Catherine Mealor

Michael Rose

Russell Gunther

Stephen Scouten

Gary Tenner

Kyle Gierman

Christopher Marinac

- UCB reported **Q3 2025 operating diluted earnings per share of $0.75** and a **GAAP diluted EPS of $0.70**.  **[0000857855_2195296:6]** 
- The company achieved **27% year-over-year revenue growth** and an operating efficiency ratio of **53.1%**, marking a **432 bps year-over-year improvement**.  **[0000857855_2195296:6]** 
- Total loans grew by **$254 million** to **$19,175 million**  **[0000857855_2195296:8]** , and customer deposits increased by **$58 million** from Q2 2025.  **[0000857855_2195296:7]** 
- UCB maintained strong capital with a **Common Equity Tier 1 (CET1) ratio of 13.4%** and a **Tangible Common Equity to Tangible Assets ratio of 9.7%**  **[0000857855_2195296:9]** , while also **increasing its quarterly common dividend to $0.25 per share** and **redeeming $88 million of preferred stock**.  **[0000857855_2195296:10]**

UCB Reports Strong Q3 2025 Earnings and Capital Position

- United Community Bank reported **Q3 2025 operating earnings per share of $0.75**, marking a **32% year-over-year improvement**.  **[0000857855_2195588_0]** 
- Revenue grew by more than **$16 million** compared to the second quarter, driven by an **eight basis point improvement in net interest margin to 3.58%** and **5.4% annualized loan growth**.  **[0000857855_2195588_0]** **[0000857855_2195588_1]** 
- The company grew deposits by **$137 million** (excluding seasonal public outflows) and reduced its cost of deposits to **1.97%**.  **[0000857855_2195588_1]** 
- Credit quality remained strong with net charge-offs at **16 basis points** and a **13.4% CET1 ratio**.  **[0000857855_2195588_1]**  The company also redeemed the remaining **$88 million** of its preferred stock.  **[0000857855_2195588_1]** 
- Management noted increased interest from sellers regarding M&A opportunities and expects operating expenses to be flat in Q4, with a general growth rate of **3% to 4%**.  **[0000857855_2195588_4]** **[0000857855_2195588_5]**

United Community Bank Reports Strong Q3 2025 Earnings with Revenue and Loan Growth

- United Community Banks reported **Q3 2025 operating earnings per share of $0.75**, a **32% year-over-year improvement**, driven by revenue growth of **more than $16 million** compared to the prior quarter.  **[0000857855_2195547_0]** 
- The company achieved **5.4% annualized loan growth** and an **8 basis point improvement in its net interest margin to 3.58%**.  **[0000857855_2195547_0]** **[0000857855_2195547_1]**  Deposits grew by **$137 million, or 2.6% annualized**, excluding seasonal public outflows, and the cost of deposits decreased to **1.97%**.  **[0000857855_2195547_1]** 
- Credit quality remained strong with net charge-offs at **16 basis points** and a provision for credit losses that declined by approximately **$4 million** compared to the previous quarter.  **[0000857855_2195547_0]** **[0000857855_2195547_1]**  The CET1 ratio remained strong at **13.4%**.  **[0000857855_2195547_1]** 
- UCB actively managed its capital, increasing its dividend and redeeming the remaining **$88 million of preferred stock**.  **[0000857855_2195547_0]** **[0000857855_2195547_1]**  The company also noted an increase in M&A opportunities, with more sellers expressing interest.  **[0000857855_2195547_5]**

United Community Banks Reports Strong Q3 2025 Earnings with Revenue and Loan Growth

