United Community Banks Q2 2026 EPS $0.95 GAAP, $0.71 operating; loan growth 6.8% annualized

UNITED COMMUNITY BANKS INC

GAAP EPS $0.95, operating EPS $0.71; net income $115.6M, up 47% YoY.
Total revenue $279.3M, up 7% YoY; net interest margin 3.68%, up 18 bps YoY (sixth consecutive quarter of expansion).
Loan growth $332M (6.8% annualized); customer deposits down $295M due to seasonal public fund outflows.
Quarterly dividend $0.25/share, up 4% YoY; preliminary CET1 ratio 13.5%.
Provision for credit losses negative $29.8M due to $38.5M release on Navitas loans reclassified to held-for-sale; sale expected Q3 2026.

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