0000857855-26-000008 | 10-K | XBRL Viewer | United Community Banks INC

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Benefit Plans - Schedule of Changes in Obligations and Plan Assets (Details) - Modified Retirement Plan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Accumulated benefit obligation:
Accumulated benefit obligation - beginning of year	$ 20,232	$ 21,641
Service cost	486	500	$ 463
Interest cost	1,099	1,042	1,035
Actuarial losses (gains)	501	(1,783)
Benefits paid	(1,202)	(1,168)
Accumulated benefit obligation - end of year	21,116	20,232	21,641
Change in plan assets, at fair value:
Beginning plan assets	0	0
Employer contribution	1,202	1,168
Benefits paid	(1,202)	(1,168)
Plan assets - end of year	0	0	$ 0
Funded status - end of year (plan assets less benefit obligations)	$ (21,116)	$ (20,232)

Benefit Plans - Narrative (Details) - USD ($)	12 Months Ended
Benefit Plans - Narrative (Details) - USD ($)	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Defined Benefit Plan Disclosure [Line Items]
Employer match of employee contributions (percent)	100.00%
Employer matching contribution maximum percent of employee's eligible compensation (percent)	5.00%
Service period to receive matching contribution	90 days
Compensation expense related to 401(k) Plan	$ 11,600,000	$ 11,200,000	$ 10,900,000
Common stock issuable under the deferred compensation plan (in shares)	618,866	600,168
Executive officers, certain key employees, and board of directors
Defined Benefit Plan Disclosure [Line Items]
Matching contributions to deferred compensation plan	$ 117,000	$ 125,000	85,000
Discretionary contributions to deferred compensation plan	$ 0	$ 0	$ 0

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

Investments - Narrative (Details)	Dec. 31, 2025 USD ($) security	Dec. 31, 2024 USD ($)
Debt Securities, Available For Sale And Held To Maturity [Line Items]
Number of AFS debt securities in unrealized loss position \| security	486
Number of HTM debt securities in unrealized loss position \| security	282
Allowance for credit losses, HTM portfolio	$ 0	$ 0
Allowance for credit losses, AFS portfolio	0	0
Pledged securities \| Deposits
Debt Securities, Available For Sale And Held To Maturity [Line Items]
Securities	$ 2,980,000,000	$ 3,200,000,000

Income Taxes

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Income Taxes

Income tax expense is as follows for the years indicated:


	Year Ended December 31,
(in thousands)	2025		2024		2023
Federal
Current	$	74,001	$	58,041	$	36,982
Deferred	11,309		4,546		4,013
Total federal	85,310		62,587		40,995
State
Current	10,171		5,372		1,630
Deferred	(1,080)		2,517		2,259
Total state	9,091		$	7,889	$	3,889
(Decrease) increase in valuation allowance	(84)		133		117
Total income tax expense	$	94,317	$	70,609	$	45,001

The differences between the provision for income taxes and the amount computed by applying the statutory federal income tax rate of 21% in 2025, 2024 and 2023 to income before income taxes are as follows for the years indicated:


	Year Ended December 31,
(in thousands)	2025				2024				2023
	Amount		%		Amount		%		Amount		%
Pretax income at statutory rates	$	88,707	21.00	%	$	67,831	21.00	%	$	48,834	21.00	%

State taxes, net of federal benefit	7,116		1.68		6,337		1.96		3,164		1.36
Tax credits
Rehabilitation	(116)		(0.03)		(170)		(0.05)		(181)		(0.08)
Renewable energy	(9,161)		(2.17)		(596)		(0.18)		(3,820)		(1.64)
Low income housing	(7,876)		(1.86)		(7,067)		(2.19)		(6,280)		(2.70)
Nontaxable or nondeductible items
BOLI earnings	(2,027)		(0.48)		(1,896)		(0.59)		(1,685)		(0.72)
Tax-exempt interest revenue	(2,704)		(0.64)		(2,902)		(0.90)		(2,781)		(1.20)
FDIC premium expense	1,739		0.41		1,734		0.54		1,539		0.66
Tax losses from partnership investments	(2,107)		(0.50)		(929)		(0.29)		(1,129)		(0.49)
Share-based payment awards	(628)		(0.15)		(696)		(0.21)		(781)		(0.34)
Other	2,514		0.60		1,065		0.33		2,109		0.91
Other adjustments
Proportional amortization	17,286		4.09		7,046		2.18		6,680		2.87
Other, net	1,115		0.27		325		0.10		(778)		(0.33)
Changes in unrecognized tax benefits	459		0.11		527		0.16		110		0.05
Total income tax expense	$	94,317	22.33	%	$	70,609	21.86	%	$	45,001	19.35	%

The states that make up the majority (greater than 50%) of the state taxes reconciling item for the periods reported are as follows:

•2025: Alabama, Florida, North Carolina and Georgia;

•2024: Florida, South Carolina, Tennessee and Georgia;

•2023: Georgia, Florida and North Carolina.

The following summarizes the sources and expected tax consequences of future taxable deductions (revenue) which comprise the net DTA as of the dates indicated:


	December 31,
(in thousands)	2025		2024
DTAs:
ACL	$	50,444	$	49,542
Net operating loss carryforwards	15,154		14,137
Deferred compensation	12,688		12,697
Loan purchase accounting adjustments	11,391		12,527

Nonqualified share based compensation	2,648		2,527
Accrued expenses	11,977		10,452


Unrealized losses on AFS securities	45,043		67,357


Deferred gains on SBA/USDA loan sales	1,560		1,483
Lease liability	9,294		10,843
Other	5,652		3,173
Total DTAs	165,851		184,738
DTLs:

Unrealized gains on cash flow hedges	949		5,534
Acquired intangible assets	10,362		11,669
Premises and equipment	16,004		14,408
Loan origination costs	13,930		11,893
True tax leases	19,600		13,362
Servicing assets	9,998		9,453
Derivatives	884		899
ROU asset	8,975		10,317
Securities purchase accounting adjustments	942		1,977
BOLI	1,566		1,734
Trust preferred securities debt issuance	1,398		1,453
Uncertain tax positions	2,542		2,158
Other	1,752		1,727
Total DTLs	88,902		86,584
Less valuation allowance	1,088		1,172
Net DTA	$	75,861	$	96,982

At December 31, 2025, United had:

•$35.4 million of state net operating loss carryforwards subject to annual limitation under Internal Revenue Code Section 382 that begin to expire in 2026, if not previously utilized.

•$27.5 million of state net operating loss carryforwards that begin to expire in 2026, if not previously utilized.

•$41.7 million in federal net operating loss carryforwards subject to annual limitation under IRC Section 382 that begin to expire in 2027, if not previously utilized.

•$5.50 million of state tax credits that begin to expire in 2027, if not previously utilized.

Management assesses the valuation allowance recorded against DTAs at each reporting period. The determination of whether a valuation allowance for DTAs is appropriate is subject to considerable judgment and requires an evaluation of all the positive and negative evidence. ASC 740 requires that companies assess whether a valuation allowance should be established against their DTAs based on the consideration of all available evidence using a “more likely than not” standard.

At December 31, 2025 and 2024, based on the assessment of all the positive and negative evidence, management concluded that it is more likely than not that nearly all of the net DTA will be realized based upon future taxable income. The valuation allowance of $1.09 million and $1.17 million, respectively, was related to acquired state net operating losses, which are subject to limitations and are therefore expected to expire unused.

The valuation allowance could fluctuate in future periods based on the assessment of the positive and negative evidence. Management’s conclusion at December 31, 2025 that it was more likely than not that the net DTA of $75.9 million will be realized is based on management’s estimate of future taxable income. Management’s estimate of future taxable income is based on internal forecasts which consider historical performance, various internal estimates and assumptions, as well as certain external data all of which management believes to be reasonable although inherently subject to significant judgment. If actual results differ significantly from the current estimates of future taxable income, even if caused by adverse macro-economic conditions, the valuation allowance may need to be increased for some or all of the net DTA.

A reconciliation of the beginning and ending unrecognized tax benefit related to uncertain tax positions is as follows for the years indicated:


(in thousands)	2025		2024		2023
Balance at beginning of year	$	3,535	$	2,956	$	2,848
Additions based on tax positions related to the current year	1,272		999		939
Decreases resulting from a lapse in the applicable statute of limitations	(582)		(420)		(831)

Balance at end of year	$	4,225	$	3,535	$	2,956

Approximately $3.34 million of the unrecognized tax benefit at December 31, 2025 would increase income from continuing operations, and thus affect United’s effective tax rate, if ultimately recognized into income.

United recognizes interest and penalties relative to unrecognized tax benefits in income tax expense. No amounts related to unrecognized tax benefits were accrued or expensed at December 31, 2025 or 2024.

United and its subsidiaries file a consolidated U.S. federal income tax return, as well as various state returns in the states where it operates. United’s federal and state income tax returns are generally no longer subject to examination by taxing authorities for years before 2022.

- Definition

The entire disclosure for income tax.

+ References

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+ Details

Accounting Standards Updates and Recently Adopted Standards	12 Months Ended
	Dec. 31, 2025
Accounting Standards Update and Change in Accounting Principle [Abstract]
Accounting Standards Updates and Recently Adopted Standards	Accounting Standards Updates and Recently Adopted Standards Recently Adopted Standards In August 2023, the FASB issued ASU No. 2023-05, Business Combinations - Joint Venture Formations (Subtopic 805-60): Recognition and Initial Measurement. The update addresses the accounting for contributions made to a joint venture, upon formation, in a joint venture’s separate financial statements. Specifically, a joint venture must apply a new basis of accounting upon formation and will initially measure its assets and liabilities at fair value. This guidance is effective prospectively for all joint venture formations dated on or after January 1, 2025. Adoption of this update as of January 1, 2025 did not have a material impact on the consolidated financial statements. In December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The update requires disclosure of specific categories in the rate reconciliation and information for reconciling items that meet a quantitative threshold. In addition, the update requires disaggregated disclosure of income taxes paid and income tax expense by jurisdiction. This guidance is effective for annual periods beginning after December 15, 2024. Adoption of this update as of January 1, 2025 did not have a material impact on the consolidated financial statements; see Note 19 for disclosures required by this update. Accounting Standards Updates Not Yet Adopted as of December 31, 2025 In November 2024, the FASB issued ASU No. 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40), further clarified by ASU No. 2025-01. The update requires disclosure of specified information about certain expenses, including: employee compensation, depreciation and intangible asset amortization included in each relevant expense caption. The update also requires disclosure of certain other expenses, gains and losses that are already required to be disclosed in the same disclosure as other disaggregation requirements. This guidance is effective for annual periods beginning after December 15, 2026 and interim reporting periods beginning after December 15, 2027. United does not expect the new guidance to have a material impact on its consolidated financial statements. In November 2025, the FASB issued ASU 2025-08, Financial Instruments—Credit Losses (Topic 326):Purchased Loans. The update expands the population of acquired financial assets subject to the gross-up approach in Topic 326 to include acquired seasoned loans without credit deterioration (excluding credit cards). This guidance is effective for annual periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods with early adoption permitted. The amendments in this update are to be applied prospectively to loans that are acquired on or after the initial application date. United adopted this update January 1, 2026 and will implement the guidance upon the occurrence of a future acquisition transaction. In November 2025, the FASB issued ASU 2025-09, Derivatives and Hedging (Topic 815): Hedge Accounting Improvements. The update clarifies hedge accounting guidance and addresses issues arising from the global reference rate reform initiative. There are five issues addressed: 1) expanding risks permitted to be aggregated for cash flow hedges to include those having a similar risk exposure; 2) provide cash flow accounting guidance on choose-your-rate debt instruments; 3) expand hedge accounting for forecasted purchases and sales of nonfinancial assets; 4) update guidance on net written options as hedging instruments; 5) refine foreign-currency-denominated debt instrument as hedging instrument and hedged item (dual hedge). This guidance is effective for annual periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. The amendments in this update are to be applied on a prospective basis. United does not expect the new guidance to have a material impact on its consolidated financial statements. In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements. The update provides a comprehensive list of interim disclosures that are required by GAAP to provide clarity about the current requirements. The update also includes a disclosure principle that requires entities to disclose events since the end of the last annual reporting period that have a material impact on the entity. This guidance is effective for interim reporting periods within annual reporting periods beginning after December 15, 2027. Early adoption is permitted. The amendments in this update can be applied prospectively or retrospectively. United does not expect the new guidance to have a material impact on its consolidated financial statements.

- Definition

The entire disclosure for change in accounting principle. Includes, but is not limited to, nature, reason, and method of adopting amendment to accounting standards or other change in accounting principle.

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+ Details

Income Taxes - Schedule of Differences Between the Provision for Income Taxes and Statutory Federal Income Tax Rate (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Amount
Pretax income at statutory rates	$ 88,707	$ 67,831	$ 48,834
State taxes, net of federal benefit	7,116	6,337	3,164
Rehabilitation	(116)	(170)	(181)
Renewable energy	(9,161)	(596)	(3,820)
Low income housing	(7,876)	(7,067)	(6,280)
BOLI earnings	(2,027)	(1,896)	(1,685)
Tax-exempt interest revenue	(2,704)	(2,902)	(2,781)
FDIC premium expense	1,739	1,734	1,539
Tax losses from partnership investments	(2,107)	(929)	(1,129)
Share-based payment awards	(628)	(696)	(781)
Other	2,514	1,065	2,109
Proportional amortization	17,286	7,046	6,680
Other, net	1,115	325	(778)
Changes in unrecognized tax benefits	459	527	110
Total income tax expense	$ 94,317	$ 70,609	$ 45,001
Percent
Pretax income at statutory rates	21.00%	21.00%	21.00%
State taxes, net of federal benefit	1.68%	1.96%	1.36%
Rehabilitation	(0.03%)	(0.05%)	(0.08%)
Renewable energy	(2.17%)	(0.18%)	(1.64%)
Low income housing	(1.86%)	(2.19%)	(2.70%)
BOLI earnings	(0.48%)	(0.59%)	(0.72%)
Tax-exempt interest revenue	(0.64%)	(0.90%)	(1.20%)
FDIC premium expense	0.41%	0.54%	0.66%
Tax losses from partnership investments	(0.50%)	(0.29%)	(0.49%)
Share-based payment awards	(0.15%)	(0.21%)	(0.34%)
Other	0.60%	0.33%	0.91%
Proportional amortization	4.09%	2.18%	2.87%
Other, net	0.27%	0.10%	(0.33%)
Changes in unrecognized tax benefits	0.11%	0.16%	0.05%
Total income tax expense	22.33%	21.86%	19.35%

Acquisitions and Divestitures - Narrative (Details) - USD ($)			12 Months Ended
	May 01, 2025	Oct. 01, 2024	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Business Combination [Line Items]
Term of contingent consideration		5 years
Goodwill			$ 925,119,000	$ 907,090,000	$ 919,914,000
Finite-lived intangible assets, net			42,763,000
Merger-related and other charges			10,204,000	8,623,000	27,210,000
FinTrust
Business Combination [Line Items]
FinTrust goodwill write-down			0	5,100,000	0
Disposal Group, Disposed of by Sale, Not Discontinued Operations \| FinTrust
Business Combination [Line Items]
Disposal group, including discontinued operation, consideration		$ 16,200,000
Proceeds from divestiture of businesses		8,590,000
Contingent Consideration Receivable		$ 7,620,000
FinTrust goodwill write-down				5,390,000
Goodwill				9,060,000.00
Core deposit intangible
Business Combination [Line Items]
Finite-lived intangible assets, net			42,763,000	49,553,000
Customer Relationships \| Disposal Group, Disposed of by Sale, Not Discontinued Operations \| FinTrust
Business Combination [Line Items]
Finite-lived intangible assets, net				$ 6,020,000.00
ANB
Business Combination [Line Items]
Goodwill expected to be tax deductible	$ 0
Goodwill	$ 18,029,000
ANB \| Merger-related costs
Business Combination [Line Items]
Merger-related and other charges			$ 12,300,000
ANB \| Core deposit intangible
Business Combination [Line Items]
Expected useful life of acquired intangible (in years)	10 years
First Miami \| Merger-related costs
Business Combination [Line Items]
Merger-related and other charges					11,600,000
Progress \| Merger-related costs
Business Combination [Line Items]
Merger-related and other charges					$ 9,810,000

Cover - USD ($)	12 Months Ended
Cover - USD ($)	Dec. 31, 2025	Jan. 31, 2026	Jun. 30, 2025
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2025
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-35095
Entity Registrant Name	UNITED COMMUNITY BANKS, INC.
Entity Incorporation, State or Country Code	GA
Entity Tax Identification Number	58-1807304
Entity Address, Address Line One	200 East Camperdown Way
Entity Address, City or Town	Greenville
Entity Address, State or Province	SC
Entity Address, Postal Zip Code	29601
City Area Code	800
Local Phone Number	822-2651
Title of 12(b) Security	Common stock, par value $1 per share
Trading Symbol	UCB
Security Exchange Name	NYSE
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 3,601,588,221
Entity Common Stock, Shares Outstanding		119,613,176
Documents Incorporated by Reference	Portions of the registrant’s Proxy Statement for the 2026 Annual Meeting of Shareholders to be held on May 13, 2026 (the “2026 Proxy Statement”) are incorporated herein into Part III by reference.
Entity Central Index Key	0000857855
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	FY
Amendment Flag	false

Goodwill and Other Intangible Assets - Schedule of Carrying Amount of Goodwill and Other Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Goodwill and other intangible assets
Net core deposit intangible	$ 42,763
Goodwill	925,119	$ 907,090	$ 919,914
Total goodwill and other intangible assets, net	967,882	956,643
Core deposit intangible
Goodwill and other intangible assets
Core deposit intangible	106,984	100,694
Less: accumulated amortization	(64,221)	(51,141)
Net core deposit intangible	$ 42,763	$ 49,553

- Definition

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

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+ Details

Condensed Financial Statements of United Community Banks, Inc. (Holding Company Only) - Schedule of Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Other assets	$ 484,801	$ 442,849
Total assets	28,002,554	27,720,258
LIABILITIES AND SHAREHOLDERS’ EQUITY
Long-term debt	120,400	254,152
Total liabilities	24,363,868	24,288,131
Shareholders’ equity	3,638,686	3,432,127	$ 3,261,525	$ 2,700,674
Total liabilities and shareholders’ equity	28,002,554	27,720,258
Holding Company
ASSETS
Cash and cash equivalents	294,896	358,383
Investment in Bank	3,391,455	3,282,263
Investment in other subsidiaries	19,767	20,686
Other assets	114,096	98,357
Total assets	3,820,214	3,759,689
LIABILITIES AND SHAREHOLDERS’ EQUITY
Long-term debt	120,400	254,152
Other liabilities	61,128	73,410
Total liabilities	181,528	327,562
Shareholders’ equity	3,638,686	3,432,127
Total liabilities and shareholders’ equity	$ 3,820,214	$ 3,759,689

Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

Schedule of Premises and Equipment

Premises and equipment are summarized as follows as of the dates indicated:


	December 31,
(in thousands)	2025		2024
Land and land improvements	$	126,882	$	124,969
Buildings and improvements	308,810		300,928
Furniture and equipment	135,537		142,833
Construction in progress	9,016		4,634
	580,245		573,364
Less accumulated depreciation	(186,531)		(179,100)
Premises and equipment, net	$	393,714	$	394,264

Acquisitions and Divestitures - Schedule of Purchased Assets and Assumed Liabilities (Details) - USD ($) $ in Thousands		12 Months Ended
	May 01, 2025	Dec. 31, 2025	Dec. 31, 2023	Dec. 31, 2024
Liabilities
Goodwill		$ 925,119	$ 919,914	$ 907,090
PCD loans:
ACL at acquisition		$ (1,251)	$ (6,421)
ANB
Assets
Cash and cash equivalents	$ 41,246
Debt securities	56,503
Loans held for investment	301,303
BOLI	13,822
Net deferred tax asset	6,565
Core deposit intangible	6,290
Other assets	2,746
Total assets acquired	428,475
Liabilities
Deposits	374,468
Other liabilities	6,298
Total liabilities assumed	380,766
Total identifiable net assets	47,709
Common stock issued	65,738
Goodwill	$ 18,029
Common stock issued (in shares)	2,380,952
Non-PCD loans:
Fair value	$ 262,903
Gross contractual amounts receivable	325,973
Estimate of contractual cash flows not expected to be collected	3,158
ANB \| Purchase loans
PCD loans:
Par value	42,649
ACL at acquisition	(1,251)
Non-credit discount	(2,998)
Purchase price	$ 38,400

Income Taxes - Schedule of Reconciliation of the Beginning and Ending Unrecognized Tax Benefit Related to Uncertain Tax Positions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Reconciliation of the beginning and ending unrecognized tax benefit
Balance at beginning of year	$ 3,535	$ 2,956	$ 2,848
Additions based on tax positions related to the current year	1,272	999	939
Decreases resulting from a lapse in the applicable statute of limitations	(582)	(420)	(831)
Balance at end of year	$ 4,225	$ 3,535	$ 2,956

Derivatives and Hedging Activities - Schedule of Fair Value of Derivative Financial Instruments on Consolidated Balance Sheet (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Derivatives, Fair Value [Line Items]
Notional Amount	$ 6,230,673	$ 5,357,833
Derivative Assets
Total gross derivative instruments	35,313	46,883
Less: Amounts subject to master netting agreements	(7,917)	(1,900)
Less: Cash collateral received/pledged	(8,305)	(33,005)
Net amount	19,091	11,978
Derivative Liabilities
Total gross derivative instruments	52,997	77,834
Less: Amounts subject to master netting agreements	(7,917)	(1,900)
Less: Cash collateral received/pledged	(12,156)	(12,230)
Net amount	32,924	63,704
Derivative Assets
Derivative Assets
Total gross derivative instruments	35,313	46,883
Derivative Liabilities
Derivative Liabilities
Total gross derivative instruments	52,997	77,834
Designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	2,805,009	2,591,507
Designated as hedging instrument \| Cash flow hedge of subordinated debt
Derivatives, Fair Value [Line Items]
Notional Amount	100,000	100,000
Designated as hedging instrument \| Cash flow hedge of trust preferred securities
Derivatives, Fair Value [Line Items]
Notional Amount	20,000	20,000
Designated as hedging instrument \| Fair value hedge of AFS debt securities
Derivatives, Fair Value [Line Items]
Notional Amount	785,009	821,507
Designated as hedging instrument \| Fair value hedge of loans
Derivatives, Fair Value [Line Items]
Notional Amount	1,900,000	1,650,000
Designated as hedging instrument \| Derivative Assets
Derivative Assets
Derivatives designated as hedging instruments	6,288	11,196
Designated as hedging instrument \| Derivative Assets \| Cash flow hedge of subordinated debt
Derivative Assets
Cash flow hedge	6,288	11,196
Designated as hedging instrument \| Derivative Assets \| Cash flow hedge of trust preferred securities
Derivative Assets
Cash flow hedge	0	0
Designated as hedging instrument \| Derivative Assets \| Fair value hedge of AFS debt securities
Derivative Assets
Fair value hedge	0	0
Designated as hedging instrument \| Derivative Assets \| Fair value hedge of loans
Derivative Assets
Fair value hedge	0	0
Designated as hedging instrument \| Derivative Liabilities
Derivative Liabilities
Derivatives designated as hedging instruments	0	0
Designated as hedging instrument \| Derivative Liabilities \| Cash flow hedge of subordinated debt
Derivative Liabilities
Cash flow hedge	0	0
Designated as hedging instrument \| Derivative Liabilities \| Cash flow hedge of trust preferred securities
Derivative Liabilities
Cash flow hedge	0	0
Designated as hedging instrument \| Derivative Liabilities \| Fair value hedge of AFS debt securities
Derivative Liabilities
Fair value hedge	0	0
Designated as hedging instrument \| Derivative Liabilities \| Fair value hedge of loans
Derivative Liabilities
Fair value hedge	0	0
Not designated as hedging instrument
Derivatives, Fair Value [Line Items]
Notional Amount	3,425,664	2,766,326
Not designated as hedging instrument \| Customer derivative positions
Derivatives, Fair Value [Line Items]
Notional Amount	1,541,391	1,225,732
Not designated as hedging instrument \| Dealer offsets to customer derivative positions
Derivatives, Fair Value [Line Items]
Notional Amount	1,541,391	1,225,732
Not designated as hedging instrument \| Risk participations
Derivatives, Fair Value [Line Items]
Notional Amount	103,668	81,147
Not designated as hedging instrument \| Mortgage banking - loan commitment
Derivatives, Fair Value [Line Items]
Notional Amount	41,125	52,444
Not designated as hedging instrument \| Mortgage banking - forward sales commitment
Derivatives, Fair Value [Line Items]
Notional Amount	94,219	77,401
Not designated as hedging instrument \| Bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Notional Amount	51,935	51,935
Not designated as hedging instrument \| Dealer offsets to bifurcated embedded derivatives
Derivatives, Fair Value [Line Items]
Notional Amount	51,935	51,935
Not designated as hedging instrument \| Derivative Assets
Derivative Assets
Derivatives not designated as hedging instruments	29,025	35,687
Not designated as hedging instrument \| Derivative Assets \| Customer derivative positions
Derivative Assets
Derivatives not designated as hedging instruments	11,457	1,740
Not designated as hedging instrument \| Derivative Assets \| Dealer offsets to customer derivative positions
Derivative Assets
Derivatives not designated as hedging instruments	9,478	21,897
Not designated as hedging instrument \| Derivative Assets \| Risk participations
Derivative Assets
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument \| Derivative Assets \| Mortgage banking - loan commitment
Derivative Assets
Derivatives not designated as hedging instruments	1,027	822
Not designated as hedging instrument \| Derivative Assets \| Mortgage banking - forward sales commitment
Derivative Assets
Derivatives not designated as hedging instruments	8	394
Not designated as hedging instrument \| Derivative Assets \| Bifurcated embedded derivatives
Derivative Assets
Derivatives not designated as hedging instruments	7,055	10,834
Not designated as hedging instrument \| Derivative Assets \| Dealer offsets to bifurcated embedded derivatives
Derivative Assets
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument \| Derivative Liabilities
Derivative Liabilities
Derivatives not designated as hedging instruments	52,997	77,834
Not designated as hedging instrument \| Derivative Liabilities \| Customer derivative positions
Derivative Liabilities
Derivatives not designated as hedging instruments	32,841	63,703
Not designated as hedging instrument \| Derivative Liabilities \| Dealer offsets to customer derivative positions
Derivative Liabilities
Derivatives not designated as hedging instruments	11,441	1,811
Not designated as hedging instrument \| Derivative Liabilities \| Risk participations
Derivative Liabilities
Derivatives not designated as hedging instruments	108	12
Not designated as hedging instrument \| Derivative Liabilities \| Mortgage banking - loan commitment
Derivative Liabilities
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument \| Derivative Liabilities \| Mortgage banking - forward sales commitment
Derivative Liabilities
Derivatives not designated as hedging instruments	225	34
Not designated as hedging instrument \| Derivative Liabilities \| Bifurcated embedded derivatives
Derivative Liabilities
Derivatives not designated as hedging instruments	0	0
Not designated as hedging instrument \| Derivative Liabilities \| Dealer offsets to bifurcated embedded derivatives
Derivative Liabilities
Derivatives not designated as hedging instruments	$ 8,382	$ 12,274

Investments - Schedule of HTM Debt Securities in an Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 0	$ 25,507
Unrealized Loss, Less than 12 Months	0	2,127
Fair Value, 12 Months or More	1,902,797	1,915,136
Unrealized Loss, 12 Months or More	318,987	421,865
Fair Value, Total	1,902,797	1,940,643
Unrealized Loss, Total	318,987	423,992
U.S. Treasuries
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	19,039	18,162
Unrealized Loss, 12 Months or More	888	1,734
Fair Value, Total	19,039	18,162
Unrealized Loss, Total	888	1,734
U.S. Government agencies & GSEs
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	87,618	82,863
Unrealized Loss, 12 Months or More	11,233	16,291
Fair Value, Total	87,618	82,863
Unrealized Loss, Total	11,233	16,291
State and political subdivisions
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	18,729
Unrealized Loss, Less than 12 Months	0	305
Fair Value, 12 Months or More	226,464	212,356
Unrealized Loss, 12 Months or More	41,784	54,901
Fair Value, Total	226,464	231,085
Unrealized Loss, Total	41,784	55,206
Residential MBS, Agency & GSE
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	6,778
Unrealized Loss, Less than 12 Months	0	1,822
Fair Value, 12 Months or More	1,016,225	1,051,455
Unrealized Loss, 12 Months or More	164,860	221,849
Fair Value, Total	1,016,225	1,058,233
Unrealized Loss, Total	164,860	223,671
Commercial MBS, Agency & GSE
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	540,282	537,981
Unrealized Loss, 12 Months or More	98,391	124,409
Fair Value, Total	540,282	537,981
Unrealized Loss, Total	98,391	124,409
Supranational entities
Summary of HTM debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	13,169	12,319
Unrealized Loss, 12 Months or More	1,831	2,681
Fair Value, Total	13,169	12,319
Unrealized Loss, Total	$ 1,831	$ 2,681

Loans and Leases and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Schedule of Major Classifications of Loan and Lease Portfolio

Major classifications of the loan and lease portfolio (collectively referred to as the “loan portfolio” or “loans”) are summarized as of the dates indicated as follows. At December 31, 2025, manufactured housing loans are classified as consumer, since this category is no longer a significant component of loans.


	December 31,
(in thousands)	2025		2024
Owner occupied CRE	$	3,949,898	$	3,398,217
Income producing CRE	5,032,342		4,360,920
Commercial & industrial	2,696,291		2,428,376
Commercial construction	997,802		1,655,710
Equipment financing	1,847,999		1,662,501
Total commercial	14,524,332		13,505,724
Residential mortgage	3,157,017		3,231,479
Home equity	1,319,474		1,064,874
Residential construction	190,625		178,405
Manufactured housing	—		1,723
Consumer	187,536		186,448
Total loans excluding fair value hedge basis adjustment (1)	19,378,984		18,168,653
Fair value hedge basis adjustment	5,333		7,327
Total loans	19,384,317		18,175,980
Less ACL - loans	(210,429)		(206,998)
Loans, net	$	19,173,888	$	17,968,982

(1) As of December 31, 2025 and 2024, certain loans are included in fair value hedging relationships using the portfolio layer method. See Note 8 for further detail.

Schedule of Loans Held for Investment

The following table presents the amortized cost of certain loans held for investment that were sold in the periods presented. The gains and/or losses on these loan sales were included in noninterest income on the consolidated statements of income.


	Loans Sold
(in thousands)	2025		2024		2023
Manufactured housing loans	$	—	$	302,870	$	—
Guaranteed portion of SBA/USDA loans	74,242		49,593		94,758
Equipment financing receivables	99,842		79,171		105,293
Total	$	174,084	$	431,634	$	200,051

Schedule of Components of Net Investment in Leases

The equipment financing portfolio includes sales-type and direct financing lease receivables. The following table presents the components of the net investment in these lease receivables as of the dates indicated.


	December 31,
(in thousands)	2025		2024
Minimum future lease payments receivable	$	117,209	$	97,793
Estimated residual value of leased equipment	7,659		5,749
Initial direct costs	2,410		1,856
Security deposits	(496)		(491)

Unearned income	(18,411)		(15,412)
Net investment in leases	$	108,371	$	89,495

Schedule of Minimum Future Lease Payments Expected to be Received from Equipment Financing Lease Contracts

Minimum future lease payments expected to be received from equipment financing lease contracts as of December 31, 2025 were as follows:


(in thousands)
Year
2026	$	40,997
2027	34,064
2028	23,954
2029	13,608
2030	4,292
Thereafter	294
Total	$	117,209

Schedule of Loans by Aging Category and Accrual Status

The following table presents the amortized cost basis in loans by aging category and accrual status as of December 31, 2025 and 2024.


	Accruing
			Loans Past Due
(in thousands)	Current Loans		30 - 59 Days		60 - 89 Days		> 90 Days		Nonaccrual Loans		Total Loans
As of December 31, 2025
Owner occupied CRE	$	3,932,261	$	4,917	$	1,555	$	—	$	11,165	$	3,949,898
Income producing CRE	5,019,437		916		501		—		11,488		5,032,342
Commercial & industrial	2,664,068		6,365		7,564		—		18,294		2,696,291
Commercial construction and land	997,772		12		—		—		18		997,802
Equipment financing	1,826,790		6,637		4,189		—		10,383		1,847,999
Total commercial	14,440,328		18,847		13,809		—		51,348		14,524,332
Residential mortgage	3,118,540		5,286		768		—		32,423		3,157,017
Home equity	1,310,017		3,055		1,155		—		5,247		1,319,474
Residential construction and land	189,506		40		—		—		1,079		190,625
Manufactured housing	—		—		—		—		—		—
Consumer	185,814		569		152		—		1,001		187,536
Total	$	19,244,205	$	27,797	$	15,884	$	—	$	91,098	$	19,378,984

As of December 31, 2024
Owner occupied CRE	$	3,381,622	$	4,402	$	519	$	—	$	11,674	$	3,398,217
Income producing CRE	4,333,651		1,705		207		—		25,357		4,360,920
Commercial & industrial	2,395,889		2,665		483		—		29,339		2,428,376
Commercial construction and land	1,646,175		1,693		442		—		7,400		1,655,710
Equipment financing	1,644,721		5,939		2,916		—		8,925		1,662,501
Total commercial	13,402,058		16,404		4,567		—		82,695		13,505,724
Residential mortgage	3,199,956		4,808		2,100		—		24,615		3,231,479
Home equity	1,059,010		986		248		—		4,630		1,064,874
Residential construction and land	177,371		133		844		—		57		178,405
Manufactured housing	155		124		—		—		1,444		1,723
Consumer	185,545		636		129		—		138		186,448
Total	$	18,024,095	$	23,091	$	7,888	$	—	$	113,579	$	18,168,653

Schedule of Nonaccrual Loans by Loan Class

The following table presents nonaccrual loans by loan class for the periods indicated.