- United Community Banks, Inc. reported **net income** of **$91.5 million** for the third quarter of 2025, with **diluted earnings per share** of **$0.70** on a GAAP basis and **$0.75** on an operating basis, representing a **32%** increase in operating EPS from the year-ago quarter.  **[857855_0001104659-25-101399_tm2529198d1_ex99-1.htm:1]** **[857855_0001104659-25-101399_tm2529198d1_ex99-1.htm:3]** **[857855_0001104659-25-101399_tm2529198d1_ex99-2.htm:3]** **[857855_0001104659-25-101399_tm2529198d1_ex99-1.htm:5]** 
- The company achieved **27% year-over-year revenue growth**, with total revenue reaching **$276.8 million** in Q3 2025, and its **net interest margin** increased by **eight basis points** from the second quarter to **3.58%**.  **[857855_0001104659-25-101399_tm2529198d1_ex99-1.htm:1]** **[857855_0001104659-25-101399_tm2529198d1_ex99-1.htm:3]** **[857855_0001104659-25-101399_tm2529198d1_ex99-2.htm:3]** 
- **Loans grew by $254 million**, or **5.4% annualized**, and **customer deposits**, excluding seasonal public funds outflow, were up **$137 million**, or **2.6% annualized**.  **[857855_0001104659-25-101399_tm2529198d1_ex99-1.htm:1]** **[857855_0001104659-25-101399_tm2529198d1_ex99-2.htm:4]** 
- Key performance metrics showed improvement, with **return on assets** at **1.29%** (GAAP) and **1.33%** (operating), and the **operating efficiency ratio** improved to **53.1%**.  **[857855_0001104659-25-101399_tm2529198d1_ex99-1.htm:1]** **[857855_0001104659-25-101399_tm2529198d1_ex99-1.htm:2]** **[857855_0001104659-25-101399_tm2529198d1_ex99-2.htm:3]** **[857855_0001104659-25-101399_tm2529198d1_ex99-2.htm:6]** 
- The company increased its **quarterly common dividend to $0.25 per share** and maintained a strong **preliminary Common Equity Tier 1 ratio of 13.4%**.  **[857855_0001104659-25-101399_tm2529198d1_ex99-1.htm:2]** **[857855_0001104659-25-101399_tm2529198d1_ex99-2.htm:3]** **[857855_0001104659-25-101399_tm2529198d1_ex99-2.htm:5]**

United Community Banks, Inc. Reports Strong Third Quarter 2025 Earnings

- UCB announced **three- and four-year data** from open-label extension Phase 3 trials for **BIMZELX® (bimekizumab-bkzx)** in moderate-to-severe plaque psoriasis.  **[857855_20250917CL75527:0]** 
- The data showed that **48.9% of Week 16 PASI 0 responders sustained complete skin clearance (PASI 0)** at every study visit from Week 16 to four years.  **[857855_20250917CL75527:0]** 
- BIMZELX also demonstrated improvements in nail psoriasis, with **81.8% and 82.7% of patients achieving nail matrix and nail bed mNAPSI 0**, respectively, over three years.  **[857855_20250917CL75527:0]** 
- Among patients with psoriasis and four or more risk factors for PsA at baseline, **98.1% maintained PASE <47 (no PsA symptoms)** to three years, supporting long-term treatment to reduce PsA risk factors.  **[857855_20250917CL75527:0]**

UCB Announces Positive Long-Term Data for BIMZELX in Plaque Psoriasis

- UCB announced **three-year data** from the BE HEARD trials for **BIMZELX® (bimekizumab-bkzx)** in adults with moderate-to-severe hidradenitis suppurativa (HS) on **September 17, 2025**.  **[857855_20250917CL75509:0]** 
- The data demonstrated **sustained symptom relief**, with improvements in HiSCR75, HiSCR90, and HiSCR100 at one year sustained to three years in **81.2%**, **64.3%**, and **50.1%** of patients, respectively.  **[857855_20250917CL75509:0]** 
- **BIMZELX** continued to be **generally well tolerated**, with **no new safety signals observed up to three years**.  **[857855_20250917CL75509:0]** **[857855_20250917CL75509:1]** 
- Patients treated **earlier** in their moderate-to-severe HS with BIMZELX had **improved outcomes** at two years.  **[857855_20250917CL75509:0]**

UNITED COMMUNITY BANKS (UCB)