Every material Form 8-K United Community Banks filed with the SEC in 2025, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
United Community Banks reported third-quarter 2025 net income of $91.5 million and diluted EPS of $0.70, up from $0.38 in the year-earlier quarter, which included losses from a manufactured housing loan sale. Total revenue rose 27% year over year to $276.8 million, and operating EPS was $0.75, up 32%. Noninterest expenses rose from the second quarter, but the filing shows higher earnings and revenue for shareholders.
Net income of $91.5 million and pre-tax, pre-provision income of $126.0 million, both up from the second quarter
Total revenue of $276.8 million, up 27% year over year; net interest margin of 3.58%, up eight basis points from the second quarter
Provision for credit losses fell to $7.9 million from $14.4 million a year earlier
Quarterly common dividend increased to $0.25 per share, up 4% year over year; all preferred stock redeemed, with a book value of $88.3 million
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.
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
United Community Banks reported first-quarter 2025 net income of $71.4 million and GAAP diluted EPS of $0.58, up from $0.51 a year earlier but down from $0.61 in the fourth quarter of 2024. The company said net interest margin rose to 3.36% and loans grew $249 million, and it expects to close its planned acquisition of American National Bank on May 1.
Net income $71.4 million vs $62.6 million in Q1 2024; GAAP diluted EPS $0.58 vs $0.51 a year earlier and $0.61 in Q4 2024
Operating diluted EPS $0.59, up 13% from the year-ago quarter
Net interest margin 3.36%, up 10 basis points from Q4 2024; loans grew $249 million from Q4 2024
Quarterly dividend of $0.24 per share, up 4% year over year; American National Bank acquisition expected to close May 1
United Community Banks entered into a one-year employment agreement with Richard W. Bradshaw, who continues as Executive Vice President and Chief Banking Officer, effective February 10, 2025. The agreement sets a minimum base salary of $675,000 and includes severance terms if he is terminated without cause or resigns for good reason, which shareholders may view as a retention and compensation commitment for a senior executive.
Agreement effective February 10, 2025, for a one-year term that renews automatically each year unless notice of nonrenewal is given
Base salary not less than $675,000; target annual cash incentive at least 100% of base salary
Severance upon termination without cause or for good reason includes 1.5 times base salary plus target incentive, plus 18 months of COBRA premiums
United Community Banks reported fourth-quarter 2024 net income of $75.8 million and GAAP diluted earnings per share of $0.61, compared with $14.1 million and $0.11 a year earlier. The year-ago quarter included a bond portfolio restructuring loss, so the comparison is affected by that charge. For shareholders, the filing shows higher profit and per-share earnings for both the quarter and full year 2024.
Q4 2024 net income $75.8 million vs $14.1 million in Q4 2023; GAAP diluted EPS $0.61 vs $0.11
Q4 2024 operating diluted EPS $0.63, up 19% from the year-ago quarter
Full-year 2024 net income $252 million and diluted EPS $2.04, vs $1.54 in 2023
Net interest margin fell seven basis points to 3.26% from the third quarter of 2024
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.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every United Community Banks filing is on SEC EDGAR ↗. 8-K briefs of other companies →