	Nonaccrual loans
	December 31, 2025						December 31, 2024
(in thousands)	With no allowance		With an allowance		Total		With no allowance		With an allowance		Total
Owner occupied CRE	$	7,627	$	3,538	$	11,165	$	9,926	$	1,748	$	11,674
Income producing CRE	8,335		3,153		11,488		24,970		387		25,357
Commercial & industrial	7,965		10,329		18,294		21,570		7,769		29,339
Commercial construction and land	—		18		18		6,817		583		7,400
Equipment financing	71		10,312		10,383		33		8,892		8,925
Total commercial	23,998		27,350		51,348		63,316		19,379		82,695
Residential mortgage	4,861		27,562		32,423		6,540		18,075		24,615
Home equity	218		5,029		5,247		231		4,399		4,630
Residential construction and land	701		378		1,079		—		57		57
Manufactured housing	—		—		—		—		1,444		1,444
Consumer	—		1,001		1,001		36		102		138
Total	$	29,778	$	61,320	$	91,098	$	70,123	$	43,456	$	113,579

Schedule of Risk Category of Term Loans by Vintage Year

The following tables present the risk category of term loans by vintage year, which is the year of origination or most recent renewal, as of the date indicated.


(in thousands)	Term Loans by Origination Year												Revolvers		Revolvers converted to term loans		Total
As of December 31, 2025	2025		2024		2023		2022		2021		Prior
Owner occupied CRE
Pass	$	882,017	$	459,608	$	468,682	$	587,671	$	505,329	$	733,146	$	122,462	$	22,745	$	3,781,660
Special Mention	1,721		1,341		14,369		24,247		18,972		7,656		4,176		228		72,710
Substandard	3,157		8,412		20,122		31,791		6,709		22,454		2,883		—		95,528

Total owner occupied CRE	$	886,895	$	469,361	$	503,173	$	643,709	$	531,010	$	763,256	$	129,521	$	22,973	$	3,949,898
Current period gross charge-offs	$	—	$	185	$	1,905	$	2,162	$	—	$	942	$	—	$	—	$	5,194
Income producing CRE
Pass	$	916,381	$	430,561	$	541,924	$	1,107,955	$	812,859	$	863,815	$	62,677	$	12,714	$	4,748,886
Special Mention	13,726		14,176		2,144		123,531		7,769		6,341		—		109		167,796
Substandard	9,652		26,439		22,478		1,199		16,954		36,816		2,122		—		115,660

Total income producing CRE	$	939,759	$	471,176	$	566,546	$	1,232,685	$	837,582	$	906,972	$	64,799	$	12,823	$	5,032,342
Current period gross charge-offs	$	—	$	—	$	—	$	1,970	$	—	$	—	$	—	$	—	$	1,970
Commercial & industrial
Pass	$	668,959	$	357,553	$	279,488	$	178,064	$	149,382	$	225,469	$	675,062	$	9,342	$	2,543,319
Special Mention	3,364		18,886		21,622		18,235		1,353		3,387		8,537		448		75,832
Substandard	7,719		2,849		36,127		6,330		4,289		7,506		11,104		1,216		77,140

Total commercial & industrial	$	680,042	$	379,288	$	337,237	$	202,629	$	155,024	$	236,362	$	694,703	$	11,006	$	2,696,291
Current period gross charge-offs	$	46	$	1,197	$	10,327	$	1,506	$	218	$	408	$	—	$	2,240	$	15,942
Commercial construction & land
Pass	$	562,952	$	236,154	$	63,716	$	20,804	$	9,230	$	11,002	$	54,745	$	1,039	$	959,642
Special Mention	4,352		743		—		28,159		1,550		—		—		—		34,804
Substandard	225		388		381		255		18		2,089		—		—		3,356

Total commercial construction & land	$	567,529	$	237,285	$	64,097	$	49,218	$	10,798	$	13,091	$	54,745	$	1,039	$	997,802
Current period gross charge-offs	$	—	$	2,020	$	—	$	—	$	130	$	—	$	—	$	—	$	2,150
Equipment financing
Pass	$	792,800	$	487,499	$	300,427	$	186,094	$	49,410	$	16,468	$	—	$	—	$	1,832,698
Special Mention	—		2,061		—		994		227		—		—		—		3,282
Substandard	1,081		3,090		3,035		3,731		730		352		—		—		12,019

Total equipment financing	$	793,881	$	492,650	$	303,462	$	190,819	$	50,367	$	16,820	$	—	$	—	$	1,847,999
Current period gross charge-offs	$	504	$	3,831	$	7,681	$	10,018	$	2,255	$	668	$	—	$	—	$	24,957
Residential mortgage
Pass	$	199,825	$	116,567	$	308,491	$	921,713	$	910,553	$	661,298	$	—	$	2,612	$	3,121,059
Substandard	310		2,619		7,470		11,604		3,274		10,604		—		77		35,958
Total residential mortgage	$	200,135	$	119,186	$	315,961	$	933,317	$	913,827	$	671,902	$	—	$	2,689	$	3,157,017
Current period gross charge-offs	$	—	$	4	$	560	$	76	$	—	$	—	$	—	$	6	$	646
Home equity
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	1,277,604	$	36,074	$	1,313,678
Substandard	—		—		—		—		—		—		—		5,796		5,796
Total home equity	$	—	$	—	$	—	$	—	$	—	$	—	$	1,277,604	$	41,870	$	1,319,474
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	170	$	170
Residential construction & land
Pass	$	110,016	$	50,363	$	9,612	$	9,156	$	3,637	$	6,676	$	—	$	86	$	189,546
Substandard	—		80		879		15		64		41		—		—		1,079
Total residential construction & land	$	110,016	$	50,443	$	10,491	$	9,171	$	3,701	$	6,717	$	—	$	86	$	190,625
Current period gross charge-offs	$	—	$	—	$	118	$	124	$	—	$	47	$	—	$	—	$	289





Consumer
Pass	$	85,779	$	41,201	$	22,689	$	12,571	$	2,911	$	705	$	20,522	$	122	$	186,500
Substandard	7		161		483		164		45		176		—		—		1,036
Total consumer	$	85,786	$	41,362	$	23,172	$	12,735	$	2,956	$	881	$	20,522	$	122	$	187,536
Current period gross charge-offs	$	3,331	$	533	$	232	$	94	$	88	$	37	$	—	$	154	$	4,469


(in thousands)	Term Loans by Origination Year												Revolvers		Revolvers converted to term loans		Total
As of December 31, 2024	2024		2023		2022		2021		2020		Prior
Owner occupied CRE
Pass	$	455,248	$	540,913	$	621,020	$	555,846	$	507,121	$	425,932	$	120,574	$	21,867	$	3,248,521
Special Mention	1,093		13,414		13,653		14,735		6,520		6,496		4,995		393		61,299
Substandard	3,285		5,365		37,791		9,647		8,519		22,319		1,471		—		88,397

Total owner occupied CRE	$	459,626	$	559,692	$	672,464	$	580,228	$	522,160	$	454,747	$	127,040	$	22,260	$	3,398,217
Current period gross charge-offs	$	—	$	—	$	221	$	—	$	—	$	707	$	—	$	—	$	928
Income producing CRE
Pass	$	468,247	$	477,887	$	977,090	$	896,096	$	614,584	$	606,395	$	50,955	$	15,025	$	4,106,279
Special Mention	16,852		2,145		21,007		2,724		3,538		10,465		50		—		56,781
Substandard	59,437		36,259		16,758		3,411		39,085		42,910		—		—		197,860

Total income producing CRE	$	544,536	$	516,291	$	1,014,855	$	902,231	$	657,207	$	659,770	$	51,005	$	15,025	$	4,360,920
Current period gross charge-offs	$	—	$	3,128	$	—	$	—	$	—	$	1,691	$	—	$	—	$	4,819
Commercial & industrial
Pass	$	464,843	$	440,557	$	270,459	$	198,320	$	125,964	$	180,262	$	583,147	$	8,480	$	2,272,032
Special Mention	8,630		12,438		18,832		2,794		1,238		3,794		24,286		1,806		73,818
Substandard	2,428		22,877		9,773		12,133		3,986		7,081		16,078		8,170		82,526

Total commercial & industrial	$	475,901	$	475,872	$	299,064	$	213,247	$	131,188	$	191,137	$	623,511	$	18,456	$	2,428,376
Current period gross charge-offs	$	842	$	2,908	$	6,826	$	1,994	$	2,282	$	1,236	$	—	$	3,270	$	19,358
Commercial construction & land
Pass	$	448,497	$	348,179	$	495,712	$	153,303	$	40,254	$	40,004	$	46,863	$	1,196	$	1,574,008
Special Mention	5,005		462		44,152		5,253		—		100		6,040		—		61,012
Substandard	1,900		3,956		1,491		6,549		6,621		173		—		—		20,690

Total commercial construction & land	$	455,402	$	352,597	$	541,355	$	165,105	$	46,875	$	40,277	$	52,903	$	1,196	$	1,655,710
Current period gross charge-offs	$	—	$	69	$	53	$	—	$	—	$	23	$	—	$	—	$	145
Equipment financing
Pass	$	693,205	$	454,501	$	328,490	$	122,920	$	33,870	$	15,788	$	—	$	—	$	1,648,774
Special Mention	—		—		659		1,989		708		496		—		—		3,852
Substandard	653		2,784		3,453		1,828		527		630		—		—		9,875
Total equipment financing	$	693,858	$	457,285	$	332,602	$	126,737	$	35,105	$	16,914	$	—	$	—	$	1,662,501
Current period gross charge-offs	$	261	$	5,489	$	13,359	$	6,418	$	1,033	$	309	$	—	$	—	$	26,869
Residential mortgage
Pass	$	121,145	$	321,804	$	1,015,693	$	989,673	$	402,894	$	347,249	$	—	$	2,971	$	3,201,429
Substandard	2,291		3,841		8,922		2,410		1,748		10,618		—		220		30,050
Total residential mortgage	$	123,436	$	325,645	$	1,024,615	$	992,083	$	404,642	$	357,867	$	—	$	3,191	$	3,231,479
Current period gross charge-offs	$	87	$	124	$	71	$	3	$	—	$	10	$	—	$	—	$	295
Home equity
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	1,028,340	$	31,291	$	1,059,631
Substandard	—		—		—		—		—		—		—		5,243		5,243
Total home equity	$	—	$	—	$	—	$	—	$	—	$	—	$	1,028,340	$	36,534	$	1,064,874
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	95	$	95
Residential construction & land
Pass	$	74,854	$	55,164	$	30,216	$	8,539	$	4,528	$	4,872	$	—	$	90	$	178,263
Substandard	—		—		49		—		3		90		—		—		142
Total residential construction & land	$	74,854	$	55,164	$	30,265	$	8,539	$	4,531	$	4,962	$	—	$	90	$	178,405
Current period gross charge-offs	$	—	$	221	$	73	$	48	$	—	$	—	$	—	$	—	$	342
Manufactured housing
Pass	$	124	$	—	$	—	$	—	$	—	$	150	$	—	$	—	$	274
Substandard	285		506		178		112		169		199		—		—		1,449
Total manufactured housing	$	409	$	506	$	178	$	112	$	169	$	349	$	—	$	—	$	1,723
Current period gross charge-offs	$	—	$	1,679	$	3,570	$	2,518	$	2,518	$	4,304	$	—	$	—	$	14,589
Consumer
Pass	$	84,100	$	43,889	$	20,332	$	7,103	$	7,625	$	563	$	22,508	$	100	$	186,220
Substandard	1		118		42		36		30		1		—		—		228
Total consumer	$	84,101	$	44,007	$	20,374	$	7,139	$	7,655	$	564	$	22,508	$	100	$	186,448
Current period gross charge-offs	$	3,082	$	281	$	162	$	34	$	11	$	8	$	—	$	152	$	3,730

Schedule of Aging Category and Accrual Status of Loans Modified

The period-end amortized cost and additional information regarding loans modified under the terms of a FDM during the periods indicated are presented in the following table.


	Year Ended December 31, 2025						Year Ended December 31, 2024
	New FDMs				Defaults within 12 months of modification		New FDMs				Defaults within 12 months of modification
(dollars in thousands)	Amortized Cost		% of Total Class of Receivable				Amortized Cost		% of Total Class of Receivable
Owner occupied CRE	$	—	—	%	$	—	$	3,702	0.1	%	$	2,110
Income producing CRE	—		—		—		33,525		0.8		—
Commercial & industrial	456		—		107		22,682		0.9		323

Equipment financing	13,611		0.7		551		7,796		0.5		53

Residential mortgage	7,018		0.2		242		4,103		0.1		626
Home equity	847		0.1		—		—		—		—

Manufactured housing	—		—		—		302		17.5		—
Consumer	95		0.1		—		—		—		—
Total loans	$	22,027	0.1		$	900	$	72,110	0.4		$	3,112

The following tables present the amortized cost of FDMs modified during the period by type of FDM and applicable weighted-average impact of the modification for the periods indicated.

Year Ended December 31, 2025

(dollars in thousands)

Amortized Cost

Weighted Average Modification

Extension

Commercial & industrial

2.0 years

Residential mortgage

242

6 months

Total

316

Payment Delay

Commercial & industrial

220

4 months

Residential mortgage

2,691

10 months

Home equity

498

6 months

Total

3,409

Rate Reduction

Residential mortgage

160

400 basis points

Home equity

151

453 basis points

Total

311

Payment Delay and Extension

Commercial & industrial

162

Payment delay: 6 months; Extension: 2.0 years

Equipment financing

13,611

Extension & payment delay: 7 months

Residential mortgage

296

Extension & payment delay: 1.0 year

Total

14,069

Rate Reduction and Extension

Residential mortgage

1,740

Rate reduction: 406 basis points; Extension: 6.7 years

Consumer

Rate reduction: 163 basis points; Extension: 7.9 years

Total

1,835

Rate Reduction and Payment Delay

Residential mortgage

796

Rate reduction: 98 basis points; Payment delay: 5 months

Home equity

198

Rate reduction: 555 basis points; Payment delay: 6 months

Total

994

Rate Reduction, Payment Delay & Extension

Residential mortgage

1,093

Rate reduction: 314 basis points; Payment delay: 5 months; Extension: 9.5 years

Total

22,027

Year Ended December 31, 2024

(dollars in thousands)

Amortized Cost

Weighted Average Modification

Extension

Owner occupied CRE

198

6 months

Commercial & industrial

18,790

1.3 years

Residential mortgage

509

12.6 years

Total

19,497

Payment Delay

Owner occupied CRE (1)

1,924

5 months

Income producing CRE (2)

25,204

1.2 years

Commercial & industrial (1)

605

6 months

Residential mortgage

133

6 months

Total

27,866

Payment Delay and Extension

Commercial & industrial

298

Payment delay: 4 months; Extension: 3.0 years

Equipment financing

7,796

Extension & payment delay: 8 months

Total

8,094

Rate Reduction and Extension

Income producing CRE

8,321

Rate reduction: 304 basis points; Extension: 4.8 years

Commercial & industrial

326

Rate reduction: 350 basis points; Extension: 7.8 years

Residential mortgage

3,461

Rate reduction: 394 basis points; Extension: 5.4 years

Manufactured housing

302

Rate reduction: 539 basis points; Extension: 3.6 years

Total

12,410

Rate Reduction and Payment Delay

Owner occupied CRE

1,426

Rate reduction: 75 basis points; Payment delay: 6 months

Commercial & industrial

220

Rate reduction: 232 basis points; Payment delay: 9 months

Total

1,646

Rate Reduction, Payment Delay & Extension

Owner occupied CRE

154

Rate reduction: 75 basis points; Payment delay: 6 months; Extension: 3.0 years

Commercial & industrial

2,443

Rate reduction: 273 basis points; Payment delay: 6 months; Extension: 4.6 years

Total

2,597

Total

72,110

(1) Payment delay FDMs in bankruptcy are excluded from the weighted average payment delay calculation. (2) Generally, payment delays in this category reflect principal payment delays, while interest payments continue in accordance with loan terms.

The period-end amortized cost and additional information regarding loans modified under the terms of a FDM during 2023 are presented in the following table.




	Amortized Cost by Type of Modification
	Extension		Payment Delay		Rate Reduction & Extension		Payment Delay & Extension		Total		% of Total Class of Receivable		FDMs defaulted within 12 months of modification
(dollars in thousands)
Owner occupied CRE	$	3,561	$	276	$	—	$	—	$	3,837	0.1	%	$	—
Income producing CRE	48,752		—		35,172		—		83,924		2.0		—
Commercial & industrial	32,869		12,428		—		1,663		46,960		1.9		637
Commercial construction and land	67		366		—		—		433		—		—
Equipment financing	16,245		—		—		1,898		18,143		1.2		928
Total commercial	101,494		13,070		35,172		3,561		153,297		1.1		1,565
Residential mortgage	21		—		1,071		—		1,092		—		—

Residential construction and land	—		—		46		—		46		—		—
Manufactured housing	—		—		254		—		254		0.1		106

Total	$	101,515	$	13,070	$	36,543	$	3,561	$	154,689	0.8		$	1,671

The following table presents the aging category and accrual status of loans modified under the terms of a FDM during the previous 12 months on an amortized cost basis as of the dates indicated.


	Accruing
			Loans Past Due
(in thousands)	Current		30 - 59 Days		60 - 89 Days		> 90 Days		Nonaccrual		Total
As of December 31, 2025


Commercial & industrial	$	456	$	—	$	—	$	—	$	—	$	456

Equipment financing	10,850		884		798		—		1,079		13,611

Residential mortgage	1,012		—		—		—		6,006		7,018
Home equity	152		—		—		—		695		847


Consumer	—		—		—		—		95		95
Total	$	12,470	$	884	$	798	$	—	$	7,875	$	22,027

As of December 31, 2024
Owner occupied CRE	$	688	$	245	$	418	$	—	$	2,351	$	3,702
Income producing CRE	25,204		—		—		—		8,321		33,525
Commercial & industrial	20,123		—		—		—		2,559		22,682

Equipment financing	6,673		162		—		—		961		7,796

Residential mortgage	1,735		22		—		—		2,346		4,103


Manufactured housing	—		124		—		—		178		302

Total	$	54,423	$	553	$	418	$	—	$	16,716	$	72,110

Schedule of Balance and Activity in the ACL by Portfolio Segment

The following table presents the balance and activity in the ACL by portfolio segment for the periods indicated:


(in thousands)
Year Ended December 31, 2025	Beginning Balance		Initial ACL- PCD loans(1)		Charge-Offs		Recoveries		Provision		Ending Balance
Owner occupied CRE	$	19,873	$	278	$	(5,194)	$	491	$	9,440	$	24,888
Income producing CRE	41,427		910		(1,970)		541		3,163		44,071
Commercial & industrial	35,441		23		(15,942)		6,043		17,704		43,269
Commercial construction and land	16,370		39		(2,150)		224		(6,197)		8,286
Equipment financing	47,415		—		(24,957)		4,373		19,021		45,852
Residential mortgage	32,259		—		(646)		467		(2,839)		29,241
Home equity	11,247		1		(170)		379		392		11,849
Residential construction and land	1,672		—		(289)		51		365		1,799
Manufactured housing (2)	450		—		—		—		(450)		—
Consumer	844		—		(4,469)		1,292		3,507		1,174
ACL - loans	206,998		1,251		(55,787)		13,861		44,106		210,429
ACL - unfunded commitments	10,391		—		—		—		4,700		15,091
Total ACL	$	217,389	$	1,251	$	(55,787)	$	13,861	$	48,806	$	225,520

(1) Represents the initial ACL related to PCD loans acquired in the ANB transaction. (2) The release of ACL presented for manufactured housing loans for the year ended December 31, 2025 represents a reclassification of the allowance to the consumer line where these loan balances are reflected as of December 31, 2025.


Year Ended December 31, 2024	Beginning Balance		Charge-Offs		Recoveries		Provision		Ending Balance
Owner occupied CRE	$	23,542	$	(928)	$	930	$	(3,671)	$	19,873
Income producing CRE	47,755		(4,819)		1,238		(2,747)		41,427
Commercial & industrial	30,890		(19,358)		5,519		18,390		35,441
Commercial construction and land	21,741		(145)		136		(5,362)		16,370
Equipment financing	33,383		(26,869)		3,926		36,975		47,415
Residential mortgage	28,219		(295)		241		4,094		32,259
Home equity	9,647		(95)		172		1,523		11,247
Residential construction and land	1,833		(342)		78		103		1,672
Manufactured Housing	10,339		(14,589)		201		4,499		450
Consumer	722		(3,730)		1,039		2,813		844
ACL - loans	208,071		(71,170)		13,480		56,617		206,998
ACL - unfunded commitments	16,057		—		—		(5,666)		10,391
Total ACL	$	224,128	$	(71,170)	$	13,480	$	50,951	$	217,389



Year Ended December 31, 2023	Beginning Balance		Initial ACL- PCD loans(1)		Charge-Offs		Recoveries		Provision		Ending Balance
Owner occupied CRE	$	19,834	$	273	$	(1,074)	$	571	$	3,938	$	23,542
Income producing CRE	32,082		3,399		(7,858)		1,919		18,213		47,755
Commercial & industrial	23,504		1,891		(25,538)		4,479		26,554		30,890
Commercial construction and land	20,120		39		(60)		217		1,425		21,741
Equipment financing	23,395		—		(24,206)		4,044		30,150		33,383
Residential mortgage	20,809		157		(89)		335		7,007		28,219
Home equity	8,707		534		(167)		3,045		(2,472)		9,647
Residential construction and land	2,049		124		(1,111)		175		596		1,833
Manufactured Housing	8,098		—		(3,914)		55		6,100		10,339
Consumer	759		4		(3,982)		916		3,025		722
ACL - loans	159,357		6,421		(67,999)		15,756		94,536		208,071
ACL - unfunded commitments	21,163		—		—		—		(5,106)		16,057
Total ACL	$	180,520	$	6,421	$	(67,999)	$	15,756	$	89,430	$	224,128

(1) Represents the initial ACL related to PCD loans acquired in the Progress and First Miami transactions.

Earnings Per Share - Narrative (Details) - shares	12 Months Ended
Earnings Per Share - Narrative (Details) - shares	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Earnings Per Share [Abstract]
Potentially dilutive instruments outstanding not included in EPS analysis (in shares)	0	984	1,968

Fair Value Measurements - Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Assets:
Debt securities available-for-sale	$ 3,750,863	$ 4,436,291
Mortgage loans held for sale	39,381	57,534
Derivative financial instruments	35,313	46,883
Liabilities:
Derivative financial instruments	52,997	77,834
Fair Value, Recurring
Assets:
Equity securities with readily determinable fair values	2,481	2,341
Mortgage loans held for sale	39,381	57,534
Mutual funds and other investments	16,483	15,335
Contingent consideration receivable	7,195	7,470
Derivative financial instruments	35,313	46,883
Total assets	3,897,827	4,609,845
Liabilities:
Deferred compensation plan liability	16,485	15,331
Derivative financial instruments	52,997	77,834
Total liabilities	69,482	93,165
U.S. Treasuries
Assets:
Debt securities available-for-sale	493,755	503,669
U.S. Treasuries \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	493,755	503,669
U.S. Government agencies & GSEs
Assets:
Debt securities available-for-sale	298,350	320,267
U.S. Government agencies & GSEs \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	298,350	320,267
State and political subdivisions
Assets:
Debt securities available-for-sale	154,883	158,232
State and political subdivisions \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	154,883	158,232
Residential MBS \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	1,690,332	2,229,959
Commercial MBS \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	692,087	822,897
Corporate bonds
Assets:
Debt securities available-for-sale	136,668	152,620
Corporate bonds \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	136,668	152,620
Asset-backed securities
Assets:
Debt securities available-for-sale	284,788	248,647
Asset-backed securities \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	284,788	248,647
Guaranteed portion of SBA/USDA loans \| Fair Value, Recurring
Assets:
Servicing assets	4,880	4,697
Residential Mortgage [Member]
Assets:
Servicing assets	41,231	39,294	$ 35,897	$ 36,559
Residential Mortgage [Member] \| Fair Value, Recurring
Assets:
Servicing assets	41,231	39,294
Level 1 \| Fair Value, Recurring
Assets:
Equity securities with readily determinable fair values	0	0
Mortgage loans held for sale	0	0
Mutual funds and other investments	16,343	15,335
Contingent consideration receivable	0	0
Derivative financial instruments	0	0
Total assets	510,098	519,004
Liabilities:
Deferred compensation plan liability	16,345	15,331
Derivative financial instruments	0	0
Total liabilities	16,345	15,331
Level 1 \| U.S. Treasuries \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	493,755	503,669
Level 1 \| U.S. Government agencies & GSEs \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 1 \| State and political subdivisions \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 1 \| Residential MBS \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 1 \| Commercial MBS \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 1 \| Corporate bonds \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 1 \| Asset-backed securities \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 1 \| Guaranteed portion of SBA/USDA loans \| Fair Value, Recurring
Assets:
Servicing assets	0	0
Level 1 \| Residential Mortgage [Member] \| Fair Value, Recurring
Assets:
Servicing assets	0	0
Level 2 \| Fair Value, Recurring
Assets:
Equity securities with readily determinable fair values	2,481	2,341
Mortgage loans held for sale	39,381	57,534
Mutual funds and other investments	140	0
Contingent consideration receivable	0	0
Derivative financial instruments	27,231	35,227
Total assets	3,325,849	4,025,498
Liabilities:
Deferred compensation plan liability	140	0
Derivative financial instruments	44,507	65,548
Total liabilities	44,647	65,548
Level 2 \| U.S. Treasuries \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 2 \| U.S. Government agencies & GSEs \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	298,350	320,267
Level 2 \| State and political subdivisions \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	154,883	158,232
Level 2 \| Residential MBS \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	1,690,332	2,229,959
Level 2 \| Commercial MBS \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	692,087	822,897
Level 2 \| Corporate bonds \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	136,176	150,394
Level 2 \| Asset-backed securities \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	284,788	248,647
Level 2 \| Guaranteed portion of SBA/USDA loans \| Fair Value, Recurring
Assets:
Servicing assets	0	0
Level 2 \| Residential Mortgage [Member] \| Fair Value, Recurring
Assets:
Servicing assets	0	0
Level 3 \| Fair Value, Recurring
Assets:
Equity securities with readily determinable fair values	0	0
Mortgage loans held for sale	0	0
Mutual funds and other investments	0	0
Contingent consideration receivable	7,195	7,470
Derivative financial instruments	8,082	11,656
Total assets	61,880	65,343
Liabilities:
Deferred compensation plan liability	0	0
Derivative financial instruments	8,490	12,286
Total liabilities	8,490	12,286
Level 3 \| U.S. Treasuries \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 3 \| U.S. Government agencies & GSEs \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 3 \| State and political subdivisions \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 3 \| Residential MBS \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 3 \| Commercial MBS \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 3 \| Corporate bonds \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	492	2,226
Level 3 \| Asset-backed securities \| Fair Value, Recurring
Assets:
Debt securities available-for-sale	0	0
Level 3 \| Guaranteed portion of SBA/USDA loans \| Fair Value, Recurring
Assets:
Servicing assets	4,880	4,697
Level 3 \| Residential Mortgage [Member] \| Fair Value, Recurring
Assets:
Servicing assets	$ 41,231	$ 39,294

Benefit Plans - Schedule of Weighted-average Assumptions Used to Determine Pension Benefit Obligations (Details) - Modified Retirement Plan	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Defined Benefit Plan Disclosure [Line Items]
Discount rate for disclosures	5.35%	5.60%
Discount rate for net periodic benefit cost	5.60%	4.95%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Investments - Schedule of Amortized Cost and Fair Value of AFS And HTM Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	$ 252,416
AFS, Amortized Cost, 1 to 5 years	494,305
AFS, Amortized Cost, 5 to 10 years	240,620
AFS, Amortized Cost, More than 10 years	124,802
AFS, Amortized Cost, Not due at single maturity	2,774,441
Amortized Cost	3,886,584	$ 4,664,300
AFS, Fair Value
AFS, Fair Value, Within 1 year	252,033
AFS, Fair Value, 1 to 5 years	479,286
AFS, Fair Value, 5 to 10 years	231,182
AFS, Fair Value, More than 10 years	121,155
AFS, Fair Value, Not due at single maturity	2,667,207
Fair Value	3,750,863	4,436,291
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	500
HTM, Amortized Cost, 1 to 5 years	73,489
HTM, Amortized Cost, 5 to 10 years	164,307
HTM, Amortized Cost, More than 10 years	178,289
HTM, Amortized Cost, Not due at single maturity	1,820,771
Amortized Cost	2,237,356	2,368,107
HTM, Fair Value
HTM, Fair Value, Within 1 year	501
HTM, Fair Value, 1 to 5 years	70,296
HTM, Fair Value, 5 to 10 years	143,190
HTM, Fair Value, More than 10 years	146,904
HTM, Fair Value, Not due at single maturity	1,557,535
Fair Value	1,918,426	1,944,126
U.S. Treasuries
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	209,572
AFS, Amortized Cost, 1 to 5 years	286,830
Amortized Cost	496,402	511,994
AFS, Fair Value
AFS, Fair Value, Within 1 year	209,748
AFS, Fair Value, 1 to 5 years	284,007
Fair Value	493,755	503,669
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	19,927
Amortized Cost	19,927	19,896
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	19,039
Fair Value	19,039	18,162
U.S. Government agencies & GSEs
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	11,823
AFS, Amortized Cost, 1 to 5 years	61,410
AFS, Amortized Cost, 5 to 10 years	163,060
AFS, Amortized Cost, More than 10 years	71,803
Amortized Cost	308,096	334,147
AFS, Fair Value
AFS, Fair Value, Within 1 year	11,617
AFS, Fair Value, 1 to 5 years	56,775
AFS, Fair Value, 5 to 10 years	159,945
AFS, Fair Value, More than 10 years	70,013
Fair Value	298,350	320,267
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	18,279
HTM, Amortized Cost, 5 to 10 years	68,072
HTM, Amortized Cost, More than 10 years	12,500
Amortized Cost	98,851	99,154
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	17,607
HTM, Fair Value, 5 to 10 years	58,729
HTM, Fair Value, More than 10 years	11,282
Fair Value	87,618	82,863
State and political subdivisions
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	4,091
AFS, Amortized Cost, 1 to 5 years	43,350
AFS, Amortized Cost, 5 to 10 years	64,678
AFS, Amortized Cost, More than 10 years	52,999
Amortized Cost	165,118	175,041
AFS, Fair Value
AFS, Fair Value, Within 1 year	4,061
AFS, Fair Value, 1 to 5 years	40,266
AFS, Fair Value, 5 to 10 years	59,414
AFS, Fair Value, More than 10 years	51,142
Fair Value	154,883	158,232
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	500
HTM, Amortized Cost, 1 to 5 years	35,283
HTM, Amortized Cost, 5 to 10 years	81,235
HTM, Amortized Cost, More than 10 years	165,789
Amortized Cost	282,807	289,492
HTM, Fair Value
HTM, Fair Value, Within 1 year	501
HTM, Fair Value, 1 to 5 years	33,650
HTM, Fair Value, 5 to 10 years	71,292
HTM, Fair Value, More than 10 years	135,622
Fair Value	241,065	234,296
Corporate bonds
AFS, Amortized Cost
AFS, Amortized Cost, Within 1 year	26,930
AFS, Amortized Cost, 1 to 5 years	102,715
AFS, Amortized Cost, 5 to 10 years	12,882
Amortized Cost	142,527	164,069
AFS, Fair Value
AFS, Fair Value, Within 1 year	26,607
AFS, Fair Value, 1 to 5 years	98,238
AFS, Fair Value, 5 to 10 years	11,823
Fair Value	136,668	152,620
HTM, Amortized Cost
HTM, Amortized Cost, Within 1 year	0
HTM, Amortized Cost, 1 to 5 years	0
HTM, Amortized Cost, 5 to 10 years	0
HTM, Fair Value
HTM, Fair Value, Within 1 year	0
HTM, Fair Value, 1 to 5 years	0
HTM, Fair Value, 5 to 10 years	0
Supranational entities
AFS, Amortized Cost
AFS, Amortized Cost, 5 to 10 years	0
AFS, Fair Value
AFS, Fair Value, 5 to 10 years	0
HTM, Amortized Cost
HTM, Amortized Cost, 5 to 10 years	15,000
Amortized Cost	15,000	15,000
HTM, Fair Value
HTM, Fair Value, 5 to 10 years	13,169
Fair Value	13,169	12,319
Asset-backed securities
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	285,435
Amortized Cost	285,435	248,673
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	284,788
Fair Value	284,788	$ 248,647
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	0
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	0
Residential MBS
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	1,776,831
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	1,690,332
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	1,182,098
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	1,017,253
Commercial MBS
AFS, Amortized Cost
AFS, Amortized Cost, Not due at single maturity	712,175
AFS, Fair Value
AFS, Fair Value, Not due at single maturity	692,087
HTM, Amortized Cost
HTM, Amortized Cost, Not due at single maturity	638,673
HTM, Fair Value
HTM, Fair Value, Not due at single maturity	$ 540,282

Reclassifications Out of AOCI (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities gains (losses), net	$ 352	$ (3,316)	$ (53,333)
Income tax expense	(94,317)	(70,609)	(45,001)
Investment securities interest revenue	1,382,939	1,377,741	1,237,107
Long-term debt interest expense	(8,414)	(14,723)	(14,812)
Salaries and employee benefits expense	(354,451)	(340,043)	(318,464)
Other expense	(27,951)	(35,145)	(30,100)
Total before tax	422,412	323,006	232,545
Net of tax	328,095	252,397	187,544
Reclassifications Out of AOCI
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net of tax	(3,198)	(5,013)	(44,177)
Reclassifications Out of AOCI \| Realized gains (losses) on AFS securities:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Securities gains (losses), net	352	(3,316)	(53,333)
Income tax expense	(85)	837	13,575
Net of tax	267	(2,479)	(39,758)
Reclassifications Out of AOCI \| Amortization of unrealized losses on HTM securities transferred from AFS:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax expense	893	2,188	2,452
Investment securities interest revenue	(7,715)	(8,737)	(10,203)
Net of tax	(6,822)	(6,549)	(7,751)
Reclassifications Out of AOCI \| Gains on derivative instruments accounted for as cash flow hedges:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax expense	(1,117)	(1,408)	(1,205)
Long-term debt interest expense	4,422	5,557	4,719
Net of tax	3,305	4,149	3,514
Reclassifications Out of AOCI \| Amortization of defined benefit pension plan net periodic pension cost components:
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax expense	(17)	45	62
Total before tax	69	(179)	(244)
Net of tax	52	(134)	(182)
Reclassifications Out of AOCI \| Prior service cost
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits expense	(100)	(179)	(244)
Reclassifications Out of AOCI \| Actuarial gains
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Other expense	$ 169	$ 0	$ 0

Supplemental Cash Flow Information

12 Months Ended

Dec. 31, 2025

Supplemental Cash Flow Elements [Abstract]

Supplemental Cash Flow Information

The supplemental schedule of cash and noncash activities for the periods indicated is as follows.


