United Community Banks Q2 net income rises 18% to $78.7 million, EPS $0.63
United Community Banks reported second-quarter 2025 net income of $78.7 million, or $0.63 per diluted share on a GAAP basis, compared with $66.6 million, or $0.54 per share, a year earlier. Operating EPS was $0.66, up 14% from the year-ago quarter, and the company said higher net interest income and lower provision for credit losses drove the gain. Shareholders also see the first full quarter contribution from the American National Bank acquisition completed May 1, and a quarterly dividend of $0.24 per share, up 4% from a year earlier.
Key points
- Net income $78.7 million vs. $66.6 million in Q2 2024; GAAP diluted EPS $0.63 vs. $0.54
- Total revenue $260.2 million vs. $245.3 million a year earlier; net interest margin 3.50%, up 14 basis points from Q1
- Provision for credit losses $11.8 million, down from $15.4 million in Q1 2025; net charge-offs $8.2 million, or 0.18% of average loans
- Quarterly common dividend $0.24 per share, up 4% year over year; earnings call set for July 23 at 9:00 a.m. ET
The filing
Written by AI on Nov 8, 2026, 1:00 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on July 23, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.