United Community Banks, Inc. (UCB)

Solvency & Capital Structure

Total Debt

$380.6M

Net Debt

-$3.85B

United Community Banks, Inc. currently has $380.6M in total debt. Net debt is -$3.85B after cash offsets. This 'Net Cash' position indicates exceptional financial strength.

Financial Fundamentals

UCB • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	0.38	4.24	-3.85Net Cash	29.05	1.3%
2026-03-31	0.12	4.17	-4.05Net Cash	28.18	0.4%
2025-12-31	0.21	3.32	-3.11Net Cash	28.00	0.7%
2025-09-30	0.16	4.50	-4.35Net Cash	28.14	0.6%
2025-06-30	0.16	4.64	-4.48Net Cash	28.09	0.6%
2025-03-31	0.25	4.96	-4.71Net Cash	27.87	0.9%
2024-12-31	0.45	4.96	-4.51Net Cash	27.72	1.6%
2024-09-30	0.32	4.76	-4.45Net Cash	27.37	1.2%
2024-06-30	0.32	4.17	-3.84Net Cash	27.06	1.2%
2024-03-31	0.32	4.36	-4.03Net Cash	27.36	1.2%
2023-12-31	0.32	4.33	-4.01Net Cash	27.30	1.2%
2023-09-30	0.36	3.94	-3.58Net Cash	26.87	1.3%
2023-06-30	0.32	4.07	-3.75Net Cash	26.12	1.2%
2023-03-31	0.36	4.11	-3.75Net Cash	25.87	1.4%
2022-12-31	1.19	4.13	-2.93Net Cash	24.01	5.0%
2022-09-30	0.32	0.22	0.10	23.69	1.4%
2022-06-30	0.32	0.24	0.09	24.21	1.3%
2022-03-31	0.32	0.18	0.15	24.37	1.3%
2021-12-31	0.25	6.79	-6.54Net Cash	20.95	1.2%
2021-09-30	0.25	6.07	-5.82Net Cash	19.48	1.3%
2021-06-30	0.26	5.50	-5.23Net Cash	18.90	1.4%
2021-03-31	0.31	5.08	-4.77Net Cash	18.56	1.7%
2020-12-31	0.33	4.83	-4.51Net Cash	17.79	1.8%
2020-09-30	0.33	3.74	-3.41Net Cash	17.15	1.9%
2020-06-30	0.31	3.45	-3.14Net Cash	15.00	2.1%
2020-03-31	0.21	2.77	-2.56Net Cash	13.09	1.6%
2019-12-31	0.21	2.79	-2.58Net Cash	12.92	1.6%
2019-09-30	0.28	2.63	-2.35Net Cash	12.81	2.2%
2019-06-30	0.45	2.64	-2.19Net Cash	12.78	3.5%
2019-03-31	0.30	2.78	-2.48Net Cash	12.51	2.4%
2018-12-31	0.43	2.96	-2.53Net Cash	12.57	3.4%
2018-09-30	0.59	2.90	-2.31Net Cash	12.41	4.7%
2018-06-30	0.88	2.85	-1.97Net Cash	12.39	7.1%
2018-03-31	0.76	2.77	-2.01Net Cash	12.26	6.2%
2017-12-31	0.68	2.93	-2.25Net Cash	11.92	5.7%
2017-09-30	0.65	2.79	-2.14Net Cash	11.13	5.8%
2017-06-30	0.84	2.71	-1.86Net Cash	10.84	7.8%
2017-03-31	0.74	2.67	-1.92Net Cash	10.73	6.9%
2016-12-31	0.88	2.65	-1.77Net Cash	10.71	8.3%
2016-09-30	0.66	2.44	-1.78Net Cash	10.30	6.4%
2016-06-30	0.90	2.54	-1.64Net Cash	9.93	9.1%
2016-03-31	0.67	2.59	-1.91Net Cash	9.78	6.9%
2015-12-31	0.61	2.53	-1.92Net Cash	9.62	6.3%
2015-09-30	0.38	2.31	-1.92Net Cash	9.41	4.1%
