优时比 2026年季度报告

FORM 10-Q ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended June 30, 2026 OR UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) 58-1807304 29601 Greenville, South Carolina (Address of principal executive offices)(Zip code) (800) 822-2651(Registrant’s telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which RegisteredCommon stock, par value $1 per shareUCBNew York Stock Exchange Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities ExchangeAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has beensubject to such filing requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Date File required to be submitted pursuant toRule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant wasrequired to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and“emerging growth company” in Rule 12b-2 of the Exchange Act. Large accelerated filer☒Non-accelerated filer☐ Accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complyingwith any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒ There were 120,575,503 shares of the registrant’s common stock, par value $1 per share, outstanding as of August3, 2026. UNITED COMMUNITY BANKS, INC.FORM 10-QINDEX Glossary of Defined Terms3Cautionary Note Regarding Forward-looking Statements4PART I - Financial InformationItem 1.Financial StatementsConsolidated Balance Sheets (unaudited)5Consolidated Statements of Income (unaudited)6Consolidated Statements of Comprehensive Income (unaudited)7Consolidated Statements of Changes in Shareholders’ Equity (unaudited)8Consolidated Statements of Cash Flows (unaudited)9Notes to Consolidated Financial Statements10Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations32Item 3.Quantitative and Qualitative Disclosures About Market Risk51Item 4.Controls and Procedures51PART II - Other InformationItem 1A.Risk Factors52Item 5.Other Information.52Item 6.Exhibits53 Glossary of Defined Terms The following terms may be used throughout this report, including the consolidated financial statements and related notes. Cautionary Note Regarding Forward-looking Statements This Report contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are neither statements of historical or current fact nor are they assurances of future performance and generally canbe identified by the use of forward-looking terminology such as “believes”, “expects”, “may”, “will”, “could”, “should”, “projects”,“plans”, “goal”, “targets”, “potential”, “estimates”, “pro forma”, “seeks”, “intends”, or “anticipates”, or similar expressions. Forward-lookingstatements include discussions of strategy,financial projections,guidance and estimates(including their underlyingassumptions), statements regarding plans, objectives, expectations or consequences of various transactions (including those with respectto the effects of the Peach State acquisition and the expected sale of our equipment financing subsidiary, Navitas) or events, andstatements about our future performance, operations, products and services, and should be viewed with caution. Because forward-looking statements relate to the future, they are subject to known and unknown risks, uncertainties, assumptions, andchanges in circumstances, many of which are beyond our control, and that are difficult to predict as to timing, extent, likelihood anddegree of occurrence, and that could cause actual results to differ materially from the results implied or anticipated by the statements.Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward-looking statements include, but are not limited to the following: •negative economic and political conditions that adversely affect the general economy, the banking sector, housing prices, the realestate market, th