(in thousands)	2025		2024		2023
Cash paid during the period for:
Interest	$	476,076	$	551,355	$	408,532
Income taxes, net:
Federal	$	43,029	$	14,219	$	50,685
State and local (1)	6,827		4,315		7,271
Total	$	49,856	$	18,534	$	57,956

Significant non-cash investing and financing transactions:







ROU assets recognized in exchange for lease liabilities (2)	3,628		15,622		7,662
Contingent consideration receivable for FinTrust sale	—		7,623		—
Acquisitions:
Assets acquired, including goodwill	446,504		—		2,922,243
Liabilities assumed	380,766		—		2,527,654
Net assets acquired	65,738		—		394,589
Value of common stock issued	65,738		—		384,123
Options converted	—		—		10,017

(1) No state jurisdiction exceeded 5% of total income taxes paid (net of refunds). (2) Excludes ROU assets from acquisitions, which are included in assets acquired.

In addition, during 2025, United entered into new unfunded commitments related to tax credit investments accounted for under PAM of $30.6 million, which reflect a non-cash investing transaction. For 2024 and 2023, these amounts were not material.

Loans and Leases and Allowance for Credit Losses - Schedule of Loans Held for Investment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 174,084	$ 431,634	$ 200,051
Manufactured housing loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	0	302,870	0
Guaranteed portion of SBA/USDA loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	74,242	49,593	94,758
Equipment financing receivables
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 99,842	$ 79,171	$ 105,293

Premises and Equipment

12 Months Ended

Dec. 31, 2025

Property, Plant and Equipment [Abstract]

Premises and Equipment

Premises and equipment are summarized as follows as of the dates indicated:


	December 31,
(in thousands)	2025		2024
Land and land improvements	$	126,882	$	124,969
Buildings and improvements	308,810		300,928
Furniture and equipment	135,537		142,833
Construction in progress	9,016		4,634
	580,245		573,364
Less accumulated depreciation	(186,531)		(179,100)
Premises and equipment, net	$	393,714	$	394,264

Depreciation expense was $26.2 million, $24.7 million and $19.0 million for 2025, 2024 and 2023, respectively.

Summary of Significant Accounting Policies	12 Months Ended
Summary of Significant Accounting Policies	Dec. 31, 2025
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies See the Glossary of Defined Terms at the beginning of this Report for terms used herein. The accounting principles followed by United and the methods of applying these principles conform with GAAP and with general practices within the banking industry. The following is a description of the significant policies. Organization and Basis of Presentation The Holding Company is a bank holding company under the BHC Act and a financial holding company under the GLB Act. Financial holding company status allows for engagement in a broader range of financial activities. The Holding Company’s principal business is conducted by its wholly-owned commercial bank subsidiary, United Community Bank. United is subject to regulation under the BHC Act. In 2024, United moved its Holding Company headquarters from Blairsville, Georgia to Greenville, South Carolina. The Bank is headquartered in Greenville, South Carolina and is a South Carolina state-chartered bank subject to examination and reporting requirements of the SCBFI. The Bank serves both rural and metropolitan markets in Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama and provides a full range of banking services. In 2024, the Bank changed its primary federal regulator from the FDIC to the Federal Reserve. The Bank continues to be insured by the FDIC. The consolidated financial statements include the accounts of the Holding Company, the Bank and other wholly-owned subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation. Use of Estimates In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the balance sheet and revenue and expenses for the years then ended. Actual results could differ significantly from those estimates. Material estimates include the determination of the ACL and the valuation of acquired loans. Operating Segments Operating segments are components of a business about which separate financial information is available and evaluated regularly by the CODM in deciding how to allocate resources and assessing performance. Public companies are required to report certain financial information about operating segments in interim and annual financial statements. Management has determined that United has one reportable banking segment that encompasses its core banking activities. United’s banking operations are divided among geographic regions and local community banks within those regions. Those regions and banks have similar economic characteristics and products. The segment provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including branches, other offices, the internet, and mobile applications. The financial performance of the banking segment is reviewed by United’s CODM, its Chief Executive Officer. The CODM uses net income as reported on the consolidated statements of income to assess segment performance and determine how to allocate resources. Total assets as presented on the consolidated balance sheets is used to measure segment assets. The CODM reviews significant expense categories that materially align with those presented in the consolidated statements of income. United’s CODM uses net income to evaluate income generated from total assets, or return on assets. Net income is also used to monitor budget versus actual results, to assess internal financial forecasts and to benchmark performance to competitors. Cash and Cash Equivalents Cash equivalents include amounts due from banks, interest-bearing deposits in banks, federal funds sold, commercial paper, reverse repurchase agreements and short-term investments, and are carried at cost. Federal funds are generally sold for one-day periods, interest-bearing deposits in banks are available on demand and commercial paper investments and reverse repurchase agreements mature within a period of less than 90 days. Investments Debt Securities: Debt securities are classified as HTM and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as AFS when they may be sold before maturity. AFS securities are carried at fair value, with unrealized holding gains and losses reported in OCI, net of tax. Interest income includes amortization of purchase premiums or discounts. Premiums and discounts on securities are generally amortized or accreted on the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Premiums on callable debt securities are amortized to their earliest call date. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Transfers of securities between categories are recorded at fair value at the date of transfer. Unrealized holding gains or losses associated with transfers of securities from AFS to HTM are included in the balance of AOCI in the consolidated balance sheets. These unrealized holding gains or losses are amortized/accreted into income over the remaining life of the security as an adjustment to the yield in a manner consistent with the amortization or accretion of the original purchase premium or discount on the associated security. A debt security is placed on nonaccrual status at the time any principal or interest payments become 90 days delinquent. Interest accrued but not received for a security placed on nonaccrual is reversed against interest income. The CECL framework requires an estimate of expected credit losses for the remaining estimated life of the financial asset using historical experience, current conditions, and reasonable and supportable forecasts. The following discussion provides a description of the methodology applied to calculate the ACL under CECL. ACL - HTM Debt Securities: Management measures current expected credit losses on HTM debt securities on a collective basis by major security type, many of which qualify for a zero loss assumption. For those securities which do not qualify for a zero loss assumption, the estimate of current expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Management classifies the HTM portfolio into the following major security types: U.S. Treasuries, U.S. Government agencies and GSEs, state and political subdivisions, residential mortgage-backed, agency and GSEs, commercial mortgage-backed, agency and GSEs and supranational entities. Accrued interest receivable on HTM debt securities is excluded from the estimate of credit losses. All of the residential and commercial mortgage-backed securities held by United as HTM are issued by U.S. Government agencies and GSEs. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The state and political subdivision securities are highly rated by major rating agencies. ACL - AFS Debt Securities: For AFS debt securities in an unrealized loss position, United first assesses whether it intends to sell, or whether it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For AFS debt securities that do not meet the aforementioned criteria, United evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any amount of unrealized loss that has not been recorded through an ACL is recognized in OCI. Accrued interest receivable on AFS debt securities is excluded from the estimate of credit losses. Changes in the ACL are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the ACL when management believes the uncollectibility of an AFS security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Equity investments: Equity investments are included in other assets on the consolidated balance sheets. Those with readily determinable fair values are carried at fair value with changes in fair value recognized in other noninterest income. Those without readily determinable fair values include, among others, Federal Reserve stock, which is held as a requirement for member banks, and FHLB stock, which is held to meet FHLB requirements related to outstanding advances. These investments are accounted for using the cost method of accounting. As conditions warrant, management reviews investments for impairment and adjusts the carrying value of the investment if it is deemed to be impaired. Loans Held for Sale United has elected the fair value option for mortgage loans held for sale in order to reduce certain timing differences and match changes in fair values of the loans with changes in the fair value of derivative instruments used to economically hedge them. Loans and Leases Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at amortized cost. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts and deferred fees and costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the life of the loan. Equipment Financing Lease Receivables: Equipment financing lease receivables, which are classified as sales-type or direct financing leases, are recorded as the sum of the future minimum lease payments, initial deferred costs and, if applicable, estimated or contractual residual values less unearned income and security deposits. For lease receivables with a residual value, the determination of such value is derived from a variety of sources including equipment valuation services, appraisals, and publicly available market data on recent sales transactions on similar equipment. The length of time until contract termination, the cyclical nature of equipment values and the limited marketplace for re-sale of certain leased assets are important variables considered in making this determination. Interest income, which is included in loan interest revenue in the consolidated statements of income, is recognized as earned using the effective interest method. Direct fees and costs associated with the origination of leases are deferred and included as a component of equipment financing receivables. Net deferred fees or costs are recognized as an adjustment to interest income over the contractual life of the lease using the effective interest method. These lease agreements may include options to renew and for the lessee to purchase the leased equipment at the end of the lease term. United excludes sales tax from consideration in these lease contracts. PCD Loans: In acquisitions, United may acquire loans, some of which have experienced more than insignificant credit deterioration since origination. In those cases, United will consider internal loan grades, delinquency status and other relevant factors in assessing whether purchased loans are PCD. PCD loans are recorded at their fair value at the acquisition date. An initial ACL is determined using the same methodology as other loans held for investment and recognized as an adjustment to the acquisition price of the asset; thus, the sum of the loan's purchase price and ACL becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent to initial recognition, PCD loans are subject to the same interest income recognition and impairment model as non-PCD loans, with changes to the ACL recorded through provision expense. Nonaccrual Loans: The accrual of interest is generally discontinued when a loan becomes 90 days past due or when management believes, after considering economic and business conditions and collection efforts, that the principal or interest will not be collectable in the normal course of business. A loan may continue to accrue interest after 90 days if it is well collateralized and in the process of collection. Past due status is based on contractual terms of the loan. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for using the cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest payments are reflected as a reduction of the carrying amount of the loan and interest income is not recognized until the loan balance is reduced to zero. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, there is a sustained period of repayment performance and future payments are reasonably assured. FDMs: A loan for which the terms have been modified as a result of the borrower experiencing financial difficulty is generally considered to be an FDM. Modified terms that result in a FDM include one or a combination of the following: a reduction of the stated interest rate of the loan, an extension of the amortization period, a more than insignificant payment delay or principal forgiveness. The ACL on FDMs is calculated using the same method as other loans held for investment. Concentration of Credit Risk: Most of United’s business activity is with customers located within the markets where it has banking operations. Therefore, United’s exposure to credit risk is significantly affected by changes in the economy within its markets. Approximately 76% of United’s loan portfolio is secured by real estate and is therefore susceptible to changes in real estate valuations. ACL - Loans The CECL framework requires an estimate of expected credit losses for the remaining estimated life of the financial asset using historical experience, current conditions, and reasonable and supportable forecasts. The following discussion provides a description of the methodology applied to calculate the ACL under the CECL model. The ACL is a valuation account that is deducted from the loans' amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the ACL when management believes the uncollectibility of a loan balance is confirmed. Accrued interest receivable is excluded from the estimate of credit losses. Accrued interest receivable is reversed against interest income in accordance with our nonaccrual loan policy when management believes it is uncollectible. See caption Nonaccrual Loans above for more detail. Management determines the ACL balance using relevant available information from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical credit behaviors along with model judgments provide the basis for the estimation of expected credit losses. Qualitative adjustments to modeled loss estimates may be made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level, or term as well as for changes in environmental conditions, such as changes in economic conditions, property values, or other relevant factors. For the majority of loans and leases, the ACL is calculated using a discounted cash flow methodology applied at a loan level with a one-year reasonable and supportable forecast period and a two-year straight-line reversion period. When the discounted cash flow method is used to determine the ACL, management adjusts the effective interest rate used to discount expected cash flows to incorporate expected prepayments. The ACL - loans is measured on a collective basis when similar risk characteristics exist. United has identified the following portfolio segments and calculates the ACL for each using a discounted cash flow methodology at the loan level, with loss rates, prepayment assumptions and curtailment assumptions driven by each loan’s purpose and collateral type: Owner occupied CRE - Loans in this category are susceptible to business failure and general economic conditions. Income producing CRE - Common risks for this loan category are declines in general economic conditions, declines in real estate value which may be caused by rapidly increasing interest rates or other factors, declines in occupancy rates, market-driven declines in rent rates and lack of suitable alternative use for the property. Commercial & industrial - Risks to this loan category include the inability to monitor the condition of the collateral, which often consists of inventory, accounts receivable and other non-real estate assets. Equipment and inventory obsolescence can also pose a risk. Declines in general economic conditions and other events can cause cash flows to fall to levels insufficient to service debt. Commercial construction & land - Risks common to this category of loans are cost overruns, changes in market demand for property, inadequate long-term financing arrangements and declines in real estate values which may be caused by rapidly increasing interest rates or other factors. Equipment financing - Risks associated with equipment financing are similar to those described for commercial and industrial loans, including general economic conditions, as well as appropriate lien priority on equipment, equipment obsolescence and the general mobility of the collateral. Residential mortgage - Residential mortgage loans are susceptible to weakening general economic conditions, increases in unemployment rates and declining real estate values which may be caused by rapidly increasing interest rates or other factors affecting demand for residential real estate. Home equity - Risks common to home equity loans and lines of credit are general economic conditions, including an increase in unemployment rates, and declining real estate values that reduce or eliminate the borrower’s home equity. Residential construction & land- Residential construction & land loans are susceptible to the same risks as residential mortgage loans. Changes in market demand for property lead to longer marketing times resulting in higher carrying costs and declining values. Manufactured housing - Risks associated with manufactured housing are similar to those described for residential mortgage loans, including general economic conditions and unemployment rates, as well as appropriate lien priority and the general mobility of the collateral as the majority of loans in this category are secured by chattel. During 2024, United sold substantially all of this portfolio. For the 2025 reporting period, these loans are included in the consumer category, since manufactured housing loans are no longer a significant component of loans. Consumer - Risks common to consumer direct loans include unemployment and changes in local economic conditions as well as the inability to monitor collateral consisting of personal property. When management determines that foreclosure is probable or when the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. Determining the Contractual Term: Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by United. ACL - Off-Balance Sheet Credit Exposures Management estimates expected credit losses on commitments to extend credit over the contractual period during which United is exposed to credit risk on the underlying commitments. The ACL on off-balance sheet credit exposures is adjusted as a provision for credit loss expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The ACL is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to fund. Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily using the straight line method over the estimated useful lives of the related assets. Costs incurred for maintenance and repairs are expensed as incurred. The range of estimated useful lives for buildings and improvements is 10 to 40 years, for land improvements, 10 years, and for furniture and equipment, 3 to 10 years. United periodically reviews the carrying value of premises and equipment for impairment whenever events or circumstances indicate that the carrying amount of such assets may not be fully recoverable. Foreclosed Properties (OREO) and Repossessed Assets Foreclosed property and repossessed assets are initially recorded at fair value, less cost to sell. If the fair value, less cost to sell at the time of foreclosure or repossession is less than the loan balance, the deficiency is recorded as a loan charge-off against the ACL. If the fair value, less cost to sell, of the foreclosed/repossessed property decreases during the holding period, a valuation allowance is established with a charge to operating expenses. When the foreclosed/repossessed property is sold, a gain or loss is recognized on the sale for the difference between the sales proceeds and the carrying amount of the property. Goodwill and Other Intangible Assets Goodwill is an intangible asset representing the future economic benefits from acquired businesses that are not represented by tangible assets that are individually identified and separately recognized. Goodwill is measured as the excess of the consideration transferred, net of the fair value of identifiable assets acquired and liabilities assumed at the acquisition date. Goodwill is not amortized, but instead is tested for impairment annually or more frequently if events or circumstances exist that indicate a goodwill impairment test should be performed. Other intangible assets, which are initially recorded at fair value, consist of core deposit intangibles resulting from acquisitions. Core deposit intangible assets are amortized over their estimated useful lives using the sum-of-the-years-digits method. Management evaluates other intangible assets for impairment whenever events or changes in circumstances indicate the carrying amount of the asset may not be recoverable. Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from United, the transferee obtains the right, free of conditions that constrain it from taking advantage of that right, to pledge or exchange the transferred assets and United does not maintain effective control over the transferred assets through an agreement to repurchase them before maturity. Servicing Rights United records servicing assets for SBA loans, USDA loans, and residential mortgage loans when the loan is sold but servicing is retained. This asset represents the right to service the loans and receive a fee in compensation. Servicing assets are initially recorded at their fair value as a component of the sale proceeds. The fair value of the servicing assets is based on an analysis of discounted cash flows that incorporates estimates of (1) market servicing costs, (2) market-based prepayment rates, and (3) market profit margins. Servicing assets are included in other assets. United has elected to subsequently measure the servicing assets for government guaranteed loans and residential mortgage loans at fair value. The rate of prepayment of loans serviced is the most significant estimate involved in the measurement process. Estimates of prepayment rates are based on market expectations of future prepayment rates, industry trends, and other considerations. Actual prepayment rates will differ from those projected by management due to changes in a variety of economic factors, including prevailing interest rates and the availability of alternative financing sources to borrowers. If actual prepayments of the loans being serviced were to occur more quickly than projected, the carrying value of servicing assets might have to be written down through a charge to earnings in the current period. If actual prepayments of the loans being serviced were to occur more slowly than had been projected, the carrying value of servicing assets could increase, and servicing income would exceed previously projected amounts. United accounts for the servicing liabilities associated with sold equipment financing loans using the amortization method. Servicing liabilities are included in accrued expenses and other liabilities. BOLI United has purchased life insurance policies on certain key executives and members of management. United has also received life insurance policies on members of acquired bank management teams and board members through acquisitions of other banks. BOLI is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other changes or other amounts due that are probable at settlement. Operating Leases United records a ROU asset, included in other assets, and a related lease liability, included in other liabilities, for eligible operating leases for which it is the lessee, which include leases for land, buildings, and equipment. At lease commencement, United records the ROU asset and related lease liability based on the present value of lease payments over the lease term. Absent a readily determinable interest rate in the lease agreement, United utilizes the Bank’s incremental borrowing rate for secured borrowings as the discount rate used in the present value calculation. Payments related to these leases consist primarily of base rent and, in the case of building leases, additional operating costs associated with the leased property such as common area maintenance and utilities. In most cases, these operating costs vary over the term of the lease, and therefore are classified as variable lease costs, which are recognized as incurred in the consolidated statements of income. In addition, certain operating leases include costs such as property taxes and insurance, which are recognized as incurred in the consolidated statements of income. Many of United’s operating leases contain renewal options, which are included in the measurement of the ROU asset and lease liability to the extent they are reasonably certain to be exercised. United does not recognize a lease liability or ROU asset on the consolidated balance sheet related to short-term leases with a term of less than one year. Lease payments for short-term leases are recognized as expense over the lease term. Operating lease costs, variable lease costs and short-term lease costs are included in occupancy expense and communications and equipment expense in the consolidated statements of income. United also subleases and leases certain real estate properties to third parties under operating leases. Income related to these leases is recognized when earned and included in other noninterest income in the consolidated statements of income. Loan Commitments and Related Financial Instruments Financial instruments include off-balance sheet credit instruments such as commitments to make loans and commercial letters of credit issued to meet customer financing needs. The face amount for these items represents the exposure to loss before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded. VIEs United holds investments in certain legal entities that are considered VIEs. VIEs are legal entities in which equity investors do not have sufficient equity at risk for the entity to independently finance its activities, or as a group, the holders of the equity investment at risk lack the power through voting or similar rights to direct the activities of the entity that most significantly impact its economic performance, or do not have the obligation to absorb the expected losses of the entity or the right to receive expected residual returns of the entity. Consolidation of a VIE is required if a reporting entity is the primary beneficiary of the VIE. Investments in VIEs are evaluated to determine if United is the primary beneficiary. This evaluation gives appropriate consideration to the design of the entity and the variability that the entity was designed to create and pass along, the relative power of each party, and to United’s obligation to absorb losses or receive residual returns of the entity. United has variable interests in certain entities that are not required to be consolidated, including LIHTC, renewable energy and other partnership interests. Refer to Note 22, Commitments and Contingencies, for additional disclosures regarding United’s VIEs. With the exception of LIHTC and qualifying renewable energy partnerships, investments in entities for which United has the ability to exercise significant influence, but not control, over operating and financing decisions are accounted for using the equity method of accounting. Equity method investments are included in other assets in the consolidated balance sheets at cost, adjusted to reflect United’s portion of income, loss, or dividends of the investee. United records its portion of income or loss in other noninterest income in the consolidated statements of income. These investments are periodically evaluated for impairment. LIHTC and qualifying renewable energy investments are accounted for using the proportional amortization method, which results in the amortization being reported as a component of income tax expense. These investments are included in other assets. Obligations related to unfunded commitments for proportional amortization method investments are reported in other liabilities. Investment tax credits related to non-qualifying renewable energy partnerships are accounted for using the deferral method, such that the investment tax credits are recognized as a reduction to the related investment. Revenue from Contracts with Customers In addition to lending and related activities, United offers various services to customers that generate revenue, certain of which are governed by ASC Topic 606 Revenue from Contracts with Customers. United’s services that fall within the scope of this topic are presented within noninterest income and include service charges and fees, wealth management fees, and other transaction-based fees. Revenue is recognized when the transactions occur or as services are performed over primarily monthly or quarterly periods. Payment is typically received in the period the transactions occur. Fees may be fixed or, where applicable, based on a percentage of transaction size. Income Taxes DTAs and DTLs are recorded for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Future tax benefits are recognized to the extent that realization of such benefits is more likely than not. DTAs and DTLs are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect of a change in tax rates on DTAs and DTLs is recognized in income tax expense during the period that includes the enactment date. In the event the future tax consequences of differences between the financial reporting bases and the tax bases of assets and liabilities results in DTAs, an evaluation of the probability of being able to realize the future benefits indicated by such asset is required. A valuation allowance is provided for the portion of the DTA when it is more likely than not that some or all of the DTA will not be realized. In assessing the realizability of the DTAs, management considers the scheduled reversals of DTLs, projected future taxable earnings and prudent and feasible tax planning strategies. Management weighs both the positive and negative evidence, giving more weight to evidence that can be objectively verified. The income tax benefit or expense is the total of the current year income tax due or refundable and the change in DTAs and DTLs. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50 percent likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. United recognizes interest and penalties related to income tax matters in income tax expense. Derivative Instruments and Hedging Activities United’s interest rate risk management strategy incorporates the use of derivative instruments to minimize fluctuations in net income that are caused by interest rate volatility. The objective is to manage interest rate sensitivity by modifying the repricing or maturity characteristics of certain balance sheet assets and liabilities so that net interest revenue and certain interest sensitive components of noninterest revenue are not, on a material basis, adversely affected by movements in interest rates. United views this strategy as a prudent management of interest rate risk, such that net income is not exposed to undue risk presented by changes in interest rates. In conducting this part of its interest rate risk management strategy, management uses derivatives, primarily interest rate swaps and caps. Interest rate swaps generally involve the exchange of fixed- and variable-rate interest payments between two parties, based on a common notional principal amount and maturity date. By using derivative instruments, United is exposed to credit and market risk. If the counterparty fails to perform, credit risk is represented by the fair value gain in a derivative. When the fair value of a derivative contract is positive, this situation generally indicates that the counterparty is obligated to pay United, and, therefore, creates a repayment risk for United. When the fair value of a derivative contract is negative, United is obligated to pay the counterparty and, therefore, has no repayment risk. United minimizes the credit risk in non-customer derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by management. United also requires non-customer counterparties to pledge cash as collateral to cover the net exposure. All new non-customer derivatives that can be cleared are cleared through a central clearinghouse, which reduces counterparty exposure. United classifies its derivative financial instruments as either (1) a hedge of an exposure to changes in the fair value of a recorded asset or liability (“fair value hedge”), (2) a hedge of an exposure to changes in the cash flows of a recognized asset, liability or forecasted transaction (“cash flow hedge”), or (3) derivatives not designated as accounting hedges. Changes in the fair value of derivatives not designated as hedges are recognized in current period earnings. United has master netting agreements with the derivatives dealers with which it does business, but, in accordance with its election not to offset, reflects gross assets and liabilities at fair value on the consolidated balance sheets. Fair Value Hedges of Interest Rate Risk: United is exposed to changes in the fair value of certain of its fixed-rate financial instruments due to changes in interest rates. At December 31, 2025 and 2024, United utilized interest rate swaps to manage its exposure to changes in fair value on certain of its fixed rate loans and AFS securities attributable to changes in interest rates. United considers these derivatives to be highly effective at achieving offsetting changes in fair value attributable to changes in interest rates. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in earnings. United includes the gain or loss on the hedged items in the same income statement line item as the offsetting loss or gain on the related derivatives. Cash Flow Hedges of Interest Rate Risk: United enters into cash flow hedges to mitigate exposure to the variability of future cash flows or other forecasted transactions. At December 31, 2025 and 2024, United utilized interest rate caps and swaps to hedge the variability of cash flows due to changes in interest rates on certain of its variable-rate subordinated debt and trust preferred securities. United considers these derivatives to be highly effective at achieving offsetting changes in cash flows attributable to changes in interest rates. Therefore, changes in the fair value of these derivative instruments are recognized in OCI. Gains and losses related to changes in fair value are reclassified into earnings in the periods the hedged forecasted transactions occur. Losses representing amortization of the premium recorded on cash flow hedges, which is a component excluded from the assessment of effectiveness, are recognized in earnings on a straight-line basis in the same financial statement line as the hedged item over the term of the hedge. Derivatives Not Designated as Hedging Instruments: Customer derivative positions include swaps, caps, and collars between United and certain commercial loan customers with offsetting positions to dealers under a back-to-back program. United originates certain residential mortgage loans with the intention of selling these loans. Between the time United enters into an interest-rate lock commitment to originate a residential mortgage loan that is to be held for sale and the time the loan is funded and eventually sold, the Company is subject to the risk of variability in market prices. United also enters into forward sale agreements to mitigate risk and to protect the expected gain on the eventual loan sale. The commitments to originate residential mortgage loans and forward loan sales commitments are freestanding derivative instruments which are entered into as part of an economic hedging strategy to manage exposure related to mortgage loans held for sale. Fair value adjustments on these derivative instruments are recorded within mortgage loan gains and related fees in the consolidated statements of income. United also has interest rate swap contracts that are economic hedges of market-linked brokered certificates of deposit, but are not designated as hedging instruments. The market-linked brokered certificates of deposit contain embedded derivatives that are bifurcated from the host instruments and marked to market through earnings. The fair value marks on the market-linked swaps and the bifurcated embedded derivatives tend to move in opposite directions and therefore provide an economic hedge. In addition, United occasionally enters into credit risk participation agreements with counterparty banks to accept or transfer a portion of the credit risk related to interest rate swaps. These agreements, which are typically executed in conjunction with a participation in a loan with the same customer, allow customers to execute an interest rate swap with one bank while allowing for the distribution of the credit risk among participating members. These agreements provide for reimbursement of losses resulting from a third party default on the underlying swap. Collateral used to support the credit risk for the underlying lending relationship is also available to offset the risk of the credit risk participation. Hedge Effectiveness: United assesses hedge effectiveness at inception and over the life of the hedge. Management documents, at inception, its analysis of actual and expected hedge effectiveness. This analysis includes techniques such as regression analysis and hypothetical derivatives to demonstrate that the hedge is expected to be highly effective in offsetting corresponding changes in the fair value or cash flows of the hedged item. At least quarterly thereafter, the terms of the hedging instrument and the hedged item are assessed to determine whether a material change has occurred relating to the hedge relationship. If it is determined that a change has occurred, a quantitative analysis as described will occur to determine whether the hedge is expected to be highly effective in offsetting future corresponding changes in the fair value or cash flows of the hedged item. For a qualifying fair value hedge, the changes in the value of derivatives are recognized in current period earnings along with the corresponding changes in the fair value of the designated hedged item attributable to the risk being hedged. For a qualifying cash flow hedge, the changes in the fair value of the derivatives that have been highly effective are recognized in OCI until the related cash flows from the hedged item are recognized in earnings. For fair value hedges and cash flow hedges, ineffectiveness is recognized in the same income statement line as interest accruals on the hedged item to the extent that changes in the value of the derivative instruments do not perfectly offset changes in the value of the hedged items. If the hedge ceases to be highly effective, United discontinues hedge accounting and recognizes the changes in fair value in current period earnings. If a derivative that qualifies as a fair value or cash flow hedge is terminated or the designation removed, the realized or then unrealized gain or loss is recognized into income over the life of the hedged item (fair value hedge) or over the time when the hedged item was forecasted to impact earnings (cash flow hedge). Immediate recognition in earnings is required upon sale or extinguishment of the hedged item (fair value hedge) or if it is probable that the hedged cash flows will not occur (cash flow hedge). Acquisition Activities United accounts for business combinations under the acquisition method of accounting. Assets acquired and liabilities assumed are measured and recorded at fair value at the date of acquisition, including identifiable intangible assets. If the fair value of net assets purchased exceeds the fair value of consideration paid, a bargain purchase gain is recognized at the date of acquisition. Conversely, if the consideration paid exceeds the fair value of the net assets acquired, goodwill is recognized at the acquisition date. Fair values are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available. Fair values for acquired loans are generally based on a discounted cash flow methodology that considers credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans are grouped together according to similar characteristics and are generally treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions are the key factors driving credit losses which are embedded into the estimated cash flows. These assumptions are informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate is determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The discount rate does not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. For additional information about the accounting for purchased loans see PCD Loans under the Loans and Leases section of this footnote. All identifiable intangible assets that are acquired in a business combination are recognized at fair value on the acquisition date. Identifiable intangible assets are recognized separately if they arise from contractual or other legal rights or if they are separable (i.e., capable of being sold, transferred, licensed, rented, or exchanged separately from the entity). Deposit liabilities and the related depositor relationship intangible assets may be exchanged in observable exchange transactions. As a result, the depositor relationship intangible asset is considered identifiable, because the separability criterion has been met. Earnings Per Common Share Basic earnings per common share is net income available to common shareholders divided by the weighted average number of shares of common stock outstanding during the period. Shares issuable to participants in United’s deferred compensation plan are included as outstanding shares for purposes of calculating earnings per share. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation. Accordingly, net income available to common shareholders is calculated pursuant to the two-class method, whereby net income after adjusting for preferred stock dividends and any discount or premium on preferred shares repurchased or redeemed is allocated between common shareholders and participating securities. Diluted earnings per common share includes the dilutive effect of additional potential shares of common stock issuable under stock options and unvested restricted stock units without nonforfeitable rights to dividends. Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there are such matters that will have a material effect on the financial statements. Dividend Restrictions Banking regulations require maintaining certain capital levels and may limit dividends paid by the Bank to the Holding Company or by the Holding Company to shareholders. As a South Carolina state-chartered bank, the Bank is permitted to pay a dividend of up to 100% of its current year earnings without requesting approval of the SCBFI, provided certain conditions are met. As a Federal Reserve member bank, the Bank is permitted to pay a dividend to the Holding Company of up to the sum of current year and the previous two years undistributed income without requesting approval of the Federal Reserve, which is less restrictive than the requirements of the SCBFI. Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions as more fully disclosed in Note 14. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates. Stock-Based Compensation United uses the fair value method of recognizing expense for stock-based compensation based on the fair value of option and restricted stock unit awards at the date of grant. United accounts for forfeitures as they occur.

