United Community Banks Q2 EPS $0.66 operating, NIM expands 14 bps to 3.50%

UNITED COMMUNITY BANKS INC

2025-Q2 EPS reported $1.21 revenue$507,916,000

GAAP EPS $0.63, operating EPS $0.66; up 14% YoY on operating basis.
Net interest margin 3.50%, up 14 bps from Q1; net interest income up $13.5M linked quarter.
Completed acquisition of American National Bank on May 1; loan growth $194M ex-ANB (4.2% annualized).
NCO ratio 0.18% (down 3 bps), NPAs 0.30% of assets (down from 0.33% Q1).
Quarterly dividend $0.24, up 4% YoY; tangible book value $21.00 (+$0.42 from Q1).

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