United Community Banks reported full year (FY) 2025 interest revenue of USD 1.38 billion, while net interest revenue reached USD 909.11 million. Interest expense for the period was USD 473.83 million. Total common shareholders' equity stood at USD 3.64 billion as of December 31, 2025. The company and its banking subsidiary remained characterized as "well-capitalized" under regulatory guidelines, with a consolidated CET1 capital ratio of 13.44% and a total capital ratio of 14.77% at year-end. Noninterest expense decreased, reflecting the absence of the prior year's loss on the FinTrust sale.
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