Fair Value Measurements

12 Months Ended

Dec. 31, 2025

Fair Value Disclosures [Abstract]

Fair Value Measurements

Fair value measurements are determined based on the assumptions that market participants would use in pricing the asset or liability. As a basis for considering market participant assumptions in fair value measurements, United uses a fair value hierarchy that distinguishes between market participant assumptions based on market data obtained from sources independent of the reporting entity (observable inputs that are classified within Levels 1 and 2 of the hierarchy) and the reporting entity’s own assumptions about market participant assumptions (unobservable inputs classified within Level 3 of the hierarchy). United has processes in place to review the significant valuation inputs and to reassess how the instruments are classified in the valuation framework.

Fair Value Hierarchy

Level 1 Valuation is based upon quoted prices (unadjusted) in active markets for identical assets or liabilities that United has the ability to access.

Level 2 Valuation is based upon quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates, and yield curves that are observable at commonly quoted intervals.

Level 3 Valuation is generated from model-based techniques that use at least one significant assumption based on unobservable inputs for the asset or liability, which are typically based on an entity’s own assumptions, as there is little, if any, related market activity.

In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. United’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability.

The following is a description of the valuation methodologies used for assets and liabilities recorded at fair value.

Investment Securities

AFS debt securities and equity securities with readily determinable fair values are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the NYSE, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds, corporate debt securities and asset-backed securities and are valued based on observable inputs that include: quoted market prices for similar assets, quoted market prices that are not in an active market or other inputs that are observable in the market and can be corroborated by observable market data for substantially the full term of the securities. Securities classified as Level 3 include those traded in less liquid markets and are valued based on estimates obtained from broker-dealers that are not directly observable.

Mutual Funds and Deferred Compensation Plan Liabilities

Included in other assets in the consolidated balance sheets are mutual funds and other investments used to hedge the valuation risk of unfunded employee deferred compensation plans. The mutual funds and other investments are purchased to match deferred compensation plan participants’ investment elections and are valued at the daily closing price as reported by the fund. The mutual funds are open-end funds that publish their daily net asset value (“NAV”) and transact at that price and are thus classified as Level 1. Other investments in this category are classified as Level 2.

Deferred compensation liabilities, also classified as Level 1 or Level 2 depending on the related investment, are carried at the fair value of the obligation to the employee and are included in other liabilities in the consolidated balance sheet.

Mortgage Loans Held for Sale

United has elected the fair value option for newly originated mortgage loans held for sale in order to reduce certain timing differences and better match changes in fair values of the loans with changes in the value of derivative instruments used to economically hedge them. The fair value of mortgage loans held for sale is determined using quoted prices for a similar asset, adjusted for specific attributes of that loan and are classified as Level 2.

Derivative Financial Instruments

United uses derivatives to manage interest rate risk. The valuation of these instruments is typically determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including interest rate curves and implied volatilities. The fair values of interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts and the discounted expected variable cash payments. The variable cash payments are based on an expectation of future interest rates (forward curves) derived from observable market interest rate curves. United also uses best effort and mandatory delivery forward loan sale commitments to hedge risk in its mortgage lending business.

United incorporates CVAs as necessary to appropriately reflect the respective counterparty’s nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, United has considered the effect of netting and any applicable credit enhancements, such as collateral postings, thresholds and guarantees.

Management has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy. However, the CVAs associated with these derivatives utilize Level 3 inputs, such as estimates of current credit spreads, to evaluate the likelihood of default by itself and its counterparties. Generally, management’s assessment of the significance of the CVAs has indicated that they are not a significant input to the overall valuation of the derivatives. In cases where management’s assessment indicates that the CVA is a significant input, the related derivative is disclosed as a Level 3 value. In other cases, derivatives are categorized as Level 3 when there is not an observable forward-rate curve available for the duration of the contract.

Other derivatives classified as Level 3 include structured derivatives for which broker quotes, used as a key valuation input, were not observable. Risk participation agreements are classified as Level 3 instruments due to the incorporation of significant Level 3 inputs used to evaluate the probability of funding and the likelihood of customer default. Interest rate lock commitments, which relate to mortgage loan commitments, are categorized as Level 3 instruments as the fair value of these instruments is based on unobservable inputs for commitments that United does not expect to fund.

Contingent Consideration Receivable

As part of the FinTrust sale in 2024, United recognized a receivable for contingent consideration. The contingent consideration receivable is measured at fair value using a probability-weighted discounted cash flow approach which includes significant unobservable inputs classified within Level 3 of the fair value hierarchy.

Servicing Rights for Residential Mortgage and SBA/USDA Loans

United recognizes servicing rights upon the sale of residential mortgage and SBA/USDA loans sold with servicing retained. Management has elected to carry these assets at fair value. Given the nature of the assets, the key valuation inputs, such as prepayment speeds and discount rates, are unobservable and management considers these Level 3 assets. For disclosure regarding the fair value of servicing rights, see Note 10.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

The table below presents United’s assets and liabilities measured at fair value on a recurring basis, aggregated by the level in the fair value hierarchy within which those measurements fall:


(in thousands)
December 31, 2025	Level 1		Level 2		Level 3		Total
Assets:
AFS debt securities:
U.S. Treasuries	$	493,755	$	—	$	—	$	493,755
U.S. Government agencies & GSEs	—		298,350		—		298,350
State and political subdivisions	—		154,883		—		154,883
Residential MBS	—		1,690,332		—		1,690,332
Commercial MBS	—		692,087		—		692,087
Corporate bonds	—		136,176		492		136,668
Asset-backed securities	—		284,788		—		284,788
Equity securities with readily determinable fair values	—		2,481		—		2,481
Mortgage loans held for sale	—		39,381		—		39,381
Mutual funds and other investments	16,343		140		—		16,483
Servicing rights for SBA/USDA loans	—		—		4,880		4,880
Residential mortgage servicing rights	—		—		41,231		41,231
Contingent consideration receivable	—		—		7,195		7,195
Derivative financial instruments	—		27,231		8,082		35,313
Total assets	$	510,098	$	3,325,849	$	61,880	$	3,897,827

Liabilities:
Deferred compensation plan liability	$	16,345	$	140	$	—	$	16,485
Derivative financial instruments	—		44,507		8,490		52,997
Total liabilities	$	16,345	$	44,647	$	8,490	$	69,482


(in thousands)
December 31, 2024	Level 1		Level 2		Level 3		Total
Assets:
AFS debt securities:
U.S. Treasuries	$	503,669	$	—	$	—	$	503,669
U.S. Government agencies & GSEs	—		320,267		—		320,267
State and political subdivisions	—		158,232		—		158,232
Residential MBS	—		2,229,959		—		2,229,959
Commercial MBS	—		822,897		—		822,897
Corporate bonds	—		150,394		2,226		152,620
Asset-backed securities	—		248,647		—		248,647
Equity securities with readily determinable fair values	—		2,341		—		2,341
Mortgage loans held for sale	—		57,534		—		57,534
Mutual funds	15,335		—		—		15,335
Servicing rights for SBA/USDA loans	—		—		4,697		4,697
Residential mortgage servicing rights	—		—		39,294		39,294
Contingent consideration receivable	—		—		7,470		7,470
Derivative financial instruments	—		35,227		11,656		46,883
Total assets	$	519,004	$	4,025,498	$	65,343	$	4,609,845

Liabilities:
Deferred compensation plan liability	$	15,331	$	—	$	—	$	15,331
Derivative financial instruments	—		65,548		12,286		77,834
Total liabilities	$	15,331	$	65,548	$	12,286	$	93,165

For disclosure regarding the fair value of servicing rights, see Note 10. The following table shows a reconciliation of the beginning and ending balances for all other assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs that are classified as Level 3 values:


(in thousands)	Derivative Asset		Derivative Liability		Corporate Bonds		Contingent consideration receivable
December 31, 2022	$	11,513	$	12,840	$	2,212	$	—


Additions	—		241		—		—
Sales and settlements	(11)		—		—		—
Fair value adjustments included in OCI	—		—		(7)		—
Fair value adjustments included in earnings	(860)		(1,909)		—		—
December 31, 2023	10,642		11,172		2,205		—
Transfers from Level 3 (1)	—		(16)		—
Transfers from Level 2 (1)	484		925		—		—
Additions	4,819		58		—		7,623
Sales and settlements	(5,834)		(393)		—		(153)
Fair value adjustments included in OCI	—		—		21		—
Fair value adjustments included in earnings	1,545		540		—		—
December 31, 2024	11,656		12,286		2,226		7,470



Additions	5,423		321		—		—
Sales and settlements	(5,219)		—		(1,750)		(283)
Fair value adjustments included in OCI	—		—		16		—
Fair value adjustments included in earnings	(3,778)		(4,117)		—		8
December 31, 2025	$	8,082	$	8,490	$	492	$	7,195

(1) Certain derivative assets were transferred between Level 2 and Level 3 of the fair value hierarchy due to a change in the availability of an observable forward-rate curve for the duration of the contract.

The following table presents quantitative information about significant unobservable inputs related to United’s material categories of Level 3 assets and liabilities, excluding servicing rights which are detailed in Note 10:

Level 3 Assets and Liabilities

Valuation Technique

December 31,

Significant Unobservable Inputs

2025

2024

Range

Weighted Average

Range

Weighted Average

Derivative assets - mortgage

Internal model

Pull through rate

60.0% - 100%

91.6%

70.4% - 100%

91.6%

Derivative assets & liabilities - other

Dealer priced

N/A

Contingent consideration receivable

Discounted cash flow

Discount rate

6.7 - 6.7

6.7

0.0-7.1

6.4

Probability of achievement

82.6 - 100

88.2

89.3 - 100.0

92.6

Fair Value Option

United generally records mortgage loans held for sale at fair value under the fair value option. Interest income on these loans is calculated based on the note rate of the loan and is recorded in interest revenue. The following tables present the fair value and outstanding principal balance of loans accounted for under the fair value option, as well as the gain or loss recognized from the change in fair value for the periods indicated.


	Mortgage Loans Held for Sale
	December 31,
(in thousands)	2025		2024
Outstanding principal balance	$	38,187	$	56,097
Fair value	39,381		57,534


(in thousands)	Amount of Gain (Loss) Recognized on Mortgage Loans Held for Sale
Location	2025		2024		2023
Mortgage loan gains and other related fees	$	(243)	$	217	$	900

Changes in fair value were mostly offset by hedging activities. An immaterial portion of these amounts was attributable to changes in instrument-specific credit risk.

Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis

United may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis. These adjustments to fair value usually result from the application of lower of amortized cost or fair value accounting or write-downs of individual assets due to impairment.

The following table presents the fair value hierarchy and carrying value of all assets that were still held as of December 31, 2025 and 2024, for which a nonrecurring fair value adjustment was recorded during the periods presented.


(in thousands)
December 31, 2025	Level 1		Level 2		Level 3		Total
Loans held for investment	$	—	$	—	$	19,216	$	19,216


December 31, 2024
Loans held for investment	$	—	$	—	$	27,313	$	27,313

Loans held for investment that are reported above as being measured at fair value on a nonrecurring basis are generally impaired loans that have either been partially charged off or have been assigned a specific reserve. Nonaccrual loans that are collateral dependent are generally written down to net realizable value, which reflects fair values less the estimated costs to sell. Specific reserves that are established based on appraised value of collateral are considered nonrecurring fair value adjustments as well. When the fair value of the collateral is based on an observable market price or a current appraised value, United records the impaired loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value is

further impaired below the appraised value and there is no observable market price, United records the impaired loan as nonrecurring Level 3.

Assets and Liabilities Not Measured at Fair Value

For financial instruments that have quoted market prices, those quotes are used to determine fair value. Financial instruments that have no defined maturity, have a remaining maturity of 180 days or less, or reprice frequently to a market rate are assumed to have a fair value that approximates reported book value, after taking into consideration any applicable credit risk. If no market quotes are available, financial instruments are valued by discounting the expected cash flows using an estimated current market interest rate for the financial instrument. For off-balance sheet derivative instruments, fair value is estimated as the amount that United would receive or pay to terminate the contracts at the reporting date, taking into account the current unrealized gains or losses on open contracts.

Cash and cash equivalents and repurchase agreements have short maturities and therefore the carrying value approximates fair value. Due to the short-term settlement of accrued interest receivable and payable, the carrying amount closely approximates fair value.

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect the premium or discount on any particular financial instrument that could result from the sale of United’s entire holdings. All estimates are inherently subjective in nature. Changes in assumptions could significantly affect the estimates.

Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial instruments include the mortgage banking operation, wealth management network, deferred income taxes, premises and equipment and goodwill. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

Off-balance sheet instruments (commitments to extend credit and standby letters of credit) for which draws can be reasonably predicted are generally short-term and at variable rates. Therefore, both the carrying amount and the estimated fair value associated with these instruments are immaterial.

The carrying amount and fair values for other financial instruments that are not measured at fair value on a recurring basis in United’s consolidated balance sheets are as follows:


(in thousands)	Carrying Amount		Fair Value Level
December 31, 2025			Level 1		Level 2		Level 3		Total
Assets:
HTM debt securities	$	2,237,356	$	19,039	$	1,899,387	$	—	$	1,918,426
Loans, net	19,173,888		—		—		18,651,481		18,651,481

Liabilities:
Deposits	23,798,430		—		23,790,107		—		23,790,107

Long-term debt	120,400		—		—		120,279		120,279

December 31, 2024
Assets:
HTM debt securities	$	2,368,107	$	18,162	$	1,925,964	$	—	$	1,944,126
Loans, net	17,968,982		—		—		17,325,630		17,325,630

Liabilities:
Deposits	23,460,975		—		23,453,487		—		23,453,487
Long-term debt	254,152		—		—		248,657		248,657

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 940
-SubTopic 820
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

Derivatives and Hedging Activities - Schedule of Effect Derivatives in Hedging Relationships Consolidated Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Fair value hedging \| Interest revenue - investment securities \| Interest revenue
Effect of hedging relationships on interest expense:
Amounts related to interest settlements on derivatives	$ 5,305	$ 11,840	$ 8,682
(Loss) gain recognized on derivatives	(14,018)	5,579	4,005
Gain (loss) recognized on hedged items	14,031	(5,079)	(4,673)
Net income recognized on AFS fair value hedges	5,318	12,340	8,014
Fair value hedging \| Interest revenue - loans, including fees \| Interest revenue
Effect of hedging relationships on interest expense:
Amounts related to interest settlements on derivatives	(2,310)	10,369	113
(Loss) gain recognized on derivatives	2,238	(5,661)	(1,874)
Gain (loss) recognized on hedged items	(1,994)	5,434	1,893
Net income recognized on AFS fair value hedges	(2,066)	10,142	132
Cash flow hedging \| Interest expense
Effect of hedging relationships on interest expense:
Premium amortization expense excluded from assessment of hedge effectiveness	472	473	472
Cash flow hedging \| Interest expense - long term debt \| Interest expense
Effect of hedging relationships on interest expense:
Net income recognized on AFS fair value hedges	$ 4,422	$ 5,557	$ 4,719

Equity Compensation Plans - Schedule of Restricted Stock Units and Options Outstanding and Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Options, Shares
Beginning balance, outstanding (in shares)	284,757	406,737	40,338
Granted/Assumed (in shares)	0	0	643,298
Vested / Exercised (in shares)	(90,081)	(119,627)	(272,279)
Cancelled (in shares)	(984)	(2,353)	(4,620)
Ending balance, outstanding (in shares)	193,692	284,757	406,737
Options, Weighted Average Exercise Price
Beginning balance, outstanding (in dollars per share)	$ 21.18	$ 21.19	$ 11.88
Granted/Assumed (in dollars per share)	0	0	20.91
Vested / Exercised (in dollars per shares)	20.20	21.10	19.06
Cancelled (in dollars per share)	28.45	26.05	25.97
Ending balance, outstanding (in dollars per share)	$ 21.61	$ 21.18	$ 21.19
Outstanding, Weighted Average Remaining Term (in years)	3 years 4 months 24 days
Vested / Exercised during period, Aggregate Intrinsic Value	$ 972
Outstanding, Aggregate Intrinsic Value	$ 1,862
Restricted Stock Units
Restricted Stock Units, Shares
Beginning balance, outstanding (in shares)	1,101,977	929,367	778,686
Granted/Assumed (in shares)	487,755	540,566	542,388
Vested / Exercised (in shares)	(363,937)	(276,144)	(311,219)
Cancelled (in shares)	(94,931)	(91,812)	(80,488)
Ending balance, outstanding (in shares)	1,130,864	1,101,977	929,367
Restricted Stock Units, Weighted Average Grant Date Fair Value
Beginning balance, outstanding (in dollars per share)	$ 29.61	$ 28.85	$ 28.28
Granted/Assumed (in dollars per share)	33.01	29.26	28.98
Vested / Exercised (in dollars per share)	29.93	26.89	26.95
Cancelled (in dollars per share)	29.62	28.30	31.21
Ending balance, outstanding (in dollars per share)	$ 30.98	$ 29.61	$ 28.85
Vested / Exercised, Aggregate Intrinsic Value	$ 11,460
Outstanding, Aggregate Intrinsic Value	$ 35,306

Income Taxes - Schedule of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Federal
Current	$ 74,001	$ 58,041	$ 36,982
Deferred	11,309	4,546	4,013
Total federal	85,310	62,587	40,995
State
Current	10,171	5,372	1,630
Deferred	(1,080)	2,517	2,259
Total state	9,091	7,889	3,889
(Decrease) increase in valuation allowance	(84)	133	117
Total income tax expense	$ 94,317	$ 70,609	$ 45,001

Fair Value Measurements - Schedule of Carrying Amount and Fair Values for Other Financial Instruments that are not Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Assets:
HTM debt securities	$ 1,918,426	$ 1,944,126
Carrying Amount
Assets:
HTM debt securities	2,237,356	2,368,107
Loans, net	19,173,888	17,968,982
Liabilities:
Deposits	23,798,430	23,460,975
Long-term debt	120,400	254,152
Fair Value
Assets:
HTM debt securities	1,918,426	1,944,126
Loans, net	18,651,481	17,325,630
Liabilities:
Deposits	23,790,107	23,453,487
Long-term debt	120,279	248,657
Fair Value \| Level 1
Assets:
HTM debt securities	19,039	18,162
Loans, net	0	0
Liabilities:
Deposits	0	0
Long-term debt	0	0
Fair Value \| Level 2
Assets:
HTM debt securities	1,899,387	1,925,964
Loans, net	0	0
Liabilities:
Deposits	23,790,107	23,453,487
Long-term debt	0	0
Fair Value \| Level 3
Assets:
HTM debt securities	0	0
Loans, net	18,651,481	17,325,630
Liabilities:
Deposits	0	0
Long-term debt	$ 120,279	$ 248,657

Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2025

Regulatory Capital Requirements Under Banking Regulations [Abstract]

Schedule of Minimum Amounts Required for Capital Adequacy Purposes

Regulatory capital ratios at December 31, 2025 and 2024, along with the minimum amounts required for capital adequacy purposes and to be well-capitalized under prompt corrective action provisions in effect at such times are presented below for United and the Bank:


	Basel III Guidelines				United Community Banks, Inc. (consolidated)						United Community Bank
(dollars in thousands)	Minimum (1)		Well Capitalized		2025			2024			2025			2024
Risk-based ratios:
CET1 capital	4.5	%	6.5	%	13.44		%	13.27		%	12.34		%	13.05		%
Tier 1 capital	6.0		8.0		13.44			13.72			12.34			13.05
Total capital	8.0		10.0		14.77			15.17			13.37			14.08
Tier 1 leverage ratio	4.0		5.0		10.28			9.96			9.42			9.46
CET1 capital					$	2,824,732		$	2,608,136		$	2,582,475		$	2,555,941
Tier 1 capital					2,824,732			2,696,402			2,582,475			2,555,941
Total capital					3,104,806			2,982,273			2,797,549			2,756,811
RWAs					21,019,967			19,655,227			20,931,562			19,582,815
Average total assets					27,469,241			27,059,513			27,401,675			27,014,385

(1) As of December 31, 2025 and 2024, the additional capital conservation buffer in effect was 2.50%.

Supplemental Cash Flow Information (Tables)

12 Months Ended

Dec. 31, 2025

Supplemental Cash Flow Elements [Abstract]

Schedule of Supplemental Cash Flow Information

The supplemental schedule of cash and noncash activities for the periods indicated is as follows.


(in thousands)	2025		2024		2023
Cash paid during the period for:
Interest	$	476,076	$	551,355	$	408,532
Income taxes, net:
Federal	$	43,029	$	14,219	$	50,685
State and local (1)	6,827		4,315		7,271
Total	$	49,856	$	18,534	$	57,956

Significant non-cash investing and financing transactions:







ROU assets recognized in exchange for lease liabilities (2)	3,628		15,622		7,662
Contingent consideration receivable for FinTrust sale	—		7,623		—
Acquisitions:
Assets acquired, including goodwill	446,504		—		2,922,243
Liabilities assumed	380,766		—		2,527,654
Net assets acquired	65,738		—		394,589
Value of common stock issued	65,738		—		384,123
Options converted	—		—		10,017

(1) No state jurisdiction exceeded 5% of total income taxes paid (net of refunds). (2) Excludes ROU assets from acquisitions, which are included in assets acquired.

Investments - Schedule of Cost Basis, Unrealized Gains and Losses, and Fair Value of AFS Debt Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
AFS debt securities:
Amortized Cost	$ 3,886,584	$ 4,664,300
Gross Unrealized Gains	12,610	3,887
Gross Unrealized Losses	148,331	231,896
Fair Value	3,750,863	4,436,291
U.S. Treasuries
AFS debt securities:
Amortized Cost	496,402	511,994
Gross Unrealized Gains	1,106	874
Gross Unrealized Losses	3,753	9,199
Fair Value	493,755	503,669
U.S. Government agencies & GSEs
AFS debt securities:
Amortized Cost	308,096	334,147
Gross Unrealized Gains	129	100
Gross Unrealized Losses	9,875	13,980
Fair Value	298,350	320,267
State and political subdivisions
AFS debt securities:
Amortized Cost	165,118	175,041
Gross Unrealized Gains	0	0
Gross Unrealized Losses	10,235	16,809
Fair Value	154,883	158,232
Residential MBS, Agency & GSE
AFS debt securities:
Amortized Cost	1,503,962	2,070,433
Gross Unrealized Gains	6,151	1,431
Gross Unrealized Losses	79,636	125,833
Fair Value	1,430,477	1,946,031
Residential MBS, Non-agency
AFS debt securities:
Amortized Cost	272,869	302,318
Gross Unrealized Gains	7	0
Gross Unrealized Losses	13,021	18,390
Fair Value	259,855	283,928
Commercial MBS, Agency & GSE
AFS debt securities:
Amortized Cost	704,318	844,302
Gross Unrealized Gains	4,896	851
Gross Unrealized Losses	24,897	35,243
Fair Value	684,317	809,910
Commercial MBS, Non-agency
AFS debt securities:
Amortized Cost	7,857	13,323
Gross Unrealized Gains	0	0
Gross Unrealized Losses	87	336
Fair Value	7,770	12,987
Corporate bonds
AFS debt securities:
Amortized Cost	142,527	164,069
Gross Unrealized Gains	27	130
Gross Unrealized Losses	5,886	11,579
Fair Value	136,668	152,620
Asset-backed securities
AFS debt securities:
Amortized Cost	285,435	248,673
Gross Unrealized Gains	294	501
Gross Unrealized Losses	941	527
Fair Value	$ 284,788	$ 248,647

Regulatory Matters (Details) $ in Thousands	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)
Risk-based ratios:
CET1 capital, Minimum	0.045
CET1 capital, Well Capitalized	0.065
CET1 capital	0.1344	0.1327
Tier 1 capital, Minimum	0.060
Tier 1 capital, Well Capitalized	0.080
Tier 1 capital	0.1344	0.1372
Total capital, Minimum	0.080
Total capital, Well Capitalized	0.100
Total capital	0.1477	0.1517
Tier 1 leverage ratio, Minimum	0.040
Tier 1 leverage ratio, Well Capitalized	0.050
Tier 1 leverage ratio	0.1028	0.0996
CET1 capital	$ 2,824,732	$ 2,608,136
Tier 1 capital	2,824,732	2,696,402
Total capital	3,104,806	2,982,273
RWAs	21,019,967	19,655,227
Average total assets	$ 27,469,241	$ 27,059,513
United Community Bank
Risk-based ratios:
CET1 capital	0.1234	0.1305
Tier 1 capital	0.1234	0.1305
Total capital	0.1337	0.1408
Tier 1 leverage ratio	0.0942	0.0946
CET1 capital	$ 2,582,475	$ 2,555,941
Tier 1 capital	2,582,475	2,555,941
Total capital	2,797,549	2,756,811
RWAs	20,931,562	19,582,815
Average total assets	$ 27,401,675	$ 27,014,385

Consolidated Statements of Income - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Interest revenue:
Loans, including fees	$ 1,153,277	$ 1,147,477	$ 1,042,605
Investment securities:
Taxable	209,810	199,789	162,505
Tax exempt	6,690	6,834	7,295
Deposits in banks and short-term investments	13,162	23,641	24,702
Total interest revenue	1,382,939	1,377,741	1,237,107
Interest expense:
Deposits	463,752	535,519	395,574
Short-term borrowings	1,233	131	3,195
Federal Home Loan Bank advances	433	0	5,761
Long-term debt	8,414	14,723	14,812
Total interest expense	473,832	550,373	419,342
Net interest revenue	909,107	827,368	817,765
Noninterest income:
Wealth management fees	18,870	23,695	23,740
Net gains (losses) from sale of other loans	7,923	(21,284)	9,146
Other lending and loan servicing fees	16,412	14,396	13,973
Securities gains (losses), net	352	(3,316)	(53,333)
Other	43,684	42,704	24,325
Total noninterest income	154,045	124,756	75,483
Total revenue	1,063,152	952,124	893,248
Provision for credit losses	48,806	50,951	89,430
Noninterest expense:
Salaries and employee benefits	354,451	340,043	318,464
Occupancy	44,968	44,306	42,640
Communications and equipment	55,244	49,249	43,264
Professional fees	24,595	24,732	26,732
FDIC assessments and other regulatory charges	18,987	20,978	27,449
Lending and loan servicing expense	8,759	8,379	9,722
Outside services - electronic banking	13,441	13,703	11,577
Postage, printing and supplies	10,650	9,867	9,467
Advertising and public relations	9,605	8,546	9,473
Amortization of intangibles	13,079	14,596	15,175
Merger-related and other charges	10,204	8,623	27,210
Other	27,951	35,145	30,100
Total noninterest expense	591,934	578,167	571,273
Income before income taxes	422,412	323,006	232,545
Income tax expense	94,317	70,609	45,001
Net income	328,095	252,397	187,544
Net income available to common shareholders, basic	318,183	244,626	180,847
Net income available to common shareholders, diluted	$ 318,183	$ 244,626	$ 180,847
Income per common share:
Basic (in dollars per share)	$ 2.62	$ 2.04	$ 1.54
Diluted (in dollars per share)	$ 2.62	$ 2.04	$ 1.54
Weighted average common shares outstanding:
Basic (in shares)	121,309	119,783	117,603
Diluted (in shares)	121,437	119,900	117,745
Service charges and fees
Noninterest income:
Service charges and other related fees	$ 41,731	$ 40,994	$ 38,412
Mortgage loan gains and related fees
Noninterest income:
Service charges and other related fees	$ 25,073	$ 27,567	$ 19,220

Servicing Assets and Liabilities - Schedule of Key Characteristics, Inputs, and Economic Assumptions Used To Estimate The Fair Value of SBA/USDA Loans Servicing Asset and Sensitivity (Details) - SBA/USDA loans - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Servicing Assets at Fair Value [Line Items]
Fair value of retained servicing assets	$ 4,880	$ 4,697	$ 5,444	$ 5,188
10% adverse change	(248)	(240)
20% adverse change	(475)	(458)
100 bps adverse change	(109)	(101)
200 bps adverse change	$ (213)	$ (198)
Weighted average
Servicing Assets at Fair Value [Line Items]
Prepayment rate assumption	19.70%	20.40%
Discount rate	11.70%	11.80%
Minimum
Servicing Assets at Fair Value [Line Items]
Prepayment rate assumption	0.00%	0.00%
Discount rate	5.20%	3.50%
Maximum
Servicing Assets at Fair Value [Line Items]
Prepayment rate assumption	36.30%	39.00%
Discount rate	24.30%	23.50%

Earnings Per Share - Schedule of Computation of Basic and Diluted Net Income Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Computation of basic and diluted earnings per share
Net income	$ 328,095	$ 252,397	$ 187,544
Earnings allocated to participating securities	(1,918)	(1,478)	(1,032)
Dividends on preferred stock	(4,719)	(6,293)	(6,635)
Deemed dividend on redemption of preferred stock	(3,275)	0	0
Discount on preferred shares repurchased	0	0	970
Net income available to common shareholders, basic	318,183	244,626	180,847
Net income available to common shareholders, diluted	$ 318,183	$ 244,626	$ 180,847
Net income per common share:
Basic (in dollars per share)	$ 2.62	$ 2.04	$ 1.54
Diluted (in dollars per share)	$ 2.62	$ 2.04	$ 1.54
Weighted average common shares:
Basic (in shares)	121,309	119,783	117,603
Effect of dilutive securities:
Diluted (in shares)	121,437	119,900	117,745
Stock options
Effect of dilutive securities:
Dilutive securities (in shares)	67	82	121
Restricted stock units
Effect of dilutive securities:
Dilutive securities (in shares)	61	35	21

Operating Leases - Schedule of Future Minimum Lease Payments Under Operating Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Future minimum lease payments
2026	$ 10,020
2027	9,600
2028	6,537
2029	4,950
2030	3,638
Thereafter	8,001
Total	42,746
Less discount	(4,385)
Present value of lease liability	$ 38,361	$ 45,162

Condensed Financial Statements of United Community Banks, Inc. (Holding Company Only)

12 Months Ended

Dec. 31, 2025

Condensed Financial Information Disclosure [Abstract]

Condensed Financial Statements of United Community Banks, Inc. (Holding Company Only)

Balance Sheets

As of December 31, 2025 and 2024

(in thousands)


	2025		2024
Assets
Cash and cash equivalents	$	294,896	$	358,383
Investment in Bank	3,391,455		3,282,263
Investment in other subsidiaries	19,767		20,686
Other assets	114,096		98,357
Total assets	$	3,820,214	$	3,759,689
Liabilities and Shareholders’ Equity
Long-term debt	$	120,400	$	254,152
Other liabilities	61,128		73,410
Total liabilities	181,528		327,562
Shareholders’ equity	3,638,686		3,432,127
Total liabilities and shareholders’ equity	$	3,820,214	$	3,759,689

Statements of Income

For the Years Ended December 31, 2025, 2024 and 2023

(in thousands)


	2025		2024		2023
Dividends from Bank	$	355,856	$	152,500	$	197,900
Dividends from other subsidiaries	—		13,249		—
Shared service fees from subsidiaries	21,116		19,338		18,892
Other	7,392		13,718		303
Total income	384,364		198,805		217,095
Interest expense	8,414		15,344		15,650
Other expense	26,530		25,680		22,256
Total expenses	34,944		41,024		37,906
Income tax benefit	2,305		3,529		5,227
Income before equity in undistributed earnings of subsidiaries	351,725		161,310		184,416
Equity in undistributed earnings of subsidiaries	(23,630)		91,087		3,128
Net income	$	328,095	$	252,397	$	187,544

Statements of Cash Flows

For the Years Ended December 31, 2025, 2024 and 2023

(in thousands)


	2025		2024		2023
Operating activities:
Net income	$	328,095	$	252,397	$	187,544
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings of the subsidiaries	23,630		(91,087)		(3,128)

Loss (gain) on extinguishment of debt	768		(2,266)		—
Stock-based compensation	11,405		10,803		8,932
Change in assets and liabilities:
Other assets	(19,385)		16,199		(38,844)
Other liabilities	(12,559)		(31,226)		32,206
Net cash provided by operating activities	331,954		154,820		186,710
Investing activities:
Net cash received for acquisition	21		—		11,338

Purchases of debt securities available-for-sale and equity securities with readily determinable fair values	—		—		(1,869)

Proceeds from sales and maturities of debt securities available-for-sale and equity securities with readily determinable fair values	4,250		7,469		482

Other investing inflows	617		912		—
Other investing outflows	(5,060)		(3,162)		(3,805)

Net cash (used in) provided by investing activities	(172)		5,219		6,146
Financing activities:
Repayment of long-term debt	(135,000)		(78,557)		—


Cash paid for shares withheld to cover payroll taxes related to equity instruments	(3,368)		(2,866)		(3,015)
Proceeds from issuance of common stock for dividend reinvestment plan	327		329		309
Purchase of common stock	(44,269)		—		—
Proceeds from exercise of stock options	1,819		2,524		5,191
Redemption or repurchase of preferred stock	(91,541)		—		(7,151)

Cash dividends on preferred stock	(4,719)		(6,293)		(6,635)
Cash dividends on common stock	(118,518)		(112,316)		(105,085)
Other financing outflows	—		—		(3,300)
Net cash used in financing activities	(395,269)		(197,179)		(119,686)
Net change in cash	(63,487)		(37,140)		73,170
Cash at beginning of year	358,383		395,523		322,353
Cash at end of year	$	294,896	$	358,383	$	395,523

Time Deposits - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2025	Dec. 31, 2024
Deposits [Abstract]
Time deposits (excluding brokered time deposits) that met or exceeded FDIC insurance limit	$ 1,180	$ 1,080

Investments (Tables)

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

Schedule of Amortized Cost Basis, Unrealized Gains and Losses and Fair Value of HTM Debt Securities

The cost basis, unrealized gains and losses, and fair value of HTM debt securities as of the dates indicated are as follows:


(in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of December 31, 2025
U.S. Treasuries	$	19,927	$	—	$	888	$	19,039
U.S. Government agencies & GSEs	98,851		—		11,233		87,618
State and political subdivisions	282,807		42		41,784		241,065
Residential MBS, Agency & GSE	1,182,098		15		164,860		1,017,253

Commercial MBS, Agency & GSE	638,673		—		98,391		540,282

Supranational entities	15,000		—		1,831		13,169
Total	$	2,237,356	$	57	$	318,987	$	1,918,426

As of December 31, 2024
U.S. Treasuries	$	19,896	$	—	$	1,734	$	18,162
U.S. Government agencies & GSEs	99,154		—		16,291		82,863
State and political subdivisions	289,492		10		55,206		234,296
Residential MBS, Agency & GSE	1,282,174		1		223,671		1,058,504

Commercial MBS, Agency & GSE	662,391		—		124,409		537,982

Supranational entities	15,000		—		2,681		12,319
Total	$	2,368,107	$	11	$	423,992	$	1,944,126

Schedule of Amortized Cost Basis, Unrealized Gains and Losses, and Fair Value of AFS Debt Securities

The cost basis, unrealized gains and losses, and fair value of AFS debt securities as of the dates indicated are presented below. United has fair value hedges on certain of its AFS debt securities, which is further explained in Note 8.