2015-06-30	0.52	2.15	-1.62Net Cash	8.25	6.4%
2015-03-31	0.38	1.99	-1.60Net Cash	7.66	5.0%
2014-12-31	0.41	1.98	-1.57Net Cash	7.57	5.4%
2014-09-30	0.47	2.01	-1.54Net Cash	7.53	6.2%
2014-06-30	0.38	1.98	-1.60Net Cash	7.35	5.2%
2014-03-31	0.30	2.05	-1.75Net Cash	7.40	4.1%
2013-12-31	0.36	2.06	-1.70Net Cash	7.43	4.8%
2013-09-30	0.18	2.23	-2.04Net Cash	7.24	2.5%
2013-06-30	0.25	2.20	-1.95Net Cash	7.16	3.5%
2013-03-31	0.18	2.16	-1.98Net Cash	6.85	2.6%
2012-12-31	0.27	2.09	-1.82Net Cash	6.80	4.0%
2012-09-30	0.22	0.18	0.05	6.70	3.3%
2012-06-30	0.30	0.18	0.11	6.74	4.4%
2012-03-31	0.44	0.19	0.24	7.17	6.1%
2011-12-31	0.37	2.17	-1.80Net Cash	6.98	5.2%
2011-09-30	0.26	0.30	-0.04Net Cash	7.16	3.7%
2011-06-30	0.29	0.21	0.09	7.41	4.0%
2011-03-31	0.31	0.62	-0.31Net Cash	7.97	3.9%
2010-12-31	0.31	0.21	0.10	7.44	4.1%
2010-09-30	0.31	0.17	0.14	7.01	4.4%
2010-06-30	0.36	0.22	0.14	7.65	4.7%
2010-03-31	0.37	0.21	0.16	7.84	4.7%
2009-12-31	0.37	0.25	0.12	8.00	4.6%
2009-09-30	0.57	0.27	0.29	8.44	6.7%
2009-06-30	0.69	0.18	0.50	8.40	8.2%
2009-03-31	0.57	0.11	0.46	8.14	7.0%
2008-12-31	0.49	0.12	0.37	8.59	5.8%
2008-09-30	0.54	0.17	0.38	8.07	6.7%
2008-06-30	0.68	0.19	0.49	8.26	8.3%
2008-03-31	1.26	0.18	1.07	8.39	15.0%
2007-12-31	1.27	0.22	1.05	8.21	15.4%
2007-09-30	1.13	0.24	0.89	8.18	13.8%
2007-06-30	0.85	0.19	0.66	8.09	10.5%
2007-03-31	0.65	0.18	0.47	7.19	9.1%
2006-12-31	0.67	0.17	0.50	7.10	9.4%
2006-09-30	0.58	0.15	0.43	6.46	9.0%
2006-06-30	0.82	0.18	0.64	6.33	13.0%
2006-03-31	0.79	0.16	0.63	6.07	13.0%
2005-12-31	1.08	0.14	0.94	5.87	18.4%
2005-09-30	1.05	0.17	0.88	5.71	18.4%
2005-06-30	1.13	0.13	1.00	5.54	20.4%
2005-03-31	1.05	0.12	0.93	5.27	20.0%
2004-12-31	0.98	0.13	0.85	5.09	19.3%
2004-09-30	0.88	0.16	0.72	4.59	19.1%
2004-06-30	0.83	0.19	0.64	4.53	18.4%
2004-03-31	0.71	0.12	0.59	4.12	17.2%
2003-12-31	0.89	0.16	0.73	4.07	21.9%
2003-09-30	0.84	0.16	0.68	3.94	21.2%
2003-06-30	0.73	0.14	0.59	3.91	18.6%
2003-03-31	0.57	0.16	0.42	3.58	16.0%
2002-12-31	0.59	0.11	0.48	3.21	18.3%
2002-09-30	0.47	0.12	0.35	3.14	14.9%
2002-06-30	0.45	0.15	0.29	3.01	14.8%
2002-03-31	0.39	0.10	0.30	2.87	13.7%
2001-12-31	0.42	0.10	0.31	2.75	15.1%
2001-09-30	0.34	0.14	0.21	2.56	13.5%
2001-06-30	0.38	0.13	0.25	2.57	14.6%
2001-03-31	0.36	0.15	0.21	2.58	13.9%
2000-12-31	0.35	0.10	0.25	2.53	13.9%
2000-09-30	0.36	0.14	0.22	2.50	14.5%
2000-06-30	0.38	0.11	0.27	2.23	17.0%
2000-03-31	0.39	0.08	0.31	2.17	17.8%