{
  "url": "https://struct.news/briefs/united-communitys-profit-surged-as-deposit-costs-fell-faster-than-loan-yields",
  "title": "United Community’s profit surged as deposit costs fell faster than loan yields",
  "summary": "Net income climbed 46.9% to $115.6 million in the three months ended June 30, even as the bank retained more SBA and USDA loans instead of selling them.",
  "published_at": "2026-08-05T19:03:40.131336+00:00",
  "publisher": "Struct",
  "usage": "Figures are as reported by the company. Quote with attribution to the source filing.",
  "company": {
    "name": "United Community Banks, Inc.",
    "ticker": "UCB",
    "cik": "857855",
    "sector": "Financial Services",
    "industry": "Banks - Regional"
  },
  "source_filing": {
    "form": "10-Q",
    "filed": "2026-08-05",
    "accession": "0000857855-26-000076",
    "url": "https://www.sec.gov/Archives/edgar/data/857855/000085785526000076/ucbi-20260630.htm"
  },
  "comparison_filing": {
    "form": "10-Q",
    "filed": "2025-08-08",
    "url": "https://www.sec.gov/Archives/edgar/data/857855/000085785525000131/ucbi-20250630.htm"
  },
  "reported_figures": [
    {
      "group": "The filing in three numbers",
      "label": "Revenue",
      "value": 1063152000,
      "display": "$1.1B",
      "unit": "usd",
      "period": "2025-12-31",
      "detail": null,
      "source": {
        "kind": "sec_filing",
        "label": "Filed company results",
        "form": "10-Q",
        "accession": "0000857855-26-000076",
        "filing_date": "2026-08-05"
      }
    },
    {
      "group": "The filing in three numbers",
      "label": "Revenue YoY",
      "value": 11.661086161046242,
      "display": "+11.7%",
      "unit": "percent",
      "period": "2025-12-31",
      "detail": null,
      "source": {
        "kind": "jodie_calculation",
        "label": "Calculated from filed company results",
        "form": "10-Q",
        "accession": "0000857855-26-000076",
        "filing_date": "2026-08-05"
      }
    },
    {
      "group": "The filing in three numbers",
      "label": "Net margin",
      "value": 30.86059190031153,
      "display": "+30.9%",
      "unit": "percent",
      "period": "2025-12-31",
      "detail": null,
      "source": {
        "kind": "jodie_calculation",
        "label": "Calculated from filed company results",
        "form": "10-Q",
        "accession": "0000857855-26-000076",
        "filing_date": "2026-08-05"
      }
    }
  ],
  "watch_next": [
    {
      "type": "interest_rates",
      "statement": "United's latest margin expansion came as deposit rates fell faster than loan yields after 75 basis points of aggregate federal-funds-rate cuts.",
      "importance": "medium",
      "evidence": "The increases in net interest margin were primarily due to the larger decrease in interest rates paid on deposits compared to the decrease in interest rates earned on loans following aggregate reductions of 75 basis points in the federal funds rate over the past year.",
      "source_date": "2026-08-05"
    }
  ],
  "related_tickers": [
    "UCB"
  ],
  "disclaimer": "Descriptive reporting of filed results. Not investment advice, and contains no forecast or recommendation."
}