(in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of December 31, 2025
U.S. Treasuries	$	496,402	$	1,106	$	3,753	$	493,755
U.S. Government agencies & GSEs	308,096		129		9,875		298,350
State and political subdivisions	165,118		—		10,235		154,883
Residential MBS, Agency & GSE	1,503,962		6,151		79,636		1,430,477
Residential MBS, Non-agency	272,869		7		13,021		259,855
Commercial MBS, Agency & GSE	704,318		4,896		24,897		684,317
Commercial MBS, Non-agency	7,857		—		87		7,770

Corporate bonds	142,527		27		5,886		136,668
Asset-backed securities	285,435		294		941		284,788

Total	$	3,886,584	$	12,610	$	148,331	$	3,750,863

As of December 31, 2024
U.S. Treasuries	$	511,994	$	874	$	9,199	$	503,669
U.S. Government agencies & GSEs	334,147		100		13,980		320,267
State and political subdivisions	175,041		—		16,809		158,232
Residential MBS, Agency & GSE	2,070,433		1,431		125,833		1,946,031
Residential MBS, Non-agency	302,318		—		18,390		283,928
Commercial MBS, Agency & GSE	844,302		851		35,243		809,910
Commercial MBS, Non-agency	13,323		—		336		12,987

Corporate bonds	164,069		130		11,579		152,620
Asset-backed securities	248,673		501		527		248,647
Total	$	4,664,300	$	3,887	$	231,896	$	4,436,291

Schedule of HTM Debt Securities in an Unrealized Loss Position

The following summarizes HTM debt securities in an unrealized loss position as of the dates indicated:


	Less than 12 Months				12 Months or More				Total
(in thousands)	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of December 31, 2025
U.S. Treasuries	$	—	$	—	$	19,039	$	888	$	19,039	$	888
U.S. Government agencies & GSEs	—		—		87,618		11,233		87,618		11,233
State and political subdivisions	—		—		226,464		41,784		226,464		41,784
Residential MBS, Agency & GSE	—		—		1,016,225		164,860		1,016,225		164,860

Commercial MBS, Agency & GSE	—		—		540,282		98,391		540,282		98,391

Supranational entities	—		—		13,169		1,831		13,169		1,831
Total unrealized loss position	$	—	$	—	$	1,902,797	$	318,987	$	1,902,797	$	318,987

As of December 31, 2024
U.S. Treasuries	$	—	$	—	$	18,162	$	1,734	$	18,162	$	1,734
U.S. Government agencies & GSEs	—		—		82,863		16,291		82,863		16,291
State and political subdivisions	18,729		305		212,356		54,901		231,085		55,206
Residential MBS, Agency & GSE	6,778		1,822		1,051,455		221,849		1,058,233		223,671

Commercial MBS, Agency & GSE	—		—		537,981		124,409		537,981		124,409

Supranational entities	—		—		12,319		2,681		12,319		2,681
Total unrealized loss position	$	25,507	$	2,127	$	1,915,136	$	421,865	$	1,940,643	$	423,992

Schedule of AFS Debt Securities in an Unrealized Loss Position

The following summarizes AFS debt securities in an unrealized loss position as of the dates indicated:


	Less than 12 Months				12 Months or More				Total
(in thousands)	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of December 31, 2025
U.S. Treasuries	$	25,372	$	3	$	110,899	$	3,750	$	136,271	$	3,753
U.S. Government agencies & GSEs	49,487		167		211,151		9,708		260,638		9,875
State and political subdivisions	25		1		153,857		10,234		153,882		10,235
Residential MBS, Agency & GSE	60,042		61		841,090		79,575		901,132		79,636
Residential MBS, Non-agency	11,458		39		247,997		12,982		259,455		13,021
Commercial MBS, Agency & GSE	13,138		46		356,038		24,851		369,176		24,897
Commercial MBS, Non-agency	—		—		7,770		87		7,770		87
Corporate bonds	—		—		134,731		5,886		134,731		5,886
Asset-backed securities	81,248		408		58,594		533		139,842		941
Total unrealized loss position	$	240,770	$	725	$	2,122,127	$	147,606	$	2,362,897	$	148,331

As of December 31, 2024
U.S. Treasuries	$	75,183	$	808	$	106,036	$	8,391	$	181,219	$	9,199
U.S. Government agencies & GSEs	101,964		388		190,525		13,592		292,489		13,980
State and political subdivisions	—		—		157,479		16,809		157,479		16,809
Residential MBS, Agency & GSE	773,257		7,593		896,691		118,240		1,669,948		125,833
Residential MBS, Non-agency	2,788		98		281,140		18,292		283,928		18,390
Commercial MBS, Agency & GSE	226,363		1,733		355,852		33,510		582,215		35,243
Commercial MBS, Non-agency	—		—		12,987		336		12,987		336
Corporate bonds	—		—		150,666		11,579		150,666		11,579
Asset-backed securities	46,870		98		64,271		429		111,141		527
Total unrealized loss position	$	1,226,425	$	10,718	$	2,215,647	$	221,178	$	3,442,072	$	231,896

Schedule of Amortized Cost and Fair Value of AFS and HTM Securities by Contractual Maturity

The amortized cost and fair value of AFS and HTM debt securities at December 31, 2025, by contractual maturity, are presented in the following table.


	AFS				HTM
(in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within 1 year:
U.S. Treasuries	$	209,572	$	209,748	$	—	$	—
U.S. Government agencies & GSEs	11,823		11,617		—		—
State and political subdivisions	4,091		4,061		500		501
Corporate bonds	26,930		26,607		—		—
	252,416		252,033		500		501
1 to 5 years:
U.S. Treasuries	286,830		284,007		19,927		19,039
U.S. Government agencies & GSEs	61,410		56,775		18,279		17,607
State and political subdivisions	43,350		40,266		35,283		33,650
Corporate bonds	102,715		98,238		—		—
	494,305		479,286		73,489		70,296
5 to 10 years:

U.S. Government agencies & GSEs	163,060		159,945		68,072		58,729
State and political subdivisions	64,678		59,414		81,235		71,292
Corporate bonds	12,882		11,823		—		—
Supranational entities	—		—		15,000		13,169
	240,620		231,182		164,307		143,190
More than 10 years:

U.S. Government agencies & GSEs	71,803		70,013		12,500		11,282
State and political subdivisions	52,999		51,142		165,789		135,622

	124,802		121,155		178,289		146,904
Debt securities not due at a single maturity:
Asset-backed securities	285,435		284,788		—		—
Residential MBS	1,776,831		1,690,332		1,182,098		1,017,253
Commercial MBS	712,175		692,087		638,673		540,282
	2,774,441		2,667,207		1,820,771		1,557,535

Total	$	3,886,584	$	3,750,863	$	2,237,356	$	1,918,426

Schedule of Accrued Interest Receivable

The following table presents accrued interest receivable for the periods indicated on HTM and AFS debt securities, which was excluded from the estimate of credit losses.


	Accrued Interest Receivable
	December 31,
(in thousands)	2025		2024
HTM	$	5,486	$	5,763
AFS	16,413		18,201

Schedule of AFS Securities Sales Activity

The following summarizes securities sales activities for the years ended December 31:


(in thousands)	2025		2024		2023
Proceeds from sales	$	547,338	$	176,721	$	880,224

Gross gains on sales	$	1,332	$	164	$	1,373
Gross losses on sales	(980)		(3,480)		(54,706)
Net losses on sales of securities	$	352	$	(3,316)	$	(53,333)

Income tax benefit attributable to sales	$	85	$	(837)	$	(13,575)

Schedule of Equity Method Investments

The table below reflects the carrying value of certain equity investments, which are included in other assets on the consolidated balance sheet, as of December 31.


	December 31,
(in thousands)	2025		2024
Federal Reserve Stock	$	89,979	$	88,008
FHLB Stock	18,049		18,051
Equity securities with readily determinable fair values	2,481		2,341

- Definition

Tabular disclosure of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
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Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
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+ Details

- Definition

Tabular disclosure of information about investment in debt security measured at amortized cost (held-to-maturity).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 5A
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5A

Reference 15: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 16: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 17: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

Reference 18: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 320
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 5B
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481800/320-10-50-5B

+ Details

Goodwill and Other Intangible Assets - Schedule of Estimated Aggregate Amortization Expense For Future Periods (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Estimated aggregate amortization expense for future periods
2026	$ 11,501
2027	9,498
2028	7,592
2029	5,835
2030	4,183
Thereafter	4,154
Net core deposit intangible	$ 42,763

Commitments and Contingencies - Tax Credits and Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Investments in LIHTC:
Other Commitments [Line Items]
Income tax credits and other income tax benefits	$ (9,264)	$ (7,986)
Amortization expense	$ 8,125	$ 7,046
Investment Program, Proportional Amortization Method, Elected Income Tax Credit And Other Income Tax Benefit, Before Amortization, Statement Of Cash Flows Extensible Enumeration Not Disclosed Flag	true	true
Investment Program, Proportional Amortization Method, Elected, Income Tax Credit and Other Income Tax Benefit, before Amortization, Statement of Cash Flows [Extensible Enumeration]	Income tax expense	Income tax expense
Investment Program, Proportional Amortization Method, Applied, Amortization Expense, Statement of Cash Flows [Extensible Enumeration]	Income tax expense	Income tax expense
Investment Program, Proportional Amortization Method, Applied, Income Tax Credit And Other Tax Benefit, Amortization, Statement Of Cash Flows Extensible Enumeration Not Disclosed Flag	true	true
Renewable energy investments:
Other Commitments [Line Items]
Income tax credits and other income tax benefits	$ (9,880)	$ 0
Amortization expense	$ 9,161	$ 0

Loans and Leases and Allowance for Credit Losses - Schedule of Nonaccrual Loans by Loan Class (Details) - Loans receivable - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Nonaccrual loans
With no allowance	$ 29,778	$ 70,123
With an allowance	61,320	43,456
Nonaccrual Loans	91,098	113,579
Commercial
Nonaccrual loans
With no allowance	23,998	63,316
With an allowance	27,350	19,379
Nonaccrual Loans	51,348	82,695
Commercial \| Owner occupied CRE
Nonaccrual loans
With no allowance	7,627	9,926
With an allowance	3,538	1,748
Nonaccrual Loans	11,165	11,674
Commercial \| Income producing CRE
Nonaccrual loans
With no allowance	8,335	24,970
With an allowance	3,153	387
Nonaccrual Loans	11,488	25,357
Commercial \| Commercial & industrial
Nonaccrual loans
With no allowance	7,965	21,570
With an allowance	10,329	7,769
Nonaccrual Loans	18,294	29,339
Commercial \| Commercial construction and land
Nonaccrual loans
With no allowance	0	6,817
With an allowance	18	583
Nonaccrual Loans	18	7,400
Commercial \| Equipment financing
Nonaccrual loans
With no allowance	71	33
With an allowance	10,312	8,892
Nonaccrual Loans	10,383	8,925
Residential \| Commercial construction and land
Nonaccrual loans
With no allowance	701	0
With an allowance	378	57
Nonaccrual Loans	1,079	57
Residential \| Residential mortgage
Nonaccrual loans
With no allowance	4,861	6,540
With an allowance	27,562	18,075
Nonaccrual Loans	32,423	24,615
Residential \| Home equity
Nonaccrual loans
With no allowance	218	231
With an allowance	5,029	4,399
Nonaccrual Loans	5,247	4,630
Residential \| Manufactured housing
Nonaccrual loans
With no allowance	0	0
With an allowance	0	1,444
Nonaccrual Loans	0	1,444
Consumer Portfolio
Nonaccrual loans
With no allowance	0	36
With an allowance	1,001	102
Nonaccrual Loans	$ 1,001	$ 138

Equity Compensation Plans - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Plan vesting period (in years)	4 years
Plan exercisable period (in years)	10 years
Additional awards remaining available under plan (in shares)	1,380,000
Deferred income tax benefit related to compensation expense for awards	$ 2,860,000	$ 2,730,000	$ 2,280,000
Performance-based restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Units outstanding (in shares)	228,986
Restricted stock units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Units outstanding (in shares)	1,130,864	1,101,977	929,367	778,686
Unrecognized compensation cost	$ 26,100,000
Weighted-average recognition period for unrecognized compensation cost	2 years 7 months 6 days
Restricted stock units \| Salaries and employee benefit expense \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 10,600,000	$ 10,100,000	$ 8,210,000
Restricted stock units \| Other operating expenses \| Director
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	810,000	743,000	725,000
Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Compensation expense	$ 0	$ 0	$ 0

Operating Leases (Tables)

12 Months Ended

Dec. 31, 2025

Leases [Abstract]

Schedule of ROU Asset and Operating Lease Liability

The following table presents the balances of the ROU asset and corresponding operating lease liability as of the dates indicated.


	December 31,
(dollars in thousands)	2025		2024
ROU asset	$	37,045	$	42,818
Operating lease liability	38,361		45,162

Schedule of Operating Lease Income and Expense and Other Supplemental Information

The table below presents information regarding operating lease income and expense recognized for the periods indicated.


(in thousands)	2025			2024			2023
Operating lease cost	$	11,014		$	13,385		$	14,953
Variable lease cost	2,056			1,967			2,174
Short-term lease cost	30			16			63
Total lease cost	$	13,100		$	15,368		$	17,190

Sublease income and rental income from owned properties under operating leases	$	1,787		$	1,755		$	1,338

Net cash payments related to the lease liability	11,845			13,243			15,190

Weighted average remaining lease term	5.4 years			5.5 years			5.0 years
Weighted average discount rate	3.6		%	3.5		%	2.8		%

Schedule of Future Minimum Lease Payments Under Operating Leases

As of December 31, 2025, future minimum lease payments under operating leases were as follows:


(in thousands)
Year
2026	$	10,020
2027	9,600
2028	6,537
2029	4,950
2030	3,638
Thereafter	8,001
Total	42,746
Less discount	(4,385)
Present value of lease liability	$	38,361

Income Taxes - Narrative (Details) - USD ($)	Dec. 31, 2025	Dec. 31, 2024
Tax Credit Carryforward [Line Items]
Valuation allowance	$ 1,088,000	$ 1,172,000
Net DTA	75,861,000	96,982,000
Tax benefit related to uncertain tax positions that increases income from continuing operations	3,340,000
Accrued penalties and interest	0	$ 0
Begin to expire in 2026, Subject to IRS \| State
Tax Credit Carryforward [Line Items]
Net operating loss carryforwards	35,400,000
Begin to expire in 2026 \| State
Tax Credit Carryforward [Line Items]
Net operating loss carryforwards	27,500,000
Begin to expire in 2027 \| State
Tax Credit Carryforward [Line Items]
State tax credits	5,500,000
Begin to expire in 2027 \| Federal
Tax Credit Carryforward [Line Items]
Net operating loss carryforwards	$ 41,700,000

Fair Value Measurements - Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Details) - Level 3 - Fair Value, Recurring - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Derivative Liability
Liabilities:
Balance at beginning of period	$ 12,286	$ 11,172	$ 12,840
Transfers from Level 3		(16)
Transfers from Level 2		925
Additions	321	58	241
Sales and settlements	0	(393)	0
Fair value adjustments included in OCI	0	0	0
Fair value adjustments included in earnings	(4,117)	540	(1,909)
Balance at ending of period	8,490	12,286	11,172
Derivative Asset
Assets:
Balance at beginning of period	11,656	10,642	11,513
Transfers from Level 3		0
Transfers from Level 2		484
Additions	5,423	4,819	0
Sales and settlements	(5,219)	(5,834)	(11)
Fair value adjustments included in OCI	0	0	0
Fair value adjustments included in earnings	(3,778)	1,545	(860)
Balance at ending of period	8,082	11,656	10,642
Corporate Bonds
Assets:
Balance at beginning of period	2,226	2,205	2,212
Transfers from Level 3		0
Transfers from Level 2		0
Additions	0	0	0
Sales and settlements	(1,750)	0	0
Fair value adjustments included in OCI	16	21	(7)
Fair value adjustments included in earnings	0	0	0
Balance at ending of period	492	2,226	2,205
Contingent consideration receivable
Assets:
Balance at beginning of period	7,470	0	0
Transfers from Level 3
Transfers from Level 2		0
Additions	0	7,623	0
Sales and settlements	(283)	(153)	0
Fair value adjustments included in OCI	0	0	0
Fair value adjustments included in earnings	8	0	0
Balance at ending of period	$ 7,195	$ 7,470	$ 0

Loans and Leases and Allowance for Credit Losses - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2025 USD ($)	Dec. 31, 2024 USD ($)	Dec. 31, 2023 USD ($) extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	$ 83,557	$ 85,616
Unemployment projected peak (in percent)	4.80%	4.10%
Qualitative adjustment	$ 10,100	$ 9,800
Loans Receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable	60,400	60,100
Consumer Portfolio
Accounts, Notes, Loans and Financing Receivable [Line Items]
Overdrawn deposit accounts	3,750	3,690
Commercial \| Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Financing receivable, repayment through operation or sale of collateral, amortized cost	$ 41,500	$ 75,100
Commercial \| Commercial & industrial \| Extended Maturity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Extended weighted average maturity	2 years	1 year 3 months 18 days
Commercial \| Commercial & industrial \| Rate Reduction & Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted average payment delay term (in months)		3.50%
Extended weighted average maturity		7 years 9 months 18 days
Commercial \| Income producing CRE \| Rate Reduction & Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted average payment delay term (in months)		3.04%
Extended weighted average maturity		4 years 9 months 18 days
Commercial \| Loans Receivable \| Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted average payment delay term (in months)			3 months
Loans in bankruptcy status modified during period			$ 2,790
Commercial \| Loans Receivable \| Commercial & industrial \| Payment Delay
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted average payment delay term (in months)			11 months
Commercial \| Loans Receivable \| Equipment financing \| Extended Maturity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of extensions \| extension			1
Extension from modification			3 months
Financing receivable, modified, weighted average extension term granted			9 months
Commercial \| Loans Receivable \| Income producing CRE \| Rate Reduction & Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted average payment delay term (in months)			1.44%
Extended weighted average maturity			2 years
Commercial \| Loans Receivable \| Residential Mortgage And Manufactured Housing \| Rate Reduction & Extension
Accounts, Notes, Loans and Financing Receivable [Line Items]
Weighted average payment delay term (in months)			6.14%
Extended weighted average maturity			18 years

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Purchase and credit card loans	$ 10,000	$ 3,250

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Statement of Stockholders' Equity [Abstract]
Common stock dividends (in dollars per share)	$ 0.98	$ 0.94	$ 0.92

Benefit Plans (Tables)

12 Months Ended

Dec. 31, 2025

Retirement Benefits [Abstract]

Schedule of Weighted-average Assumptions Used to Determine Pension Benefit Obligations

Weighted-average assumptions used to determine the pension benefit obligation of the Modified Retirement Plan at year-end and net periodic pension cost are shown in the table below:



	2025		2024
Discount rate for disclosures	5.35	%	5.60	%
Discount rate for net periodic benefit cost	5.60	%	4.95	%
Measurement date	12/31/2025		12/31/2024

Schedule of Changes in Obligations and Plan Assets

United recognizes the unfunded status of the Modified Retirement Plan as a liability in the consolidated balance sheets. Information about changes in obligations and plan assets follows:



(in thousands)	2025		2024
Accumulated benefit obligation:
Accumulated benefit obligation - beginning of year	$	20,232	$	21,641
Service cost	486		500
Interest cost	1,099		1,042

Actuarial losses (gains)	501		(1,783)
Benefits paid	(1,202)		(1,168)
Accumulated benefit obligation - end of year	21,116		20,232
Change in plan assets, at fair value:
Beginning plan assets	—		—

Employer contribution	1,202		1,168
Benefits paid	(1,202)		(1,168)
Plan assets - end of year	—		—
Funded status - end of year (plan assets less benefit obligations)	$	(21,116)	$	(20,232)

Schedule of Components of Net Periodic Benefit Cost and Other Amounts Recognized in Other Comprehensive Income

Components of net periodic benefit cost and other amounts recognized in other comprehensive income related to the Modified Retirement Plan are as follows:



(in thousands)	2025		2024		2023
Service cost	$	486	$	500	$	463
Interest cost	1,099		1,042		1,035

Amortization of prior service cost	100		179		244
Amortization of net actuarial gains	(169)		—		—
Net periodic benefit cost	$	1,516	$	1,721	$	1,742

Schedule of Estimated Future Benefit Payments Expected to be Paid

The following table summarizes the estimated future benefit payments expected to be paid from the Modified Retirement Plan for the periods indicated.


(in thousands)
2026	$	1,234
2027	1,523
2028	1,560
2029	1,610
2030	1,724
2031-2035	8,911

Commitments and Contingencies - Contractual Amount of Off-Balance Sheet Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Commitments to extend credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amounts represent credit risk:	$ 4,732,083	$ 3,970,991
Letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments whose contract amounts represent credit risk:	$ 53,008	$ 57,983

Goodwill and Other Intangible Assets

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Other Intangible Assets

The carrying amount of goodwill and other intangible assets is summarized below as of the dates indicated:


	December 31,
(in thousands)	2025		2024
Core deposit intangible	$	106,984	$	100,694
Less: accumulated amortization	(64,221)		(51,141)
Net core deposit intangible	42,763		49,553
Goodwill	925,119		907,090
Total goodwill and other intangible assets, net	$	967,882	$	956,643

The following table summarizes the changes in the carrying amounts of goodwill for the years indicated. See Note 3 for further detail.


(in thousands)	Goodwill
December 31, 2023	$	919,914
Measurement period adjustment - First Miami	1,339
FinTrust goodwill write-down	(5,100)
Sale of FinTrust	(9,063)
December 31, 2024	907,090
Acquisition of ANB	18,029
December 31, 2025	$	925,119

The estimated aggregate amortization expense for future periods for finite lived intangibles is as follows:


(in thousands)
Year
2026	$	11,501
2027	9,498
2028	7,592
2029	5,835
2030	4,183
Thereafter	4,154
Total	$	42,763

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Statement of Financial Position [Abstract]
Debt securities, held-to-maturity, fair value	$ 1,918,426	$ 1,944,126
Other assets, fair value	72,270	69,137
Accrued expenses and other liabilities, fair value	$ 16,485	$ 15,331
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, authorized (in shares)	10,000,000	10,000,000
Preferred stock, issued (in shares)	0	3,662
Preferred stock, outstanding (in shares)	0	3,662
Preferred stock, liquidation preference	$ 25	$ 25
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, authorized (in shares)	200,000,000	200,000,000
Common stock, issued (in shares)	120,598,266	119,364,110
Common stock, outstanding (in shares)	120,598,266	119,364,110

Insider Trading Policies and Procedures	12 Months Ended
Insider Trading Policies and Procedures	Dec. 31, 2025
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Investments

12 Months Ended

Dec. 31, 2025

Investments, Debt and Equity Securities [Abstract]

Investments

The cost basis, unrealized gains and losses, and fair value of HTM debt securities as of the dates indicated are as follows:


(in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of December 31, 2025
U.S. Treasuries	$	19,927	$	—	$	888	$	19,039
U.S. Government agencies & GSEs	98,851		—		11,233		87,618
State and political subdivisions	282,807		42		41,784		241,065
Residential MBS, Agency & GSE	1,182,098		15		164,860		1,017,253

Commercial MBS, Agency & GSE	638,673		—		98,391		540,282

Supranational entities	15,000		—		1,831		13,169
Total	$	2,237,356	$	57	$	318,987	$	1,918,426

As of December 31, 2024
U.S. Treasuries	$	19,896	$	—	$	1,734	$	18,162
U.S. Government agencies & GSEs	99,154		—		16,291		82,863
State and political subdivisions	289,492		10		55,206		234,296
Residential MBS, Agency & GSE	1,282,174		1		223,671		1,058,504

Commercial MBS, Agency & GSE	662,391		—		124,409		537,982

Supranational entities	15,000		—		2,681		12,319
Total	$	2,368,107	$	11	$	423,992	$	1,944,126


(in thousands)	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
As of December 31, 2025
U.S. Treasuries	$	496,402	$	1,106	$	3,753	$	493,755
U.S. Government agencies & GSEs	308,096		129		9,875		298,350
State and political subdivisions	165,118		—		10,235		154,883
Residential MBS, Agency & GSE	1,503,962		6,151		79,636		1,430,477
Residential MBS, Non-agency	272,869		7		13,021		259,855
Commercial MBS, Agency & GSE	704,318		4,896		24,897		684,317
Commercial MBS, Non-agency	7,857		—		87		7,770

Corporate bonds	142,527		27		5,886		136,668
Asset-backed securities	285,435		294		941		284,788

Total	$	3,886,584	$	12,610	$	148,331	$	3,750,863

As of December 31, 2024
U.S. Treasuries	$	511,994	$	874	$	9,199	$	503,669
U.S. Government agencies & GSEs	334,147		100		13,980		320,267
State and political subdivisions	175,041		—		16,809		158,232
Residential MBS, Agency & GSE	2,070,433		1,431		125,833		1,946,031
Residential MBS, Non-agency	302,318		—		18,390		283,928
Commercial MBS, Agency & GSE	844,302		851		35,243		809,910
Commercial MBS, Non-agency	13,323		—		336		12,987

Corporate bonds	164,069		130		11,579		152,620
Asset-backed securities	248,673		501		527		248,647
Total	$	4,664,300	$	3,887	$	231,896	$	4,436,291

At December 31, 2025 and 2024, securities with a carrying value of $2.98 billion and $3.20 billion, respectively, were pledged primarily to secure public deposits.

The following summarizes HTM debt securities in an unrealized loss position as of the dates indicated:


	Less than 12 Months				12 Months or More				Total
(in thousands)	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of December 31, 2025
U.S. Treasuries	$	—	$	—	$	19,039	$	888	$	19,039	$	888
U.S. Government agencies & GSEs	—		—		87,618		11,233		87,618		11,233
State and political subdivisions	—		—		226,464		41,784		226,464		41,784
Residential MBS, Agency & GSE	—		—		1,016,225		164,860		1,016,225		164,860

Commercial MBS, Agency & GSE	—		—		540,282		98,391		540,282		98,391

Supranational entities	—		—		13,169		1,831		13,169		1,831
Total unrealized loss position	$	—	$	—	$	1,902,797	$	318,987	$	1,902,797	$	318,987

As of December 31, 2024
U.S. Treasuries	$	—	$	—	$	18,162	$	1,734	$	18,162	$	1,734
U.S. Government agencies & GSEs	—		—		82,863		16,291		82,863		16,291
State and political subdivisions	18,729		305		212,356		54,901		231,085		55,206
Residential MBS, Agency & GSE	6,778		1,822		1,051,455		221,849		1,058,233		223,671

Commercial MBS, Agency & GSE	—		—		537,981		124,409		537,981		124,409

Supranational entities	—		—		12,319		2,681		12,319		2,681
Total unrealized loss position	$	25,507	$	2,127	$	1,915,136	$	421,865	$	1,940,643	$	423,992

The following summarizes AFS debt securities in an unrealized loss position as of the dates indicated:


	Less than 12 Months				12 Months or More				Total
(in thousands)	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
As of December 31, 2025
U.S. Treasuries	$	25,372	$	3	$	110,899	$	3,750	$	136,271	$	3,753
U.S. Government agencies & GSEs	49,487		167		211,151		9,708		260,638		9,875
State and political subdivisions	25		1		153,857		10,234		153,882		10,235
Residential MBS, Agency & GSE	60,042		61		841,090		79,575		901,132		79,636
Residential MBS, Non-agency	11,458		39		247,997		12,982		259,455		13,021
Commercial MBS, Agency & GSE	13,138		46		356,038		24,851		369,176		24,897
Commercial MBS, Non-agency	—		—		7,770		87		7,770		87
Corporate bonds	—		—		134,731		5,886		134,731		5,886
Asset-backed securities	81,248		408		58,594		533		139,842		941
Total unrealized loss position	$	240,770	$	725	$	2,122,127	$	147,606	$	2,362,897	$	148,331

As of December 31, 2024
U.S. Treasuries	$	75,183	$	808	$	106,036	$	8,391	$	181,219	$	9,199
U.S. Government agencies & GSEs	101,964		388		190,525		13,592		292,489		13,980
State and political subdivisions	—		—		157,479		16,809		157,479		16,809
Residential MBS, Agency & GSE	773,257		7,593		896,691		118,240		1,669,948		125,833
Residential MBS, Non-agency	2,788		98		281,140		18,292		283,928		18,390
Commercial MBS, Agency & GSE	226,363		1,733		355,852		33,510		582,215		35,243
Commercial MBS, Non-agency	—		—		12,987		336		12,987		336
Corporate bonds	—		—		150,666		11,579		150,666		11,579
Asset-backed securities	46,870		98		64,271		429		111,141		527
Total unrealized loss position	$	1,226,425	$	10,718	$	2,215,647	$	221,178	$	3,442,072	$	231,896

At December 31, 2025, there were 486 AFS debt securities and 282 HTM debt securities that were in an unrealized loss position. Management does not intend to sell nor believes it will be required to sell securities in an unrealized loss position prior to the recovery of its amortized cost basis. Unrealized losses at December 31, 2025 and 2024 were primarily attributable to changes in interest rates.

At December 31, 2025 and 2024, the majority of HTM securities qualified for a zero loss assumption for ACL purposes. For the remaining HTM securities, primarily those issued by state and political subdivisions, calculated credit losses and, thus, the related ACL were de minimis due to the high credit quality of the portfolio. As a result, no ACL was recorded on the HTM portfolio at December 31, 2025 and 2024. In addition, based on the assessment performed as of December 31, 2025 and 2024, there was no ACL required related to the AFS portfolio. See Note 1 for additional details on the ACL as it relates to the securities portfolio.

The amortized cost and fair value of AFS and HTM debt securities at December 31, 2025, by contractual maturity, are presented in the following table.


