competitive, with traditional banks, online banks, and fintech companies vying for market share. United Community Banks Inc must continuously innovate and differentiate its offerings to stay ahead.
- Economic Volatility: Fluctuations in interest rates, inflation, unemployment, and other economic factors can significantly impact the profitability of United Community Banks Inc and its customers' ability to repay loans.
- Cybersecurity Risks: With the increasing reliance on technology, the banking industry faces heightened cybersecurity risks, including the threat of data breaches or hacking attempts. United Community Banks Inc must invest in robust security measures to protect customer information.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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