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United Community Banks UCB Allowance for credit losses

Allowance for credit losses at other companies

Truist Financial logo
Truist FinancialTFC
$5.03B
First Citizens BancShares logo
First Citizens BancSharesFCNCA
$1.56B-7.3%
Regions Financial logo
Regions FinancialRF
$1.53B-5.3%
UBS
United BanksharesUBSI
$299.6M-3.5%
BankUnited logo
BankUnitedBKU
$208.79M-5.0%
International Bancshares logo
International BancsharesIBOC
$160.44M+1.1%

Other financials

Income statement

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Revenue$276.5M+11.6%
Net income$84.3M+18.0%
EPS (diluted)$0.69+19.0%

Balance sheet

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Cash & equivalents$493.1M-22.5%
Total debt$120.5M-52.6%
Total equity$3.7B+4.4%
Total assets$28.2B+1.1%

Cash flow

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Operating cash flow$69.3M-29.8%
CapEx$6.9M+60.5%
Free cash flow$62.4M-33.9%

Valuation

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Market cap$3.93B+12.1%
Enterprise value$3.56B+14.0%
P/E11.5×-1.9×
P/S3.6×0.0×

Profitability

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Net margin31.2%+4.0pp
FCF margin29.7%-4.0pp

Returns & leverage

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Return on equity9.5%+1.8pp
Debt / equity0.0×

Where this comes from

Reported directly by United Community Banks in its filing.

Tagged under the XBRL concept us-gaap:FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest.

The official record: United Community Banks’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is United Community Banks's allowance for credit losses?
United Community Banks (UCB) reported allowance for credit losses of $208.4M in Q1 2026.
How has United Community Banks's allowance for credit losses changed year-over-year?
United Community Banks's allowance for credit losses decreased by 1.7% year-over-year, from $211.97M to $208.4M.
What is the long-term trend for United Community Banks's allowance for credit losses?
Over 5 years (2020 to 2025), United Community Banks's allowance for credit losses has grown at a 9.0% compound annual growth rate (CAGR), from $137.01M to $210.43M.
What does allowance for credit losses mean?
Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.