	AFS				HTM
(in thousands)	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within 1 year:
U.S. Treasuries	$	209,572	$	209,748	$	—	$	—
U.S. Government agencies & GSEs	11,823		11,617		—		—
State and political subdivisions	4,091		4,061		500		501
Corporate bonds	26,930		26,607		—		—
	252,416		252,033		500		501
1 to 5 years:
U.S. Treasuries	286,830		284,007		19,927		19,039
U.S. Government agencies & GSEs	61,410		56,775		18,279		17,607
State and political subdivisions	43,350		40,266		35,283		33,650
Corporate bonds	102,715		98,238		—		—
	494,305		479,286		73,489		70,296
5 to 10 years:

U.S. Government agencies & GSEs	163,060		159,945		68,072		58,729
State and political subdivisions	64,678		59,414		81,235		71,292
Corporate bonds	12,882		11,823		—		—
Supranational entities	—		—		15,000		13,169
	240,620		231,182		164,307		143,190
More than 10 years:

U.S. Government agencies & GSEs	71,803		70,013		12,500		11,282
State and political subdivisions	52,999		51,142		165,789		135,622

	124,802		121,155		178,289		146,904
Debt securities not due at a single maturity:
Asset-backed securities	285,435		284,788		—		—
Residential MBS	1,776,831		1,690,332		1,182,098		1,017,253
Commercial MBS	712,175		692,087		638,673		540,282
	2,774,441		2,667,207		1,820,771		1,557,535

Total	$	3,886,584	$	3,750,863	$	2,237,356	$	1,918,426

Expected maturities may differ from contractual maturities because issuers and borrowers may have the right to call or prepay obligations.

The following table presents accrued interest receivable for the periods indicated on HTM and AFS debt securities, which was excluded from the estimate of credit losses.


	Accrued Interest Receivable
	December 31,
(in thousands)	2025		2024
HTM	$	5,486	$	5,763
AFS	16,413		18,201

Realized gains and losses are derived using the specific identification method for determining the cost of the securities sold. The following summarizes securities sales activities for the years ended December 31:


(in thousands)	2025		2024		2023
Proceeds from sales	$	547,338	$	176,721	$	880,224

Gross gains on sales	$	1,332	$	164	$	1,373
Gross losses on sales	(980)		(3,480)		(54,706)
Net losses on sales of securities	$	352	$	(3,316)	$	(53,333)

Income tax benefit attributable to sales	$	85	$	(837)	$	(13,575)

Equity Investments

The table below reflects the carrying value of certain equity investments, which are included in other assets on the consolidated balance sheet, as of December 31.


	December 31,
(in thousands)	2025		2024
Federal Reserve Stock	$	89,979	$	88,008
FHLB Stock	18,049		18,051
Equity securities with readily determinable fair values	2,481		2,341

Derivatives and Hedging Activities

12 Months Ended

Dec. 31, 2025

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivatives and Hedging Activities

The table below presents the fair value of derivative financial instruments as of the dates indicated as well as their classification on the consolidated balance sheets:


	December 31, 2025						December 31, 2024
	Notional Amount		Fair Value				Notional Amount		Fair Value
(in thousands)			Derivative Assets		Derivative Liabilities				Derivative Assets		Derivative Liabilities
Derivatives designated as hedging instruments:
Cash flow hedge of subordinated debt	$	100,000	$	6,288	$	—	$	100,000	$	11,196	$	—
Cash flow hedge of trust preferred securities	20,000		—		—		20,000		—		—

Fair value hedge of AFS debt securities	785,009		—		—		821,507		—		—
Fair value hedge of loans	1,900,000		—		—		1,650,000		—		—
Total	2,805,009		6,288		—		2,591,507		11,196		—

Derivatives not designated as hedging instruments:
Customer derivative positions	1,541,391		11,457		32,841		1,225,732		1,740		63,703
Dealer offsets to customer derivative positions	1,541,391		9,478		11,441		1,225,732		21,897		1,811
Risk participations	103,668		—		108		81,147		—		12
Mortgage banking - loan commitment	41,125		1,027		—		52,444		822		—
Mortgage banking - forward sales commitment	94,219		8		225		77,401		394		34
Bifurcated embedded derivatives	51,935		7,055		—		51,935		10,834		—
Dealer offsets to bifurcated embedded derivatives	51,935		—		8,382		51,935		—		12,274
Total	3,425,664		29,025		52,997		2,766,326		35,687		77,834

Total derivatives	$	6,230,673	$	35,313	$	52,997	$	5,357,833	$	46,883	$	77,834

Total gross derivative instruments			$	35,313	$	52,997			$	46,883	$	77,834
Less: Amounts subject to master netting agreements			(7,917)		(7,917)				(1,900)		(1,900)
Less: Cash collateral received/pledged			(8,305)		(12,156)				(33,005)		(12,230)
Net amount			$	19,091	$	32,924			$	11,978	$	63,704

United clears certain derivatives centrally through the CME. CME rules legally characterize variation margin payments for centrally cleared derivatives as settlements of the derivatives’ exposure rather than as collateral. As a result, the variation margin payment and the related derivative instruments are considered a single unit of account for accounting purposes. Variation margin, as determined by the CME, is settled daily. As a result, derivative contracts that clear through the CME have an estimated fair value of zero.

Hedging Derivatives

Cash Flow Hedges of Interest Rate Risk

At December 31, 2025 and 2024, United utilized interest rate caps and swaps to hedge the variability of cash flows due to changes in interest rates on certain of its variable-rate subordinated debt and trust preferred securities. Gains and losses related to changes in fair value are reclassified into earnings in the periods the hedged forecasted transactions occur. Over the next twelve months, United expects to reclassify $3.54 million of gains from AOCI into earnings related to these agreements.

Fair Value Hedges of Interest Rate Risk

United uses interest rate swaps to manage its exposure to changes in fair value attributable to changes in interest rates on certain of its fixed-rate financial instruments. For the periods presented, fair value hedges include portfolio layer method interest rate swaps on loans and AFS debt securities.

The table below presents the effect of derivatives in hedging relationships on the consolidated statements of income.


		Year Ended December 31,
(in thousands)	Income Statement Line Item Affected	2025		2024		2023
Fair value hedges:
AFS securities:
Amounts related to interest settlements on derivatives		$	5,305	$	11,840	$	8,682
(Loss) gain recognized on derivatives		(14,018)		5,579		4,005
Gain (loss) recognized on hedged items		14,031		(5,079)		(4,673)
Net income recognized on AFS fair value hedges	Interest revenue - investment securities	$	5,318	$	12,340	$	8,014
Loans:
Amounts related to interest settlements on derivatives		$	(2,310)	$	10,369	$	113
Gain (loss) recognized on derivatives		2,238		(5,661)		(1,874)
(Loss) gain recognized on hedged items		(1,994)		5,434		1,893
Net (loss) income recognized on loan fair value hedges	Interest revenue - loans, including fees	$	(2,066)	$	10,142	$	132

Cash flow hedges:


Long-term debt (1)	Interest expense - long term debt	$	4,422	$	5,557	$	4,719

(1) Includes $472,000, $473,000 and $472,000 of premium amortization expense excluded from the assessment of hedge effectiveness for each of the years ended December 31, 2025, 2024 and 2023, respectively.

The table below presents the carrying amount of hedged items and cumulative fair value hedging basis adjustments for the periods presented. All fair value hedges of AFS debt securities and loans at December 31, 2025 and 2024 were designated under the portfolio layer method.


(in thousands)	December 31, 2025						December 31, 2024
Balance Sheet Location	Carrying Amount		Hedge Accounting Basis Adjustment		Hedged Portfolio Layer		Carrying Amount		Hedge Accounting Basis Adjustment		Hedged Portfolio Layer
Debt securities AFS (1)	$	971,854	$	4,279	$	785,009	$	1,002,511	$	(9,752)	$	821,507
Loans and leases held for investment	3,556,859		5,333		1,900,000		4,628,030		7,327		1,650,000

(1) Carrying amount for AFS debt securities reflects amortized cost, which excludes the hedge accounting basis adjustment.

Derivatives Not Designated as Hedging Instruments

Customer derivative positions include swaps, caps, and collars between United and certain commercial loan customers with offsetting positions to dealers under a back-to-back program. In addition, United occasionally enters into credit risk participation agreements with counterparty banks to accept or transfer a portion of the credit risk related to interest rate swaps.

United also has three interest rate swap contracts that are economic hedges of market-linked brokered certificates of deposit, which contain embedded derivatives that are bifurcated from the host instruments. The fair value marks on the swaps and the bifurcated embedded derivatives tend to move in opposite directions and therefore provide an economic hedge.

In addition, in connection with residential mortgage loans that are originated with the intention of selling, United enters into commitments to originate residential mortgage loans and forward loan sales commitments.

The table below presents the gains and losses recognized in income on derivatives not designated as hedging instruments for the periods indicated.


	Income Statement Location	Year Ended December 31,
(in thousands)		2025		2024		2023
Customer derivatives and dealer offsets	Other noninterest income	$	4,677	$	1,762	$	2,186
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	(38)		(230)		(2,245)


Mortgage banking derivatives	Mortgage loan gains and related fees	(1,561)		770		1,280
Risk participations	Other noninterest income	350		30		229
Total gains and losses		$	3,428	$	2,332	$	1,450

Credit-risk-related Contingent Features

United manages its credit exposure on derivative transactions by entering into a bilateral credit support agreement with each non-customer counterparty. The credit support agreements require collateralization of exposures beyond specified minimum threshold amounts. The details of these agreements, including the minimum thresholds, vary by counterparty.

United’s agreements with each of its derivative counterparties contain a provision where if either party defaults on any of its indebtedness, then it could also be declared in default on its derivative obligations. The agreements with derivative counterparties also include provisions that if not met, could result in United being declared in default. United has agreements with certain of its derivative counterparties that provide that if United fails to maintain its status as a well-capitalized institution or is subject to a prompt corrective action directive, the counterparty could terminate the derivative positions and United would be required to settle its obligations under the agreements. Derivatives that are centrally cleared do not have credit-risk-related features that require additional collateral if United’s credit rating were downgraded.

- Definition

The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.

+ References

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+ Details

Regulatory Matters

12 Months Ended

Dec. 31, 2025

Regulatory Capital Requirements Under Banking Regulations [Abstract]

Regulatory Matters

Capital Requirements

United and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary action by regulators that, if undertaken, could have a direct material effect on United. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, United and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures (as defined) established by regulation to ensure capital adequacy require United and the Bank to maintain minimum amounts and ratios of total capital, Tier 1 capital, and CET1 capital to RWAs, and of Tier 1 capital to average assets.

United and the Bank are also subject to a “capital conservation buffer,” which is designed to absorb losses during periods of economic stress. Banking organizations with a ratio of CET1 capital to RWAs above the minimum but below the conservation buffer (or below the combined capital conservation buffer and counter-cyclical capital buffer, when the latter is applied) will face constraints on dividends, equity repurchases and discretionary bonus compensation based on the amount of the shortfall.

As of December 31, 2025, United and the Bank were categorized as well-capitalized under the regulatory framework for prompt corrective action in effect at such time, and management believes there have been no conditions or events since year-end that would change the status of well-capitalized. To be categorized as well-capitalized, United and the Bank must have exceeded the well-capitalized guideline ratios in effect at such time, as set forth in the table below, and have met certain other requirements.


	Basel III Guidelines				United Community Banks, Inc. (consolidated)						United Community Bank
(dollars in thousands)	Minimum (1)		Well Capitalized		2025			2024			2025			2024
Risk-based ratios:
CET1 capital	4.5	%	6.5	%	13.44		%	13.27		%	12.34		%	13.05		%
Tier 1 capital	6.0		8.0		13.44			13.72			12.34			13.05
Total capital	8.0		10.0		14.77			15.17			13.37			14.08
Tier 1 leverage ratio	4.0		5.0		10.28			9.96			9.42			9.46
CET1 capital					$	2,824,732		$	2,608,136		$	2,582,475		$	2,555,941
Tier 1 capital					2,824,732			2,696,402			2,582,475			2,555,941
Total capital					3,104,806			2,982,273			2,797,549			2,756,811
RWAs					21,019,967			19,655,227			20,931,562			19,582,815
Average total assets					27,469,241			27,059,513			27,401,675			27,014,385

(1) As of December 31, 2025 and 2024, the additional capital conservation buffer in effect was 2.50%.

Cash, Dividend, Loan and Other Restrictions

Federal and state banking regulations place certain restrictions on dividends paid by the Bank to the Holding Company. See Note 1 for further detail.

The Federal Reserve Act requires that extensions of credit by the Bank to certain affiliates, including the Holding Company, be secured by specific collateral, that the extension of credit to any one affiliate be limited to 10% of capital and surplus (as defined), and that extensions of credit to all such affiliates be limited to 20% of capital and surplus.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

+ References + Details

Equity Compensation Plans

12 Months Ended

Dec. 31, 2025

Share-Based Payment Arrangement [Abstract]

Equity Compensation Plans

United has an equity compensation plan that allows for grants of various stock-based compensation. The general terms of the plan include a vesting period (usually four years) with an exercisable period not to exceed ten years. Certain options and restricted stock unit awards provide for accelerated vesting if there is a change in control of United or certain other conditions are met (as defined in the plan document). As of December 31, 2025, 1.38 million additional awards could be granted under the plan.

Restricted stock units and options outstanding and activity for the years ended December 31 consisted of the following:


	Restricted Stock Units					Options
	Shares	Weighted Average Grant Date Fair Value		Aggregate Intrinsic Value (000’s)		Shares	Weighted Average Exercise Price		Weighted Average Remaining Term (Yrs.)	Aggregate Intrinsic Value (000’s)
December 31, 2022	778,686	$	28.28			40,338	$	11.88
Granted / Assumed	542,388	28.98				643,298	20.91
Vested / Exercised	(311,219)	26.95				(272,279)	19.06

Cancelled	(80,488)	31.21				(4,620)	25.97
December 31, 2023	929,367	28.85				406,737	21.19
Granted	540,566	29.26				—	—
Vested / Exercised	(276,144)	26.89				(119,627)	21.10

Cancelled	(91,812)	28.30				(2,353)	26.05
December 31, 2024	1,101,977	29.61				284,757	21.18
Granted	487,755	33.01				—	—
Vested / Exercised	(363,937)	29.93		$	11,460	(90,081)	20.20			$	972

Cancelled	(94,931)	29.62				(984)	28.45
December 31, 2025	1,130,864	30.98		35,306		193,692	21.61		3.4	1,862

Compensation expense for restricted stock units without market conditions is based on the market value of United’s common stock on the date of grant. United recognizes the impact of forfeitures as they occur. The value of restricted stock unit awards is amortized into expense over the service period.

In addition to time-based restricted stock unit awards, the Board has also approved performance-based restricted stock units (“PSUs”), which vest based on achieving certain performance and market targets relative to a bank peer group. Achievement of the target-level performance and market criteria for all applicable periods will result in the issuance of 228,986 shares, which are included in the outstanding balance as of December 31, 2025 in the table above. The actual number of shares issued related to the

vesting of PSUs may be greater or less than target depending on the achievement of the performance and market criteria during any applicable performance period. The grant date per share fair market value of PSUs is estimated using the Monte Carlo Simulation valuation model.

Compensation expense recognized in the consolidated statements of income for employee restricted stock unit awards in 2025, 2024 and 2023 was $10.6 million, $10.1 million and $8.21 million, respectively, which was recognized in salaries and employee benefits expense. In addition, in 2025, 2024 and 2023, $810,000, $743,000 and $725,000, respectively, was recognized in other operating expense for restricted stock unit awards granted to members of the Board. Deferred income tax benefits related to stock-based compensation expense of $2.86 million, $2.73 million and $2.28 million were included in the determination of income tax expense in 2025, 2024 and 2023, respectively. As of December 31, 2025, there was $26.1 million of unrecognized compensation cost related to restricted stock units granted under the plan. The cost is expected to be recognized over a weighted-average period of 2.6 years.

Options granted or assumed in 2023 were related to the Progress acquisition, with the weighted average exercise price of the acquired institution’s fully vested converted options determined pursuant to the purchase agreement. The value of the options was determined using a Black-Scholes model and was included in the acquisition’s purchase price. No compensation expense relating to options was included in earnings for 2025, 2024 or 2023. All outstanding options were vested and exercisable at December 31, 2025.

Condensed Financial Statements of United Community Banks, Inc. (Holding Company Only) - Schedule of Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating activities:
Net income	$ 328,095	$ 252,397	$ 187,544
Adjustments to reconcile net income to net cash provided by operating activities:
Loss (gain) on extinguishment of debt	768	(2,266)	0
Stock-based compensation	11,405	10,803	8,932
Changes in assets and liabilities:
Other assets	(12,737)	8,815	(20,504)
Net cash provided by operating activities	384,035	349,734	293,971
Investing activities:
Net cash received for acquisition	41,246	8,592	207,566
Other investing inflows	18,892	18,412	11,307
Other investing outflows	(41)	0	0
Net cash provided by (used in) investing activities	33,417	(991,042)	(163,289)
Financing activities:
Repurchase of common stock	(44,269)	0	0
Redemption/repurchase of preferred stock	(91,541)	0	(7,151)
Cash dividends on preferred stock	(4,719)	(6,293)	(6,635)
Cash dividends on common stock	(118,518)	(112,316)	(105,085)
Other financing outflows	(3,368)	(2,866)	(6,315)
Net cash (used in) provided by financing activities	(541,571)	157,306	226,340
Net change in cash and cash equivalents	(124,119)	(484,002)	357,022
Cash and cash equivalents at beginning of year	519,873	1,003,875	646,853
Cash and cash equivalents at end of year	395,754	519,873	1,003,875
Holding Company
Operating activities:
Net income	328,095	252,397	187,544
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings of the subsidiaries	23,630	(91,087)	(3,128)
Loss (gain) on extinguishment of debt	768	(2,266)	0
Stock-based compensation	11,405	10,803	8,932
Changes in assets and liabilities:
Other assets	(19,385)	16,199	(38,844)
Other liabilities	(12,559)	(31,226)	32,206
Net cash provided by operating activities	331,954	154,820	186,710
Investing activities:
Net cash received for acquisition	21	0	11,338
Purchases of debt securities available-for-sale and equity securities with readily determinable fair values	0	0	(1,869)
Proceeds from sales and maturities of debt securities available-for-sale and equity securities with readily determinable fair values	4,250	7,469	482
Other investing inflows	617	912	0
Other investing outflows	(5,060)	(3,162)	(3,805)
Net cash provided by (used in) investing activities	(172)	5,219	6,146
Financing activities:
Repayment of long-term debt	(135,000)	(78,557)	0
Cash paid for shares withheld to cover payroll taxes related to equity instruments	(3,368)	(2,866)	(3,015)
Proceeds from issuance of common stock for dividend reinvestment plan	327	329	309
Repurchase of common stock	(44,269)	0	0
Proceeds from exercise of stock options	1,819	2,524	5,191
Redemption/repurchase of preferred stock	(91,541)	0	(7,151)
Cash dividends on preferred stock	(4,719)	(6,293)	(6,635)
Cash dividends on common stock	(118,518)	(112,316)	(105,085)
Other financing outflows	0	0	(3,300)
Net cash (used in) provided by financing activities	(395,269)	(197,179)	(119,686)
Net change in cash and cash equivalents	(63,487)	(37,140)	73,170
Cash and cash equivalents at beginning of year	358,383	395,523	322,353
Cash and cash equivalents at end of year	$ 294,896	$ 358,383	$ 395,523

Benefit Plans - Schedule of Components of Net Periodic Benefit Cost and Other Amounts Recognized in Other Comprehensive Income (Details) - Modified Retirement Plan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Components of net periodic benefit cost
Service cost	$ 486	$ 500	$ 463
Interest cost	1,099	1,042	1,035
Amortization of prior service cost	100	179	244
Amortization of net actuarial gains	(169)	0	0
Net periodic benefit cost	$ 1,516	$ 1,721	$ 1,742

Derivatives and Hedging Activities - Schedule of Carrying Amount and Cumulative Fair Value Hedging Adjustments on Hedged Liability (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Derivative [Line Items]
Hedge Accounting Basis Adjustment	$ 5,333	$ 7,327
Fair value hedging of interest rate risk \| Debt Securities AFS
Derivative [Line Items]
Carrying Amount	971,854	1,002,511
Hedge Accounting Basis Adjustment	4,279	(9,752)
Fair value hedging of interest rate risk \| Loans and leases held for investment
Derivative [Line Items]
Carrying Amount	3,556,859	4,628,030
Hedge Accounting Basis Adjustment	5,333	7,327
Fair value hedging of interest rate risk \| Debt Securities AFS
Derivative [Line Items]
Hedged Portfolio Layer	785,009	821,507
Fair value hedging of interest rate risk \| Loans and leases held for investment
Derivative [Line Items]
Hedged Portfolio Layer	$ 1,900,000	$ 1,650,000

Condensed Financial Statements of United Community Banks, Inc. (Holding Company Only) - Schedule of Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Statement of Operations
Interest expense	$ 473,832	$ 550,373	$ 419,342
Income tax benefit	(94,317)	(70,609)	(45,001)
Net income	328,095	252,397	187,544
Holding Company
Statement of Operations
Dividends from Bank	355,856	152,500	197,900
Dividends from other subsidiaries	0	13,249	0
Shared service fees from subsidiaries	21,116	19,338	18,892
Other	7,392	13,718	303
Total income	384,364	198,805	217,095
Interest expense	8,414	15,344	15,650
Other expense	26,530	25,680	22,256
Total expenses	34,944	41,024	37,906
Income tax benefit	2,305	3,529	5,227
Income before equity in undistributed earnings of subsidiaries	351,725	161,310	184,416
Equity in undistributed earnings of subsidiaries	(23,630)	91,087	3,128
Net income	$ 328,095	$ 252,397	$ 187,544

Earnings Per Share (Tables)

12 Months Ended

Dec. 31, 2025

Earnings Per Share [Abstract]

Schedule of Computation of Basic and Diluted Net Income Per Common Share

The following table sets forth the computation of basic and diluted net income per common share for the years indicated:


	Year Ended December 31,
(in thousands, except per share data)	2025		2024		2023
Net income	$	328,095	$	252,397	$	187,544
Earnings allocated to participating securities	(1,918)		(1,478)		(1,032)
Dividends on preferred stock	(4,719)		(6,293)		(6,635)
Deemed dividend on redemption of preferred stock	(3,275)		—		—
Discount on preferred shares repurchased	—		—		970
Net income available to common stockholders	$	318,183	$	244,626	$	180,847
Net income per common share:
Basic	$	2.62	$	2.04	$	1.54
Diluted	2.62		2.04		1.54
Weighted average common shares:
Basic	121,309		119,783		117,603
Effect of dilutive securities:
Stock options	67		82		121
Restricted stock units	61		35		21
Diluted	121,437		119,900		117,745

Derivatives and Hedging Activities (Tables)

12 Months Ended

Dec. 31, 2025

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Fair Value of Derivative Financial Instruments on Consolidated Balance Sheet

The table below presents the fair value of derivative financial instruments as of the dates indicated as well as their classification on the consolidated balance sheets:


	December 31, 2025						December 31, 2024
	Notional Amount		Fair Value				Notional Amount		Fair Value
(in thousands)			Derivative Assets		Derivative Liabilities				Derivative Assets		Derivative Liabilities
Derivatives designated as hedging instruments:
Cash flow hedge of subordinated debt	$	100,000	$	6,288	$	—	$	100,000	$	11,196	$	—
Cash flow hedge of trust preferred securities	20,000		—		—		20,000		—		—

Fair value hedge of AFS debt securities	785,009		—		—		821,507		—		—
Fair value hedge of loans	1,900,000		—		—		1,650,000		—		—
Total	2,805,009		6,288		—		2,591,507		11,196		—

Derivatives not designated as hedging instruments:
Customer derivative positions	1,541,391		11,457		32,841		1,225,732		1,740		63,703
Dealer offsets to customer derivative positions	1,541,391		9,478		11,441		1,225,732		21,897		1,811
Risk participations	103,668		—		108		81,147		—		12
Mortgage banking - loan commitment	41,125		1,027		—		52,444		822		—
Mortgage banking - forward sales commitment	94,219		8		225		77,401		394		34
Bifurcated embedded derivatives	51,935		7,055		—		51,935		10,834		—
Dealer offsets to bifurcated embedded derivatives	51,935		—		8,382		51,935		—		12,274
Total	3,425,664		29,025		52,997		2,766,326		35,687		77,834

Total derivatives	$	6,230,673	$	35,313	$	52,997	$	5,357,833	$	46,883	$	77,834

Total gross derivative instruments			$	35,313	$	52,997			$	46,883	$	77,834
Less: Amounts subject to master netting agreements			(7,917)		(7,917)				(1,900)		(1,900)
Less: Cash collateral received/pledged			(8,305)		(12,156)				(33,005)		(12,230)
Net amount			$	19,091	$	32,924			$	11,978	$	63,704

Schedule of Effect Derivatives in Hedging Relationships Consolidated Statements of Income

The table below presents the effect of derivatives in hedging relationships on the consolidated statements of income.


		Year Ended December 31,
(in thousands)	Income Statement Line Item Affected	2025		2024		2023
Fair value hedges:
AFS securities:
Amounts related to interest settlements on derivatives		$	5,305	$	11,840	$	8,682
(Loss) gain recognized on derivatives		(14,018)		5,579		4,005
Gain (loss) recognized on hedged items		14,031		(5,079)		(4,673)
Net income recognized on AFS fair value hedges	Interest revenue - investment securities	$	5,318	$	12,340	$	8,014
Loans:
Amounts related to interest settlements on derivatives		$	(2,310)	$	10,369	$	113
Gain (loss) recognized on derivatives		2,238		(5,661)		(1,874)
(Loss) gain recognized on hedged items		(1,994)		5,434		1,893
Net (loss) income recognized on loan fair value hedges	Interest revenue - loans, including fees	$	(2,066)	$	10,142	$	132

Cash flow hedges:


Long-term debt (1)	Interest expense - long term debt	$	4,422	$	5,557	$	4,719

Schedule of Carrying Amount and Cumulative Fair Value Hedging Adjustments on Hedged Liability


(in thousands)	December 31, 2025						December 31, 2024
Balance Sheet Location	Carrying Amount		Hedge Accounting Basis Adjustment		Hedged Portfolio Layer		Carrying Amount		Hedge Accounting Basis Adjustment		Hedged Portfolio Layer
Debt securities AFS (1)	$	971,854	$	4,279	$	785,009	$	1,002,511	$	(9,752)	$	821,507
Loans and leases held for investment	3,556,859		5,333		1,900,000		4,628,030		7,327		1,650,000

(1) Carrying amount for AFS debt securities reflects amortized cost, which excludes the hedge accounting basis adjustment.

Schedule of Gains and Losses Recognized in Income on Derivatives Not Designated as Hedging Instruments

The table below presents the gains and losses recognized in income on derivatives not designated as hedging instruments for the periods indicated.


	Income Statement Location	Year Ended December 31,
(in thousands)		2025		2024		2023
Customer derivatives and dealer offsets	Other noninterest income	$	4,677	$	1,762	$	2,186
Bifurcated embedded derivatives and dealer offsets	Other noninterest income	(38)		(230)		(2,245)


Mortgage banking derivatives	Mortgage loan gains and related fees	(1,561)		770		1,280
Risk participations	Other noninterest income	350		30		229
Total gains and losses		$	3,428	$	2,332	$	1,450

Summary of Significant Accounting Policies (Policies)	12 Months Ended
Summary of Significant Accounting Policies (Policies)	Dec. 31, 2025
Accounting Policies [Abstract]
Basis of Accounting	The accounting principles followed by United and the methods of applying these principles conform with GAAP and with general practices within the banking industry. The following is a description of the significant policies.
Organization and Basis of Presentation	Organization and Basis of Presentation The Holding Company is a bank holding company under the BHC Act and a financial holding company under the GLB Act. Financial holding company status allows for engagement in a broader range of financial activities. The Holding Company’s principal business is conducted by its wholly-owned commercial bank subsidiary, United Community Bank. United is subject to regulation under the BHC Act. In 2024, United moved its Holding Company headquarters from Blairsville, Georgia to Greenville, South Carolina. The Bank is headquartered in Greenville, South Carolina and is a South Carolina state-chartered bank subject to examination and reporting requirements of the SCBFI. The Bank serves both rural and metropolitan markets in Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama and provides a full range of banking services. In 2024, the Bank changed its primary federal regulator from the FDIC to the Federal Reserve. The Bank continues to be insured by the FDIC. The consolidated financial statements include the accounts of the Holding Company, the Bank and other wholly-owned subsidiaries. All significant intercompany accounts and transactions have been eliminated in consolidation.
Use of Estimates	Use of Estimates In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the balance sheet and revenue and expenses for the years then ended. Actual results could differ significantly from those estimates. Material estimates include the determination of the ACL and the valuation of acquired loans.
Operating Segments	Operating Segments Operating segments are components of a business about which separate financial information is available and evaluated regularly by the CODM in deciding how to allocate resources and assessing performance. Public companies are required to report certain financial information about operating segments in interim and annual financial statements. Management has determined that United has one reportable banking segment that encompasses its core banking activities. United’s banking operations are divided among geographic regions and local community banks within those regions. Those regions and banks have similar economic characteristics and products. The segment provides a wide range of financial products and services to the commercial, retail, governmental, educational, energy, health care and real estate sectors. This includes a variety of deposit products, secured and unsecured loans, mortgage loans, payment and commerce solutions, equipment finance services, wealth management, trust services, private banking, investment advisory services, insurance services, and other related financial services. These products and services are delivered through a variety of channels including branches, other offices, the internet, and mobile applications. The financial performance of the banking segment is reviewed by United’s CODM, its Chief Executive Officer. The CODM uses net income as reported on the consolidated statements of income to assess segment performance and determine how to allocate resources. Total assets as presented on the consolidated balance sheets is used to measure segment assets. The CODM reviews significant expense categories that materially align with those presented in the consolidated statements of income. United’s CODM uses net income to evaluate income generated from total assets, or return on assets. Net income is also used to monitor budget versus actual results, to assess internal financial forecasts and to benchmark performance to competitors.
Cash and Cash Equivalents	Cash and Cash Equivalents Cash equivalents include amounts due from banks, interest-bearing deposits in banks, federal funds sold, commercial paper, reverse repurchase agreements and short-term investments, and are carried at cost. Federal funds are generally sold for one-day periods, interest-bearing deposits in banks are available on demand and commercial paper investments and reverse repurchase agreements mature within a period of less than 90 days.
Investments and Equity investments	Investments Debt Securities: Debt securities are classified as HTM and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as AFS when they may be sold before maturity. AFS securities are carried at fair value, with unrealized holding gains and losses reported in OCI, net of tax. Interest income includes amortization of purchase premiums or discounts. Premiums and discounts on securities are generally amortized or accreted on the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Premiums on callable debt securities are amortized to their earliest call date. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Transfers of securities between categories are recorded at fair value at the date of transfer. Unrealized holding gains or losses associated with transfers of securities from AFS to HTM are included in the balance of AOCI in the consolidated balance sheets. These unrealized holding gains or losses are amortized/accreted into income over the remaining life of the security as an adjustment to the yield in a manner consistent with the amortization or accretion of the original purchase premium or discount on the associated security. A debt security is placed on nonaccrual status at the time any principal or interest payments become 90 days delinquent. Interest accrued but not received for a security placed on nonaccrual is reversed against interest income. Equity investments: Equity investments are included in other assets on the consolidated balance sheets. Those with readily determinable fair values are carried at fair value with changes in fair value recognized in other noninterest income. Those without readily determinable fair values include, among others, Federal Reserve stock, which is held as a requirement for member banks, and FHLB stock, which is held to meet FHLB requirements related to outstanding advances. These investments are accounted for using the cost method of accounting. As conditions warrant, management reviews investments for impairment and adjusts the carrying value of the investment if it is deemed to be impaired.
ACL - Held-to-Maturity Securities, Available-For-Sale Securities, and Off-Balance Sheet Credit Exposures	The CECL framework requires an estimate of expected credit losses for the remaining estimated life of the financial asset using historical experience, current conditions, and reasonable and supportable forecasts. The following discussion provides a description of the methodology applied to calculate the ACL under CECL. ACL - HTM Debt Securities: Management measures current expected credit losses on HTM debt securities on a collective basis by major security type, many of which qualify for a zero loss assumption. For those securities which do not qualify for a zero loss assumption, the estimate of current expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Management classifies the HTM portfolio into the following major security types: U.S. Treasuries, U.S. Government agencies and GSEs, state and political subdivisions, residential mortgage-backed, agency and GSEs, commercial mortgage-backed, agency and GSEs and supranational entities. Accrued interest receivable on HTM debt securities is excluded from the estimate of credit losses. All of the residential and commercial mortgage-backed securities held by United as HTM are issued by U.S. Government agencies and GSEs. These securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major rating agencies and have a long history of no credit losses. The state and political subdivision securities are highly rated by major rating agencies. ACL - AFS Debt Securities: For AFS debt securities in an unrealized loss position, United first assesses whether it intends to sell, or whether it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the security's amortized cost basis is written down to fair value through income. For AFS debt securities that do not meet the aforementioned criteria, United evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an ACL is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any amount of unrealized loss that has not been recorded through an ACL is recognized in OCI. Accrued interest receivable on AFS debt securities is excluded from the estimate of credit losses. Changes in the ACL are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the ACL when management believes the uncollectibility of an AFS security is confirmed or when either of the criteria regarding intent or requirement to sell is met. ACL - Off-Balance Sheet Credit Exposures Management estimates expected credit losses on commitments to extend credit over the contractual period during which United is exposed to credit risk on the underlying commitments. The ACL on off-balance sheet credit exposures is adjusted as a provision for credit loss expense. The estimate includes consideration of the likelihood that funding will occur and an estimate of expected credit losses on commitments expected to be funded over its estimated life. The ACL is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to fund.
Loans Held for Sale	Loans Held for Sale United has elected the fair value option for mortgage loans held for sale in order to reduce certain timing differences and match changes in fair values of the loans with changes in the fair value of derivative instruments used to economically hedge them.
Loans and Leases	Loans and Leases Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at amortized cost. Amortized cost is the principal balance outstanding, net of purchase premiums and discounts and deferred fees and costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income over the life of the loan. Equipment Financing Lease Receivables: Equipment financing lease receivables, which are classified as sales-type or direct financing leases, are recorded as the sum of the future minimum lease payments, initial deferred costs and, if applicable, estimated or contractual residual values less unearned income and security deposits. For lease receivables with a residual value, the determination of such value is derived from a variety of sources including equipment valuation services, appraisals, and publicly available market data on recent sales transactions on similar equipment. The length of time until contract termination, the cyclical nature of equipment values and the limited marketplace for re-sale of certain leased assets are important variables considered in making this determination. Interest income, which is included in loan interest revenue in the consolidated statements of income, is recognized as earned using the effective interest method. Direct fees and costs associated with the origination of leases are deferred and included as a component of equipment financing receivables. Net deferred fees or costs are recognized as an adjustment to interest income over the contractual life of the lease using the effective interest method. These lease agreements may include options to renew and for the lessee to purchase the leased equipment at the end of the lease term. United excludes sales tax from consideration in these lease contracts. PCD Loans: In acquisitions, United may acquire loans, some of which have experienced more than insignificant credit deterioration since origination. In those cases, United will consider internal loan grades, delinquency status and other relevant factors in assessing whether purchased loans are PCD. PCD loans are recorded at their fair value at the acquisition date. An initial ACL is determined using the same methodology as other loans held for investment and recognized as an adjustment to the acquisition price of the asset; thus, the sum of the loan's purchase price and ACL becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent to initial recognition, PCD loans are subject to the same interest income recognition and impairment model as non-PCD loans, with changes to the ACL recorded through provision expense. Nonaccrual Loans: The accrual of interest is generally discontinued when a loan becomes 90 days past due or when management believes, after considering economic and business conditions and collection efforts, that the principal or interest will not be collectable in the normal course of business. A loan may continue to accrue interest after 90 days if it is well collateralized and in the process of collection. Past due status is based on contractual terms of the loan. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for using the cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest payments are reflected as a reduction of the carrying amount of the loan and interest income is not recognized until the loan balance is reduced to zero. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current, there is a sustained period of repayment performance and future payments are reasonably assured. FDMs: A loan for which the terms have been modified as a result of the borrower experiencing financial difficulty is generally considered to be an FDM. Modified terms that result in a FDM include one or a combination of the following: a reduction of the stated interest rate of the loan, an extension of the amortization period, a more than insignificant payment delay or principal forgiveness. The ACL on FDMs is calculated using the same method as other loans held for investment.
Concentration of Credit Risk	Concentration of Credit Risk: Most of United’s business activity is with customers located within the markets where it has banking operations. Therefore, United’s exposure to credit risk is significantly affected by changes in the economy within its markets. Approximately 76% of United’s loan portfolio is secured by real estate and is therefore susceptible to changes in real estate valuations.
ACL - Loans	ACL - Loans The CECL framework requires an estimate of expected credit losses for the remaining estimated life of the financial asset using historical experience, current conditions, and reasonable and supportable forecasts. The following discussion provides a description of the methodology applied to calculate the ACL under the CECL model. The ACL is a valuation account that is deducted from the loans' amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the ACL when management believes the uncollectibility of a loan balance is confirmed. Accrued interest receivable is excluded from the estimate of credit losses. Accrued interest receivable is reversed against interest income in accordance with our nonaccrual loan policy when management believes it is uncollectible. See caption Nonaccrual Loans above for more detail. Management determines the ACL balance using relevant available information from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Historical credit behaviors along with model judgments provide the basis for the estimation of expected credit losses. Qualitative adjustments to modeled loss estimates may be made for differences in current loan-specific risk characteristics such as differences in underwriting standards, portfolio mix, delinquency level, or term as well as for changes in environmental conditions, such as changes in economic conditions, property values, or other relevant factors. For the majority of loans and leases, the ACL is calculated using a discounted cash flow methodology applied at a loan level with a one-year reasonable and supportable forecast period and a two-year straight-line reversion period. When the discounted cash flow method is used to determine the ACL, management adjusts the effective interest rate used to discount expected cash flows to incorporate expected prepayments. The ACL - loans is measured on a collective basis when similar risk characteristics exist. United has identified the following portfolio segments and calculates the ACL for each using a discounted cash flow methodology at the loan level, with loss rates, prepayment assumptions and curtailment assumptions driven by each loan’s purpose and collateral type: Owner occupied CRE - Loans in this category are susceptible to business failure and general economic conditions. Income producing CRE - Common risks for this loan category are declines in general economic conditions, declines in real estate value which may be caused by rapidly increasing interest rates or other factors, declines in occupancy rates, market-driven declines in rent rates and lack of suitable alternative use for the property. Commercial & industrial - Risks to this loan category include the inability to monitor the condition of the collateral, which often consists of inventory, accounts receivable and other non-real estate assets. Equipment and inventory obsolescence can also pose a risk. Declines in general economic conditions and other events can cause cash flows to fall to levels insufficient to service debt. Commercial construction & land - Risks common to this category of loans are cost overruns, changes in market demand for property, inadequate long-term financing arrangements and declines in real estate values which may be caused by rapidly increasing interest rates or other factors. Equipment financing - Risks associated with equipment financing are similar to those described for commercial and industrial loans, including general economic conditions, as well as appropriate lien priority on equipment, equipment obsolescence and the general mobility of the collateral. Residential mortgage - Residential mortgage loans are susceptible to weakening general economic conditions, increases in unemployment rates and declining real estate values which may be caused by rapidly increasing interest rates or other factors affecting demand for residential real estate. Home equity - Risks common to home equity loans and lines of credit are general economic conditions, including an increase in unemployment rates, and declining real estate values that reduce or eliminate the borrower’s home equity. Residential construction & land- Residential construction & land loans are susceptible to the same risks as residential mortgage loans. Changes in market demand for property lead to longer marketing times resulting in higher carrying costs and declining values. Manufactured housing - Risks associated with manufactured housing are similar to those described for residential mortgage loans, including general economic conditions and unemployment rates, as well as appropriate lien priority and the general mobility of the collateral as the majority of loans in this category are secured by chattel. During 2024, United sold substantially all of this portfolio. For the 2025 reporting period, these loans are included in the consumer category, since manufactured housing loans are no longer a significant component of loans. Consumer - Risks common to consumer direct loans include unemployment and changes in local economic conditions as well as the inability to monitor collateral consisting of personal property. When management determines that foreclosure is probable or when the borrower is experiencing financial difficulty at the reporting date and repayment is expected to be provided substantially through the operation or sale of the collateral, expected credit losses are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. Determining the Contractual Term: Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The contractual term excludes expected extensions, renewals, and modifications unless the extension or renewal options are included in the original or modified contract at the reporting date and are not unconditionally cancellable by United.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed primarily using the straight line method over the estimated useful lives of the related assets. Costs incurred for maintenance and repairs are expensed as incurred. The range of estimated useful lives for buildings and improvements is 10 to 40 years, for land improvements, 10 years, and for furniture and equipment, 3 to 10 years. United periodically reviews the carrying value of premises and equipment for impairment whenever events or circumstances indicate that the carrying amount of such assets may not be fully recoverable.
Foreclosed Properties (OREO) and Repossessed Assets	Foreclosed Properties (OREO) and Repossessed Assets Foreclosed property and repossessed assets are initially recorded at fair value, less cost to sell. If the fair value, less cost to sell at the time of foreclosure or repossession is less than the loan balance, the deficiency is recorded as a loan charge-off against the ACL. If the fair value, less cost to sell, of the foreclosed/repossessed property decreases during the holding period, a valuation allowance is established with a charge to operating expenses. When the foreclosed/repossessed property is sold, a gain or loss is recognized on the sale for the difference between the sales proceeds and the carrying amount of the property.
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets Goodwill is an intangible asset representing the future economic benefits from acquired businesses that are not represented by tangible assets that are individually identified and separately recognized. Goodwill is measured as the excess of the consideration transferred, net of the fair value of identifiable assets acquired and liabilities assumed at the acquisition date. Goodwill is not amortized, but instead is tested for impairment annually or more frequently if events or circumstances exist that indicate a goodwill impairment test should be performed. Other intangible assets, which are initially recorded at fair value, consist of core deposit intangibles resulting from acquisitions. Core deposit intangible assets are amortized over their estimated useful lives using the sum-of-the-years-digits method. Management evaluates other intangible assets for impairment whenever events or changes in circumstances indicate the carrying amount of the asset may not be recoverable.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from United, the transferee obtains the right, free of conditions that constrain it from taking advantage of that right, to pledge or exchange the transferred assets and United does not maintain effective control over the transferred assets through an agreement to repurchase them before maturity.
Servicing Rights	Servicing Rights United records servicing assets for SBA loans, USDA loans, and residential mortgage loans when the loan is sold but servicing is retained. This asset represents the right to service the loans and receive a fee in compensation. Servicing assets are initially recorded at their fair value as a component of the sale proceeds. The fair value of the servicing assets is based on an analysis of discounted cash flows that incorporates estimates of (1) market servicing costs, (2) market-based prepayment rates, and (3) market profit margins. Servicing assets are included in other assets. United has elected to subsequently measure the servicing assets for government guaranteed loans and residential mortgage loans at fair value. The rate of prepayment of loans serviced is the most significant estimate involved in the measurement process. Estimates of prepayment rates are based on market expectations of future prepayment rates, industry trends, and other considerations. Actual prepayment rates will differ from those projected by management due to changes in a variety of economic factors, including prevailing interest rates and the availability of alternative financing sources to borrowers. If actual prepayments of the loans being serviced were to occur more quickly than projected, the carrying value of servicing assets might have to be written down through a charge to earnings in the current period. If actual prepayments of the loans being serviced were to occur more slowly than had been projected, the carrying value of servicing assets could increase, and servicing income would exceed previously projected amounts. United accounts for the servicing liabilities associated with sold equipment financing loans using the amortization method. Servicing liabilities are included in accrued expenses and other liabilities.
BOLI	BOLI United has purchased life insurance policies on certain key executives and members of management. United has also received life insurance policies on members of acquired bank management teams and board members through acquisitions of other banks. BOLI is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other changes or other amounts due that are probable at settlement.
Operating Leases	Operating Leases United records a ROU asset, included in other assets, and a related lease liability, included in other liabilities, for eligible operating leases for which it is the lessee, which include leases for land, buildings, and equipment. At lease commencement, United records the ROU asset and related lease liability based on the present value of lease payments over the lease term. Absent a readily determinable interest rate in the lease agreement, United utilizes the Bank’s incremental borrowing rate for secured borrowings as the discount rate used in the present value calculation. Payments related to these leases consist primarily of base rent and, in the case of building leases, additional operating costs associated with the leased property such as common area maintenance and utilities. In most cases, these operating costs vary over the term of the lease, and therefore are classified as variable lease costs, which are recognized as incurred in the consolidated statements of income. In addition, certain operating leases include costs such as property taxes and insurance, which are recognized as incurred in the consolidated statements of income. Many of United’s operating leases contain renewal options, which are included in the measurement of the ROU asset and lease liability to the extent they are reasonably certain to be exercised. United does not recognize a lease liability or ROU asset on the consolidated balance sheet related to short-term leases with a term of less than one year. Lease payments for short-term leases are recognized as expense over the lease term. Operating lease costs, variable lease costs and short-term lease costs are included in occupancy expense and communications and equipment expense in the consolidated statements of income. United also subleases and leases certain real estate properties to third parties under operating leases. Income related to these leases is recognized when earned and included in other noninterest income in the consolidated statements of income.
Loan Commitments and Related Financial Instruments	Loan Commitments and Related Financial Instruments Financial instruments include off-balance sheet credit instruments such as commitments to make loans and commercial letters of credit issued to meet customer financing needs. The face amount for these items represents the exposure to loss before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded.
VIEs	VIEs United holds investments in certain legal entities that are considered VIEs. VIEs are legal entities in which equity investors do not have sufficient equity at risk for the entity to independently finance its activities, or as a group, the holders of the equity investment at risk lack the power through voting or similar rights to direct the activities of the entity that most significantly impact its economic performance, or do not have the obligation to absorb the expected losses of the entity or the right to receive expected residual returns of the entity. Consolidation of a VIE is required if a reporting entity is the primary beneficiary of the VIE. Investments in VIEs are evaluated to determine if United is the primary beneficiary. This evaluation gives appropriate consideration to the design of the entity and the variability that the entity was designed to create and pass along, the relative power of each party, and to United’s obligation to absorb losses or receive residual returns of the entity. United has variable interests in certain entities that are not required to be consolidated, including LIHTC, renewable energy and other partnership interests. Refer to Note 22, Commitments and Contingencies, for additional disclosures regarding United’s VIEs. With the exception of LIHTC and qualifying renewable energy partnerships, investments in entities for which United has the ability to exercise significant influence, but not control, over operating and financing decisions are accounted for using the equity method of accounting. Equity method investments are included in other assets in the consolidated balance sheets at cost, adjusted to reflect United’s portion of income, loss, or dividends of the investee. United records its portion of income or loss in other noninterest income in the consolidated statements of income. These investments are periodically evaluated for impairment. LIHTC and qualifying renewable energy investments are accounted for using the proportional amortization method, which results in the amortization being reported as a component of income tax expense. These investments are included in other assets. Obligations related to unfunded commitments for proportional amortization method investments are reported in other liabilities. Investment tax credits related to non-qualifying renewable energy partnerships are accounted for using the deferral method, such that the investment tax credits are recognized as a reduction to the related investment.
Revenue from Contracts with Customers	Revenue from Contracts with Customers In addition to lending and related activities, United offers various services to customers that generate revenue, certain of which are governed by ASC Topic 606 Revenue from Contracts with Customers. United’s services that fall within the scope of this topic are presented within noninterest income and include service charges and fees, wealth management fees, and other transaction-based fees. Revenue is recognized when the transactions occur or as services are performed over primarily monthly or quarterly periods. Payment is typically received in the period the transactions occur. Fees may be fixed or, where applicable, based on a percentage of transaction size.
Income Taxes	Income Taxes DTAs and DTLs are recorded for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Future tax benefits are recognized to the extent that realization of such benefits is more likely than not. DTAs and DTLs are measured using enacted tax rates expected to apply to taxable income in the years in which the assets and liabilities are expected to be recovered or settled. The effect of a change in tax rates on DTAs and DTLs is recognized in income tax expense during the period that includes the enactment date. In the event the future tax consequences of differences between the financial reporting bases and the tax bases of assets and liabilities results in DTAs, an evaluation of the probability of being able to realize the future benefits indicated by such asset is required. A valuation allowance is provided for the portion of the DTA when it is more likely than not that some or all of the DTA will not be realized. In assessing the realizability of the DTAs, management considers the scheduled reversals of DTLs, projected future taxable earnings and prudent and feasible tax planning strategies. Management weighs both the positive and negative evidence, giving more weight to evidence that can be objectively verified. The income tax benefit or expense is the total of the current year income tax due or refundable and the change in DTAs and DTLs. A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50 percent likely of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. United recognizes interest and penalties related to income tax matters in income tax expense.
Derivative Instruments and Hedging Activities	Derivative Instruments and Hedging Activities United’s interest rate risk management strategy incorporates the use of derivative instruments to minimize fluctuations in net income that are caused by interest rate volatility. The objective is to manage interest rate sensitivity by modifying the repricing or maturity characteristics of certain balance sheet assets and liabilities so that net interest revenue and certain interest sensitive components of noninterest revenue are not, on a material basis, adversely affected by movements in interest rates. United views this strategy as a prudent management of interest rate risk, such that net income is not exposed to undue risk presented by changes in interest rates. In conducting this part of its interest rate risk management strategy, management uses derivatives, primarily interest rate swaps and caps. Interest rate swaps generally involve the exchange of fixed- and variable-rate interest payments between two parties, based on a common notional principal amount and maturity date. By using derivative instruments, United is exposed to credit and market risk. If the counterparty fails to perform, credit risk is represented by the fair value gain in a derivative. When the fair value of a derivative contract is positive, this situation generally indicates that the counterparty is obligated to pay United, and, therefore, creates a repayment risk for United. When the fair value of a derivative contract is negative, United is obligated to pay the counterparty and, therefore, has no repayment risk. United minimizes the credit risk in non-customer derivative instruments by entering into transactions with high-quality counterparties that are reviewed periodically by management. United also requires non-customer counterparties to pledge cash as collateral to cover the net exposure. All new non-customer derivatives that can be cleared are cleared through a central clearinghouse, which reduces counterparty exposure. United classifies its derivative financial instruments as either (1) a hedge of an exposure to changes in the fair value of a recorded asset or liability (“fair value hedge”), (2) a hedge of an exposure to changes in the cash flows of a recognized asset, liability or forecasted transaction (“cash flow hedge”), or (3) derivatives not designated as accounting hedges. Changes in the fair value of derivatives not designated as hedges are recognized in current period earnings. United has master netting agreements with the derivatives dealers with which it does business, but, in accordance with its election not to offset, reflects gross assets and liabilities at fair value on the consolidated balance sheets. Fair Value Hedges of Interest Rate Risk: United is exposed to changes in the fair value of certain of its fixed-rate financial instruments due to changes in interest rates. At December 31, 2025 and 2024, United utilized interest rate swaps to manage its exposure to changes in fair value on certain of its fixed rate loans and AFS securities attributable to changes in interest rates. United considers these derivatives to be highly effective at achieving offsetting changes in fair value attributable to changes in interest rates. For derivatives designated and that qualify as fair value hedges, the gain or loss on the derivative as well as the offsetting loss or gain on the hedged item attributable to the hedged risk are recognized in earnings. United includes the gain or loss on the hedged items in the same income statement line item as the offsetting loss or gain on the related derivatives. Cash Flow Hedges of Interest Rate Risk: United enters into cash flow hedges to mitigate exposure to the variability of future cash flows or other forecasted transactions. At December 31, 2025 and 2024, United utilized interest rate caps and swaps to hedge the variability of cash flows due to changes in interest rates on certain of its variable-rate subordinated debt and trust preferred securities. United considers these derivatives to be highly effective at achieving offsetting changes in cash flows attributable to changes in interest rates. Therefore, changes in the fair value of these derivative instruments are recognized in OCI. Gains and losses related to changes in fair value are reclassified into earnings in the periods the hedged forecasted transactions occur. Losses representing amortization of the premium recorded on cash flow hedges, which is a component excluded from the assessment of effectiveness, are recognized in earnings on a straight-line basis in the same financial statement line as the hedged item over the term of the hedge. Derivatives Not Designated as Hedging Instruments: Customer derivative positions include swaps, caps, and collars between United and certain commercial loan customers with offsetting positions to dealers under a back-to-back program. United originates certain residential mortgage loans with the intention of selling these loans. Between the time United enters into an interest-rate lock commitment to originate a residential mortgage loan that is to be held for sale and the time the loan is funded and eventually sold, the Company is subject to the risk of variability in market prices. United also enters into forward sale agreements to mitigate risk and to protect the expected gain on the eventual loan sale. The commitments to originate residential mortgage loans and forward loan sales commitments are freestanding derivative instruments which are entered into as part of an economic hedging strategy to manage exposure related to mortgage loans held for sale. Fair value adjustments on these derivative instruments are recorded within mortgage loan gains and related fees in the consolidated statements of income. United also has interest rate swap contracts that are economic hedges of market-linked brokered certificates of deposit, but are not designated as hedging instruments. The market-linked brokered certificates of deposit contain embedded derivatives that are bifurcated from the host instruments and marked to market through earnings. The fair value marks on the market-linked swaps and the bifurcated embedded derivatives tend to move in opposite directions and therefore provide an economic hedge. In addition, United occasionally enters into credit risk participation agreements with counterparty banks to accept or transfer a portion of the credit risk related to interest rate swaps. These agreements, which are typically executed in conjunction with a participation in a loan with the same customer, allow customers to execute an interest rate swap with one bank while allowing for the distribution of the credit risk among participating members. These agreements provide for reimbursement of losses resulting from a third party default on the underlying swap. Collateral used to support the credit risk for the underlying lending relationship is also available to offset the risk of the credit risk participation. Hedge Effectiveness: United assesses hedge effectiveness at inception and over the life of the hedge. Management documents, at inception, its analysis of actual and expected hedge effectiveness. This analysis includes techniques such as regression analysis and hypothetical derivatives to demonstrate that the hedge is expected to be highly effective in offsetting corresponding changes in the fair value or cash flows of the hedged item. At least quarterly thereafter, the terms of the hedging instrument and the hedged item are assessed to determine whether a material change has occurred relating to the hedge relationship. If it is determined that a change has occurred, a quantitative analysis as described will occur to determine whether the hedge is expected to be highly effective in offsetting future corresponding changes in the fair value or cash flows of the hedged item. For a qualifying fair value hedge, the changes in the value of derivatives are recognized in current period earnings along with the corresponding changes in the fair value of the designated hedged item attributable to the risk being hedged. For a qualifying cash flow hedge, the changes in the fair value of the derivatives that have been highly effective are recognized in OCI until the related cash flows from the hedged item are recognized in earnings. For fair value hedges and cash flow hedges, ineffectiveness is recognized in the same income statement line as interest accruals on the hedged item to the extent that changes in the value of the derivative instruments do not perfectly offset changes in the value of the hedged items. If the hedge ceases to be highly effective, United discontinues hedge accounting and recognizes the changes in fair value in current period earnings. If a derivative that qualifies as a fair value or cash flow hedge is terminated or the designation removed, the realized or then unrealized gain or loss is recognized into income over the life of the hedged item (fair value hedge) or over the time when the hedged item was forecasted to impact earnings (cash flow hedge). Immediate recognition in earnings is required upon sale or extinguishment of the hedged item (fair value hedge) or if it is probable that the hedged cash flows will not occur (cash flow hedge).
Acquisition Activities	Acquisition Activities United accounts for business combinations under the acquisition method of accounting. Assets acquired and liabilities assumed are measured and recorded at fair value at the date of acquisition, including identifiable intangible assets. If the fair value of net assets purchased exceeds the fair value of consideration paid, a bargain purchase gain is recognized at the date of acquisition. Conversely, if the consideration paid exceeds the fair value of the net assets acquired, goodwill is recognized at the acquisition date. Fair values are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available. Fair values for acquired loans are generally based on a discounted cash flow methodology that considers credit loss expectations, market interest rates and other market factors such as liquidity from the perspective of a market participant. Loans are grouped together according to similar characteristics and are generally treated in the aggregate when applying various valuation techniques. The probability of default, loss given default and prepayment assumptions are the key factors driving credit losses which are embedded into the estimated cash flows. These assumptions are informed by internal data on loan characteristics, historical loss experience, and current and forecasted economic conditions. The interest and liquidity component of the estimate is determined by discounting interest and principal cash flows through the expected life of each loan. The discount rates used for loans are based on current market rates for new originations of comparable loans and include adjustments for liquidity. The discount rate does not include a factor for credit losses as that has been included as a reduction to the estimated cash flows. For additional information about the accounting for purchased loans see PCD Loans under the Loans and Leases section of this footnote. All identifiable intangible assets that are acquired in a business combination are recognized at fair value on the acquisition date. Identifiable intangible assets are recognized separately if they arise from contractual or other legal rights or if they are separable (i.e., capable of being sold, transferred, licensed, rented, or exchanged separately from the entity). Deposit liabilities and the related depositor relationship intangible assets may be exchanged in observable exchange transactions. As a result, the depositor relationship intangible asset is considered identifiable, because the separability criterion has been met.
Earnings Per Common Share	Earnings Per Common Share Basic earnings per common share is net income available to common shareholders divided by the weighted average number of shares of common stock outstanding during the period. Shares issuable to participants in United’s deferred compensation plan are included as outstanding shares for purposes of calculating earnings per share. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation. Accordingly, net income available to common shareholders is calculated pursuant to the two-class method, whereby net income after adjusting for preferred stock dividends and any discount or premium on preferred shares repurchased or redeemed is allocated between common shareholders and participating securities. Diluted earnings per common share includes the dilutive effect of additional potential shares of common stock issuable under stock options and unvested restricted stock units without nonforfeitable rights to dividends.
Loss Contingencies	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not believe there are such matters that will have a material effect on the financial statements.
Dividend Restrictions	Dividend Restrictions Banking regulations require maintaining certain capital levels and may limit dividends paid by the Bank to the Holding Company or by the Holding Company to shareholders. As a South Carolina state-chartered bank, the Bank is permitted to pay a dividend of up to 100% of its current year earnings without requesting approval of the SCBFI, provided certain conditions are met. As a Federal Reserve member bank, the Bank is permitted to pay a dividend to the Holding Company of up to the sum of current year and the previous two years undistributed income without requesting approval of the Federal Reserve, which is less restrictive than the requirements of the SCBFI.
Fair Value of Financial Instruments	Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions as more fully disclosed in Note 14. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates. Fair value measurements are determined based on the assumptions that market participants would use in pricing the asset or liability. As a basis for considering market participant assumptions in fair value measurements, United uses a fair value hierarchy that distinguishes between market participant assumptions based on market data obtained from sources independent of the reporting entity (observable inputs that are classified within Levels 1 and 2 of the hierarchy) and the reporting entity’s own assumptions about market participant assumptions (unobservable inputs classified within Level 3 of the hierarchy). United has processes in place to review the significant valuation inputs and to reassess how the instruments are classified in the valuation framework. Fair Value Hierarchy Level 1 Valuation is based upon quoted prices (unadjusted) in active markets for identical assets or liabilities that United has the ability to access. Level 2 Valuation is based upon quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates, and yield curves that are observable at commonly quoted intervals. Level 3 Valuation is generated from model-based techniques that use at least one significant assumption based on unobservable inputs for the asset or liability, which are typically based on an entity’s own assumptions, as there is little, if any, related market activity. In instances where the determination of the fair value measurement is based on inputs from different levels of the fair value hierarchy, the level in the fair value hierarchy within which the entire fair value measurement falls is based on the lowest level input that is significant to the fair value measurement in its entirety. United’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability. The following is a description of the valuation methodologies used for assets and liabilities recorded at fair value. Investment Securities AFS debt securities and equity securities with readily determinable fair values are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the NYSE, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds, corporate debt securities and asset-backed securities and are valued based on observable inputs that include: quoted market prices for similar assets, quoted market prices that are not in an active market or other inputs that are observable in the market and can be corroborated by observable market data for substantially the full term of the securities. Securities classified as Level 3 include those traded in less liquid markets and are valued based on estimates obtained from broker-dealers that are not directly observable. Mutual Funds and Deferred Compensation Plan Liabilities Included in other assets in the consolidated balance sheets are mutual funds and other investments used to hedge the valuation risk of unfunded employee deferred compensation plans. The mutual funds and other investments are purchased to match deferred compensation plan participants’ investment elections and are valued at the daily closing price as reported by the fund. The mutual funds are open-end funds that publish their daily net asset value (“NAV”) and transact at that price and are thus classified as Level 1. Other investments in this category are classified as Level 2. Deferred compensation liabilities, also classified as Level 1 or Level 2 depending on the related investment, are carried at the fair value of the obligation to the employee and are included in other liabilities in the consolidated balance sheet. Mortgage Loans Held for Sale United has elected the fair value option for newly originated mortgage loans held for sale in order to reduce certain timing differences and better match changes in fair values of the loans with changes in the value of derivative instruments used to economically hedge them. The fair value of mortgage loans held for sale is determined using quoted prices for a similar asset, adjusted for specific attributes of that loan and are classified as Level 2. Derivative Financial Instruments United uses derivatives to manage interest rate risk. The valuation of these instruments is typically determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including interest rate curves and implied volatilities. The fair values of interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash receipts and the discounted expected variable cash payments. The variable cash payments are based on an expectation of future interest rates (forward curves) derived from observable market interest rate curves. United also uses best effort and mandatory delivery forward loan sale commitments to hedge risk in its mortgage lending business. United incorporates CVAs as necessary to appropriately reflect the respective counterparty’s nonperformance risk in the fair value measurements. In adjusting the fair value of its derivative contracts for the effect of nonperformance risk, United has considered the effect of netting and any applicable credit enhancements, such as collateral postings, thresholds and guarantees. Management has determined that the majority of the inputs used to value its derivatives fall within Level 2 of the fair value hierarchy. However, the CVAs associated with these derivatives utilize Level 3 inputs, such as estimates of current credit spreads, to evaluate the likelihood of default by itself and its counterparties. Generally, management’s assessment of the significance of the CVAs has indicated that they are not a significant input to the overall valuation of the derivatives. In cases where management’s assessment indicates that the CVA is a significant input, the related derivative is disclosed as a Level 3 value. In other cases, derivatives are categorized as Level 3 when there is not an observable forward-rate curve available for the duration of the contract. Other derivatives classified as Level 3 include structured derivatives for which broker quotes, used as a key valuation input, were not observable. Risk participation agreements are classified as Level 3 instruments due to the incorporation of significant Level 3 inputs used to evaluate the probability of funding and the likelihood of customer default. Interest rate lock commitments, which relate to mortgage loan commitments, are categorized as Level 3 instruments as the fair value of these instruments is based on unobservable inputs for commitments that United does not expect to fund. Contingent Consideration Receivable As part of the FinTrust sale in 2024, United recognized a receivable for contingent consideration. The contingent consideration receivable is measured at fair value using a probability-weighted discounted cash flow approach which includes significant unobservable inputs classified within Level 3 of the fair value hierarchy. Servicing Rights for Residential Mortgage and SBA/USDA Loans United recognizes servicing rights upon the sale of residential mortgage and SBA/USDA loans sold with servicing retained. Management has elected to carry these assets at fair value. Given the nature of the assets, the key valuation inputs, such as prepayment speeds and discount rates, are unobservable and management considers these Level 3 assets. For disclosure regarding the fair value of servicing rights, see Note 10.
Stock-Based Compensation	Stock-Based Compensation United uses the fair value method of recognizing expense for stock-based compensation based on the fair value of option and restricted stock unit awards at the date of grant. United accounts for forfeitures as they occur.
Recently Adopted Standards and Accounting Standards Updates Not Yet Adopted	Recently Adopted Standards In August 2023, the FASB issued ASU No. 2023-05, Business Combinations - Joint Venture Formations (Subtopic 805-60): Recognition and Initial Measurement. The update addresses the accounting for contributions made to a joint venture, upon formation, in a joint venture’s separate financial statements. Specifically, a joint venture must apply a new basis of accounting upon formation and will initially measure its assets and liabilities at fair value. This guidance is effective prospectively for all joint venture formations dated on or after January 1, 2025. Adoption of this update as of January 1, 2025 did not have a material impact on the consolidated financial statements. In December 2023, the FASB issued ASU No. 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. The update requires disclosure of specific categories in the rate reconciliation and information for reconciling items that meet a quantitative threshold. In addition, the update requires disaggregated disclosure of income taxes paid and income tax expense by jurisdiction. This guidance is effective for annual periods beginning after December 15, 2024. Adoption of this update as of January 1, 2025 did not have a material impact on the consolidated financial statements; see Note 19 for disclosures required by this update. Accounting Standards Updates Not Yet Adopted as of December 31, 2025 In November 2024, the FASB issued ASU No. 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures (Subtopic 220-40), further clarified by ASU No. 2025-01. The update requires disclosure of specified information about certain expenses, including: employee compensation, depreciation and intangible asset amortization included in each relevant expense caption. The update also requires disclosure of certain other expenses, gains and losses that are already required to be disclosed in the same disclosure as other disaggregation requirements. This guidance is effective for annual periods beginning after December 15, 2026 and interim reporting periods beginning after December 15, 2027. United does not expect the new guidance to have a material impact on its consolidated financial statements. In November 2025, the FASB issued ASU 2025-08, Financial Instruments—Credit Losses (Topic 326):Purchased Loans. The update expands the population of acquired financial assets subject to the gross-up approach in Topic 326 to include acquired seasoned loans without credit deterioration (excluding credit cards). This guidance is effective for annual periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods with early adoption permitted. The amendments in this update are to be applied prospectively to loans that are acquired on or after the initial application date. United adopted this update January 1, 2026 and will implement the guidance upon the occurrence of a future acquisition transaction. In November 2025, the FASB issued ASU 2025-09, Derivatives and Hedging (Topic 815): Hedge Accounting Improvements. The update clarifies hedge accounting guidance and addresses issues arising from the global reference rate reform initiative. There are five issues addressed: 1) expanding risks permitted to be aggregated for cash flow hedges to include those having a similar risk exposure; 2) provide cash flow accounting guidance on choose-your-rate debt instruments; 3) expand hedge accounting for forecasted purchases and sales of nonfinancial assets; 4) update guidance on net written options as hedging instruments; 5) refine foreign-currency-denominated debt instrument as hedging instrument and hedged item (dual hedge). This guidance is effective for annual periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. The amendments in this update are to be applied on a prospective basis. United does not expect the new guidance to have a material impact on its consolidated financial statements. In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements. The update provides a comprehensive list of interim disclosures that are required by GAAP to provide clarity about the current requirements. The update also includes a disclosure principle that requires entities to disclose events since the end of the last annual reporting period that have a material impact on the entity. This guidance is effective for interim reporting periods within annual reporting periods beginning after December 15, 2027. Early adoption is permitted. The amendments in this update can be applied prospectively or retrospectively. United does not expect the new guidance to have a material impact on its consolidated financial statements.

Servicing Assets and Liabilities - Schedule of Changes In Residential Mortgage Servicing Rights (Details) - Residential Mortgage [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Servicing Rights Roll Forward
Beginning of period	$ 39,294	$ 35,897	$ 36,559
Originated servicing rights capitalized upon sale of loans	5,368	4,190	3,217
Disposals	(2,196)	(2,159)	(1,926)
Changes in fair value due to change in inputs or assumptions used in the valuation	935	2,861	(1,953)
Changes in fair value due to decay, passage of time and other	(2,170)	(1,495)
End of period	$ 41,231	$ 39,294	$ 35,897

- Definition

Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 45
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481260/860-50-45-2

+ Details

Reclassifications Out of AOCI (Tables)

12 Months Ended

Dec. 31, 2025

Equity [Abstract]

Schedule of Reclassifications Out of AOCI

The following presents the details regarding amounts reclassified out of AOCI. Amounts shown above in parentheses reduce earnings.


(in thousands)	Amounts Reclassified from AOCI For the Years Ended December 31,
Details about AOCI Components							Affected Line Item in the Statement Where Net Income is Presented
	2025		2024		2023

Realized gains (losses) on AFS securities:
	$	352	$	(3,316)	$	(53,333)	Securities gains (losses), net
	(85)		837		13,575		Income tax expense
	$	267	$	(2,479)	$	(39,758)	Net of tax

Amortization of unrealized losses on HTM securities transferred from AFS:
	$	(7,715)	$	(8,737)	$	(10,203)	Investment securities interest revenue
	893		2,188		2,452		Income tax expense
	$	(6,822)	$	(6,549)	$	(7,751)	Net of tax

Gains on derivative instruments accounted for as cash flow hedges:

Interest rate contracts	$	4,422	$	5,557	$	4,719	Long-term debt interest expense
	(1,117)		(1,408)		(1,205)		Income tax expense
	$	3,305	$	4,149	$	3,514	Net of tax




Amortization of defined benefit pension plan net periodic pension cost components:
Prior service cost	$	(100)	$	(179)	$	(244)	Salaries and employee benefits expense
Actuarial gains	169		—		—		Other expense

	69		(179)		(244)		Total before tax
	(17)		45		62		Income tax expense
	$	52	$	(134)	$	(182)	Net of tax

Total reclassifications for the period	$	(3,198)	$	(5,013)	$	(44,177)	Net of tax

Reclassifications Out of AOCI

12 Months Ended

Dec. 31, 2025

Equity [Abstract]

Reclassifications Out of AOCI

The following presents the details regarding amounts reclassified out of AOCI. Amounts shown above in parentheses reduce earnings.


(in thousands)	Amounts Reclassified from AOCI For the Years Ended December 31,
Details about AOCI Components							Affected Line Item in the Statement Where Net Income is Presented
	2025		2024		2023

Realized gains (losses) on AFS securities:
	$	352	$	(3,316)	$	(53,333)	Securities gains (losses), net
	(85)		837		13,575		Income tax expense
	$	267	$	(2,479)	$	(39,758)	Net of tax

Amortization of unrealized losses on HTM securities transferred from AFS:
	$	(7,715)	$	(8,737)	$	(10,203)	Investment securities interest revenue
	893		2,188		2,452		Income tax expense
	$	(6,822)	$	(6,549)	$	(7,751)	Net of tax

Gains on derivative instruments accounted for as cash flow hedges:

Interest rate contracts	$	4,422	$	5,557	$	4,719	Long-term debt interest expense
	(1,117)		(1,408)		(1,205)		Income tax expense
	$	3,305	$	4,149	$	3,514	Net of tax




Amortization of defined benefit pension plan net periodic pension cost components:
Prior service cost	$	(100)	$	(179)	$	(244)	Salaries and employee benefits expense
Actuarial gains	169		—		—		Other expense

	69		(179)		(244)		Total before tax
	(17)		45		62		Income tax expense
	$	52	$	(134)	$	(182)	Net of tax

Total reclassifications for the period	$	(3,198)	$	(5,013)	$	(44,177)	Net of tax

Loans and Leases and Allowance for Credit Losses - Loans Modified Under the Terms of FDM (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	$ 22,027	$ 72,110
Loans Receivable
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	22,027	72,110	$ 154,689
Loans Receivable \| Current Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	12,470	54,423
Loans Receivable \| Loans Past Due, 30 - 59 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	884	553
Loans Receivable \| Loans Past Due, 60 - 89 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	798	418
Loans Receivable \| Loans Past Due, > 90 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	0
Loans Receivable \| Financial Asset, Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	7,875	16,716
Loans Receivable \| Commercial
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost			153,297
Loans Receivable \| Commercial \| Owner occupied CRE
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	3,702	3,837
Loans Receivable \| Commercial \| Owner occupied CRE \| Current Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		688
Loans Receivable \| Commercial \| Owner occupied CRE \| Loans Past Due, 30 - 59 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		245
Loans Receivable \| Commercial \| Owner occupied CRE \| Loans Past Due, 60 - 89 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		418
Loans Receivable \| Commercial \| Owner occupied CRE \| Loans Past Due, > 90 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		0
Loans Receivable \| Commercial \| Owner occupied CRE \| Financial Asset, Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		2,351
Loans Receivable \| Commercial \| Income producing CRE
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	33,525	83,924
Loans Receivable \| Commercial \| Income producing CRE \| Current Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		25,204
Loans Receivable \| Commercial \| Income producing CRE \| Loans Past Due, 30 - 59 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		0
Loans Receivable \| Commercial \| Income producing CRE \| Loans Past Due, 60 - 89 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		0
Loans Receivable \| Commercial \| Income producing CRE \| Loans Past Due, > 90 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		0
Loans Receivable \| Commercial \| Income producing CRE \| Financial Asset, Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		8,321
Loans Receivable \| Commercial \| Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	456	22,682	46,960
Loans Receivable \| Commercial \| Commercial & industrial \| Current Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	456	20,123
Loans Receivable \| Commercial \| Commercial & industrial \| Loans Past Due, 30 - 59 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	0
Loans Receivable \| Commercial \| Commercial & industrial \| Loans Past Due, 60 - 89 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	0
Loans Receivable \| Commercial \| Commercial & industrial \| Loans Past Due, > 90 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	0
Loans Receivable \| Commercial \| Commercial & industrial \| Financial Asset, Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	2,559
Loans Receivable \| Commercial \| Equipment financing
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	13,611	7,796	18,143
Loans Receivable \| Commercial \| Equipment financing \| Current Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	10,850	6,673
Loans Receivable \| Commercial \| Equipment financing \| Loans Past Due, 30 - 59 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	884	162
Loans Receivable \| Commercial \| Equipment financing \| Loans Past Due, 60 - 89 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	798	0
Loans Receivable \| Commercial \| Equipment financing \| Loans Past Due, > 90 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	0
Loans Receivable \| Commercial \| Equipment financing \| Financial Asset, Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	1,079	961
Loans Receivable \| Commercial \| Commercial construction and land
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost			433
Loans Receivable \| Residential \| Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	7,018	4,103	1,092
Loans Receivable \| Residential \| Residential mortgage \| Current Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	1,012	1,735
Loans Receivable \| Residential \| Residential mortgage \| Loans Past Due, 30 - 59 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	22
Loans Receivable \| Residential \| Residential mortgage \| Loans Past Due, 60 - 89 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	0
Loans Receivable \| Residential \| Residential mortgage \| Loans Past Due, > 90 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	0
Loans Receivable \| Residential \| Residential mortgage \| Financial Asset, Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	6,006	2,346
Loans Receivable \| Residential \| Manufactured housing
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0	302	254
Loans Receivable \| Residential \| Manufactured housing \| Current Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		0
Loans Receivable \| Residential \| Manufactured housing \| Loans Past Due, 30 - 59 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		124
Loans Receivable \| Residential \| Manufactured housing \| Loans Past Due, 60 - 89 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		0
Loans Receivable \| Residential \| Manufactured housing \| Loans Past Due, > 90 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		0
Loans Receivable \| Residential \| Manufactured housing \| Financial Asset, Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost		178
Loans Receivable \| Residential \| Commercial construction and land
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost			$ 46
Loans Receivable \| Residential \| Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	847	0
Loans Receivable \| Residential \| Home equity \| Current Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	152
Loans Receivable \| Residential \| Home equity \| Loans Past Due, 30 - 59 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0
Loans Receivable \| Residential \| Home equity \| Loans Past Due, 60 - 89 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0
Loans Receivable \| Residential \| Home equity \| Loans Past Due, > 90 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0
Loans Receivable \| Residential \| Home equity \| Financial Asset, Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	695
Loans Receivable \| Consumer Portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	95	$ 0
Loans Receivable \| Consumer Portfolio \| Current Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0
Loans Receivable \| Consumer Portfolio \| Loans Past Due, 30 - 59 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0
Loans Receivable \| Consumer Portfolio \| Loans Past Due, 60 - 89 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0
Loans Receivable \| Consumer Portfolio \| Loans Past Due, > 90 Days
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	0
Loans Receivable \| Consumer Portfolio \| Financial Asset, Nonaccrual
Financing Receivable, Credit Quality Indicator [Line Items]
Amortized cost	$ 95

Fair Value Measurements (Tables)

12 Months Ended

Dec. 31, 2025

Fair Value Disclosures [Abstract]

Schedule of Assets and Liabilities Measured at Fair Value on a Recurring Basis

The table below presents United’s assets and liabilities measured at fair value on a recurring basis, aggregated by the level in the fair value hierarchy within which those measurements fall:


(in thousands)
December 31, 2025	Level 1		Level 2		Level 3		Total
Assets:
AFS debt securities:
U.S. Treasuries	$	493,755	$	—	$	—	$	493,755
U.S. Government agencies & GSEs	—		298,350		—		298,350
State and political subdivisions	—		154,883		—		154,883
Residential MBS	—		1,690,332		—		1,690,332
Commercial MBS	—		692,087		—		692,087
Corporate bonds	—		136,176		492		136,668
Asset-backed securities	—		284,788		—		284,788
Equity securities with readily determinable fair values	—		2,481		—		2,481
Mortgage loans held for sale	—		39,381		—		39,381
Mutual funds and other investments	16,343		140		—		16,483
Servicing rights for SBA/USDA loans	—		—		4,880		4,880
Residential mortgage servicing rights	—		—		41,231		41,231
Contingent consideration receivable	—		—		7,195		7,195
Derivative financial instruments	—		27,231		8,082		35,313
Total assets	$	510,098	$	3,325,849	$	61,880	$	3,897,827

Liabilities:
Deferred compensation plan liability	$	16,345	$	140	$	—	$	16,485
Derivative financial instruments	—		44,507		8,490		52,997
Total liabilities	$	16,345	$	44,647	$	8,490	$	69,482


(in thousands)
December 31, 2024	Level 1		Level 2		Level 3		Total
Assets:
AFS debt securities:
U.S. Treasuries	$	503,669	$	—	$	—	$	503,669
U.S. Government agencies & GSEs	—		320,267		—		320,267
State and political subdivisions	—		158,232		—		158,232
Residential MBS	—		2,229,959		—		2,229,959
Commercial MBS	—		822,897		—		822,897
Corporate bonds	—		150,394		2,226		152,620
Asset-backed securities	—		248,647		—		248,647
Equity securities with readily determinable fair values	—		2,341		—		2,341
Mortgage loans held for sale	—		57,534		—		57,534
Mutual funds	15,335		—		—		15,335
Servicing rights for SBA/USDA loans	—		—		4,697		4,697
Residential mortgage servicing rights	—		—		39,294		39,294
Contingent consideration receivable	—		—		7,470		7,470
Derivative financial instruments	—		35,227		11,656		46,883
Total assets	$	519,004	$	4,025,498	$	65,343	$	4,609,845

Liabilities:
Deferred compensation plan liability	$	15,331	$	—	$	—	$	15,331
Derivative financial instruments	—		65,548		12,286		77,834
Total liabilities	$	15,331	$	65,548	$	12,286	$	93,165

Schedule of Assets Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs

The following table shows a reconciliation of the beginning and ending balances for all other assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs that are classified as Level 3 values:


(in thousands)	Derivative Asset		Derivative Liability		Corporate Bonds		Contingent consideration receivable
December 31, 2022	$	11,513	$	12,840	$	2,212	$	—


Additions	—		241		—		—
Sales and settlements	(11)		—		—		—
Fair value adjustments included in OCI	—		—		(7)		—
Fair value adjustments included in earnings	(860)		(1,909)		—		—
December 31, 2023	10,642		11,172		2,205		—
Transfers from Level 3 (1)	—		(16)		—
Transfers from Level 2 (1)	484		925		—		—
Additions	4,819		58		—		7,623
Sales and settlements	(5,834)		(393)		—		(153)
Fair value adjustments included in OCI	—		—		21		—
Fair value adjustments included in earnings	1,545		540		—		—
December 31, 2024	11,656		12,286		2,226		7,470



Additions	5,423		321		—		—
Sales and settlements	(5,219)		—		(1,750)		(283)
Fair value adjustments included in OCI	—		—		16		—
Fair value adjustments included in earnings	(3,778)		(4,117)		—		8
December 31, 2025	$	8,082	$	8,490	$	492	$	7,195

Schedule of Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs


(in thousands)	Derivative Asset		Derivative Liability		Corporate Bonds		Contingent consideration receivable
December 31, 2022	$	11,513	$	12,840	$	2,212	$	—


Additions	—		241		—		—
Sales and settlements	(11)		—		—		—
Fair value adjustments included in OCI	—		—		(7)		—
Fair value adjustments included in earnings	(860)		(1,909)		—		—
December 31, 2023	10,642		11,172		2,205		—
Transfers from Level 3 (1)	—		(16)		—
Transfers from Level 2 (1)	484		925		—		—
Additions	4,819		58		—		7,623
Sales and settlements	(5,834)		(393)		—		(153)
Fair value adjustments included in OCI	—		—		21		—
Fair value adjustments included in earnings	1,545		540		—		—
December 31, 2024	11,656		12,286		2,226		7,470



Additions	5,423		321		—		—
Sales and settlements	(5,219)		—		(1,750)		(283)
Fair value adjustments included in OCI	—		—		16		—
Fair value adjustments included in earnings	(3,778)		(4,117)		—		8
December 31, 2025	$	8,082	$	8,490	$	492	$	7,195

Schedule of Quantitative Information About Level 3 Fair Value Measurements for Fair Value on a Recurring Basis

Level 3 Assets and Liabilities

Valuation Technique

December 31,

Significant Unobservable Inputs

2025

2024

Range

Weighted Average

Range

Weighted Average

Derivative assets - mortgage

Internal model

Pull through rate

60.0% - 100%

91.6%

70.4% - 100%

91.6%

Derivative assets & liabilities - other

Dealer priced

N/A

Contingent consideration receivable

Discounted cash flow

Discount rate

6.7 - 6.7

6.7

0.0-7.1

6.4

Probability of achievement

82.6 - 100

88.2

89.3 - 100.0

92.6

Schedule of Loans Held for Sale at Fair Value Under the Fair Value Option

The following tables present the fair value and outstanding principal balance of loans accounted for under the fair value option, as well as the gain or loss recognized from the change in fair value for the periods indicated.


	Mortgage Loans Held for Sale
	December 31,
(in thousands)	2025		2024
Outstanding principal balance	$	38,187	$	56,097
Fair value	39,381		57,534


(in thousands)	Amount of Gain (Loss) Recognized on Mortgage Loans Held for Sale
Location	2025		2024		2023
Mortgage loan gains and other related fees	$	(243)	$	217	$	900

Schedule of Presentation of Assets Measured at Fair Value on Nonrecurring Basis


(in thousands)
December 31, 2025	Level 1		Level 2		Level 3		Total
Loans held for investment	$	—	$	—	$	19,216	$	19,216


December 31, 2024
Loans held for investment	$	—	$	—	$	27,313	$	27,313

Schedule of Carrying Amount and Fair Values for Other Financial Instruments that are not Measured at Fair Value on a Recurring Basis

The carrying amount and fair values for other financial instruments that are not measured at fair value on a recurring basis in United’s consolidated balance sheets are as follows:


(in thousands)	Carrying Amount		Fair Value Level
December 31, 2025			Level 1		Level 2		Level 3		Total
Assets:
HTM debt securities	$	2,237,356	$	19,039	$	1,899,387	$	—	$	1,918,426
Loans, net	19,173,888		—		—		18,651,481		18,651,481

Liabilities:
Deposits	23,798,430		—		23,790,107		—		23,790,107

Long-term debt	120,400		—		—		120,279		120,279

December 31, 2024
Assets:
HTM debt securities	$	2,368,107	$	18,162	$	1,925,964	$	—	$	1,944,126
Loans, net	17,968,982		—		—		17,325,630		17,325,630

Liabilities:
Deposits	23,460,975		—		23,453,487		—		23,453,487
Long-term debt	254,152		—		—		248,657		248,657

- Definition

Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset.

+ References + Details

Loans and Leases and Allowance for Credit Losses - Schedule of Risk Category of Term Loans by Vintage Year (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 19,384,317	$ 18,175,980
Current period gross charge-offs, Total	55,787	71,170	$ 67,999
Commercial \| Owner occupied CRE
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	886,895	459,626
Originated in prior year	469,361	559,692
Originated two years prior	503,173	672,464
Originated three years prior	643,709	580,228
Originated four years prior	531,010	522,160
Originated five or more years prior	763,256	454,747
Revolvers	129,521	127,040
Revolvers converted to term loans	22,973	22,260
Total loans	3,949,898	3,398,217
Current period gross charge-offs, in current fiscal year	0	0
Current period gross charge-offs, in prior year	185	0
Current period gross charge-offs, two years prior	1,905	221
Current period gross charge-offs, three years prior	2,162	0
Current period gross charge-offs, four years prior	0	0
Current period gross charge-offs, five or more years prior	942	707
Revolvers	0	0
Revolvers converted to term loans	0	0
Current period gross charge-offs, Total	5,194	928
Commercial \| Owner occupied CRE \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	882,017	455,248
Originated in prior year	459,608	540,913
Originated two years prior	468,682	621,020
Originated three years prior	587,671	555,846
Originated four years prior	505,329	507,121
Originated five or more years prior	733,146	425,932
Revolvers	122,462	120,574
Revolvers converted to term loans	22,745	21,867
Total loans	3,781,660	3,248,521
Commercial \| Owner occupied CRE \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	1,721	1,093
Originated in prior year	1,341	13,414
Originated two years prior	14,369	13,653
Originated three years prior	24,247	14,735
Originated four years prior	18,972	6,520
Originated five or more years prior	7,656	6,496
Revolvers	4,176	4,995
Revolvers converted to term loans	228	393
Total loans	72,710	61,299
Commercial \| Owner occupied CRE \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	3,157	3,285
Originated in prior year	8,412	5,365
Originated two years prior	20,122	37,791
Originated three years prior	31,791	9,647
Originated four years prior	6,709	8,519
Originated five or more years prior	22,454	22,319
Revolvers	2,883	1,471
Revolvers converted to term loans	0	0
Total loans	95,528	88,397
Commercial \| Income producing CRE
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	939,759	544,536
Originated in prior year	471,176	516,291
Originated two years prior	566,546	1,014,855
Originated three years prior	1,232,685	902,231
Originated four years prior	837,582	657,207
Originated five or more years prior	906,972	659,770
Revolvers	64,799	51,005
Revolvers converted to term loans	12,823	15,025
Total loans	5,032,342	4,360,920
Commercial \| Income producing CRE \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	916,381	468,247
Originated in prior year	430,561	477,887
Originated two years prior	541,924	977,090
Originated three years prior	1,107,955	896,096
Originated four years prior	812,859	614,584
Originated five or more years prior	863,815	606,395
Revolvers	62,677	50,955
Revolvers converted to term loans	12,714	15,025
Total loans	4,748,886	4,106,279
Commercial \| Income producing CRE \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	13,726	16,852
Originated in prior year	14,176	2,145
Originated two years prior	2,144	21,007
Originated three years prior	123,531	2,724
Originated four years prior	7,769	3,538
Originated five or more years prior	6,341	10,465
Revolvers	0	50
Revolvers converted to term loans	109	0
Total loans	167,796	56,781
Current period gross charge-offs, in current fiscal year	0	0
Current period gross charge-offs, in prior year	0	3,128
Current period gross charge-offs, two years prior	0	0
Current period gross charge-offs, three years prior	1,970	0
Current period gross charge-offs, four years prior	0	0
Current period gross charge-offs, five or more years prior	0	1,691
Revolvers	0	0
Revolvers converted to term loans	0	0
Current period gross charge-offs, Total	1,970	4,819
Commercial \| Income producing CRE \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	9,652	59,437
Originated in prior year	26,439	36,259
Originated two years prior	22,478	16,758
Originated three years prior	1,199	3,411
Originated four years prior	16,954	39,085
Originated five or more years prior	36,816	42,910
Revolvers	2,122	0
Revolvers converted to term loans	0	0
Total loans	115,660	197,860
Commercial \| Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	680,042	475,901
Originated in prior year	379,288	475,872
Originated two years prior	337,237	299,064
Originated three years prior	202,629	213,247
Originated four years prior	155,024	131,188
Originated five or more years prior	236,362	191,137
Revolvers	694,703	623,511
Revolvers converted to term loans	11,006	18,456
Total loans	2,696,291	2,428,376
Current period gross charge-offs, in current fiscal year	46	842
Current period gross charge-offs, in prior year	1,197	2,908
Current period gross charge-offs, two years prior	10,327	6,826
Current period gross charge-offs, three years prior	1,506	1,994
Current period gross charge-offs, four years prior	218	2,282
Current period gross charge-offs, five or more years prior	408	1,236
Revolvers	0	0
Revolvers converted to term loans	2,240	3,270
Current period gross charge-offs, Total	15,942	19,358
Commercial \| Commercial & industrial \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	668,959	464,843
Originated in prior year	357,553	440,557
Originated two years prior	279,488	270,459
Originated three years prior	178,064	198,320
Originated four years prior	149,382	125,964
Originated five or more years prior	225,469	180,262
Revolvers	675,062	583,147
Revolvers converted to term loans	9,342	8,480
Total loans	2,543,319	2,272,032
Commercial \| Commercial & industrial \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	3,364	8,630
Originated in prior year	18,886	12,438
Originated two years prior	21,622	18,832
Originated three years prior	18,235	2,794
Originated four years prior	1,353	1,238
Originated five or more years prior	3,387	3,794
Revolvers	8,537	24,286
Revolvers converted to term loans	448	1,806
Total loans	75,832	73,818
Commercial \| Commercial & industrial \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	7,719	2,428
Originated in prior year	2,849	22,877
Originated two years prior	36,127	9,773
Originated three years prior	6,330	12,133
Originated four years prior	4,289	3,986
Originated five or more years prior	7,506	7,081
Revolvers	11,104	16,078
Revolvers converted to term loans	1,216	8,170
Total loans	77,140	82,526
Commercial \| Commercial construction and land
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	567,529	455,402
Originated in prior year	237,285	352,597
Originated two years prior	64,097	541,355
Originated three years prior	49,218	165,105
Originated four years prior	10,798	46,875
Originated five or more years prior	13,091	40,277
Revolvers	54,745	52,903
Revolvers converted to term loans	1,039	1,196
Total loans	997,802	1,655,710
Current period gross charge-offs, in current fiscal year	0	0
Current period gross charge-offs, in prior year	2,020	69
Current period gross charge-offs, two years prior	0	53
Current period gross charge-offs, three years prior	0	0
Current period gross charge-offs, four years prior	130	0
Current period gross charge-offs, five or more years prior	0	23
Revolvers	0	0
Revolvers converted to term loans	0	0
Current period gross charge-offs, Total	2,150	145
Commercial \| Commercial construction and land \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	562,952	448,497
Originated in prior year	236,154	348,179
Originated two years prior	63,716	495,712
Originated three years prior	20,804	153,303
Originated four years prior	9,230	40,254
Originated five or more years prior	11,002	40,004
Revolvers	54,745	46,863
Revolvers converted to term loans	1,039	1,196
Total loans	959,642	1,574,008
Commercial \| Commercial construction and land \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	4,352	5,005
Originated in prior year	743	462
Originated two years prior	0	44,152
Originated three years prior	28,159	5,253
Originated four years prior	1,550	0
Originated five or more years prior	0	100
Revolvers	0	6,040
Revolvers converted to term loans	0	0
Total loans	34,804	61,012
Commercial \| Commercial construction and land \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	225	1,900
Originated in prior year	388	3,956
Originated two years prior	381	1,491
Originated three years prior	255	6,549
Originated four years prior	18	6,621
Originated five or more years prior	2,089	173
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	3,356	20,690
Commercial \| Equipment financing
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	793,881	693,858
Originated in prior year	492,650	457,285
Originated two years prior	303,462	332,602
Originated three years prior	190,819	126,737
Originated four years prior	50,367	35,105
Originated five or more years prior	16,820	16,914
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	1,847,999	1,662,501
Current period gross charge-offs, in current fiscal year	504	261
Current period gross charge-offs, in prior year	3,831	5,489
Current period gross charge-offs, two years prior	7,681	13,359
Current period gross charge-offs, three years prior	10,018	6,418
Current period gross charge-offs, four years prior	2,255	1,033
Current period gross charge-offs, five or more years prior	668	309
Revolvers	0	0
Revolvers converted to term loans	0	0
Current period gross charge-offs, Total	24,957	26,869
Commercial \| Equipment financing \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	792,800	693,205
Originated in prior year	487,499	454,501
Originated two years prior	300,427	328,490
Originated three years prior	186,094	122,920
Originated four years prior	49,410	33,870
Originated five or more years prior	16,468	15,788
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	1,832,698	1,648,774
Commercial \| Equipment financing \| Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	2,061	0
Originated two years prior	0	659
Originated three years prior	994	1,989
Originated four years prior	227	708
Originated five or more years prior	0	496
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	3,282	3,852
Commercial \| Equipment financing \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	1,081	653
Originated in prior year	3,090	2,784
Originated two years prior	3,035	3,453
Originated three years prior	3,731	1,828
Originated four years prior	730	527
Originated five or more years prior	352	630
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	12,019	9,875
Residential \| Commercial construction and land
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	110,016	74,854
Originated in prior year	50,443	55,164
Originated two years prior	10,491	30,265
Originated three years prior	9,171	8,539
Originated four years prior	3,701	4,531
Originated five or more years prior	6,717	4,962
Revolvers	0	0
Revolvers converted to term loans	86	90
Total loans	190,625	178,405
Current period gross charge-offs, in current fiscal year	0	0
Current period gross charge-offs, in prior year	0	221
Current period gross charge-offs, two years prior	118	73
Current period gross charge-offs, three years prior	124	48
Current period gross charge-offs, four years prior	0	0
Current period gross charge-offs, five or more years prior	47	0
Revolvers	0	0
Revolvers converted to term loans	0	0
Current period gross charge-offs, Total	289	342
Residential \| Commercial construction and land \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	110,016	74,854
Originated in prior year	50,363	55,164
Originated two years prior	9,612	30,216
Originated three years prior	9,156	8,539
Originated four years prior	3,637	4,528
Originated five or more years prior	6,676	4,872
Revolvers	0	0
Revolvers converted to term loans	86	90
Total loans	189,546	178,263
Residential \| Commercial construction and land \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	80	0
Originated two years prior	879	49
Originated three years prior	15	0
Originated four years prior	64	3
Originated five or more years prior	41	90
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	1,079	142
Residential \| Residential mortgage
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	200,135	123,436
Originated in prior year	119,186	325,645
Originated two years prior	315,961	1,024,615
Originated three years prior	933,317	992,083
Originated four years prior	913,827	404,642
Originated five or more years prior	671,902	357,867
Revolvers	0	0
Revolvers converted to term loans	2,689	3,191
Total loans	3,157,017	3,231,479
Current period gross charge-offs, in current fiscal year	0	87
Current period gross charge-offs, in prior year	4	124
Current period gross charge-offs, two years prior	560	71
Current period gross charge-offs, three years prior	76	3
Current period gross charge-offs, four years prior	0	0
Current period gross charge-offs, five or more years prior	0	10
Revolvers	0	0
Revolvers converted to term loans	6	0
Current period gross charge-offs, Total	646	295
Residential \| Residential mortgage \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	199,825	121,145
Originated in prior year	116,567	321,804
Originated two years prior	308,491	1,015,693
Originated three years prior	921,713	989,673
Originated four years prior	910,553	402,894
Originated five or more years prior	661,298	347,249
Revolvers	0	0
Revolvers converted to term loans	2,612	2,971
Total loans	3,121,059	3,201,429
Residential \| Residential mortgage \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	310	2,291
Originated in prior year	2,619	3,841
Originated two years prior	7,470	8,922
Originated three years prior	11,604	2,410
Originated four years prior	3,274	1,748
Originated five or more years prior	10,604	10,618
Revolvers	0	0
Revolvers converted to term loans	77	220
Total loans	35,958	30,050
Residential \| Home equity
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	1,277,604	1,028,340
Revolvers converted to term loans	41,870	36,534
Total loans	1,319,474	1,064,874
Current period gross charge-offs, in current fiscal year	0	0
Current period gross charge-offs, in prior year	0	0
Current period gross charge-offs, two years prior	0	0
Current period gross charge-offs, three years prior	0	0
Current period gross charge-offs, four years prior	0	0
Current period gross charge-offs, five or more years prior	0	0
Revolvers	0	0
Revolvers converted to term loans	170	95
Current period gross charge-offs, Total	170	95
Residential \| Home equity \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	1,277,604	1,028,340
Revolvers converted to term loans	36,074	31,291
Total loans	1,313,678	1,059,631
Residential \| Home equity \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	0	0
Originated in prior year	0	0
Originated two years prior	0	0
Originated three years prior	0	0
Originated four years prior	0	0
Originated five or more years prior	0	0
Revolvers	0	0
Revolvers converted to term loans	5,796	5,243
Total loans	5,796	5,243
Residential \| Manufactured housing
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year		409
Originated in prior year		506
Originated two years prior		178
Originated three years prior		112
Originated four years prior		169
Originated five or more years prior		349
Revolvers		0
Revolvers converted to term loans		0
Total loans		1,723
Current period gross charge-offs, in current fiscal year		0
Current period gross charge-offs, in prior year		1,679
Current period gross charge-offs, two years prior		3,570
Current period gross charge-offs, three years prior		2,518
Current period gross charge-offs, four years prior		2,518
Current period gross charge-offs, five or more years prior		4,304
Revolvers		0
Revolvers converted to term loans		0
Current period gross charge-offs, Total		14,589
Residential \| Manufactured housing \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year		124
Originated in prior year		0
Originated two years prior		0
Originated three years prior		0
Originated four years prior		0
Originated five or more years prior		150
Revolvers		0
Revolvers converted to term loans		0
Total loans		274
Residential \| Manufactured housing \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year		285
Originated in prior year		506
Originated two years prior		178
Originated three years prior		112
Originated four years prior		169
Originated five or more years prior		199
Revolvers		0
Revolvers converted to term loans		0
Total loans		1,449
Consumer Portfolio
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	85,786	84,101
Originated in prior year	41,362	44,007
Originated two years prior	23,172	20,374
Originated three years prior	12,735	7,139
Originated four years prior	2,956	7,655
Originated five or more years prior	881	564
Revolvers	20,522	22,508
Revolvers converted to term loans	122	100
Total loans	187,536	186,448
Current period gross charge-offs, in current fiscal year	3,331	3,082
Current period gross charge-offs, in prior year	533	281
Current period gross charge-offs, two years prior	232	162
Current period gross charge-offs, three years prior	94	34
Current period gross charge-offs, four years prior	88	11
Current period gross charge-offs, five or more years prior	37	8
Revolvers	0	0
Revolvers converted to term loans	154	152
Current period gross charge-offs, Total	4,469	3,730
Consumer Portfolio \| Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	85,779	84,100
Originated in prior year	41,201	43,889
Originated two years prior	22,689	20,332
Originated three years prior	12,571	7,103
Originated four years prior	2,911	7,625
Originated five or more years prior	705	563
Revolvers	20,522	22,508
Revolvers converted to term loans	122	100
Total loans	186,500	186,220
Consumer Portfolio \| Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Originated in current fiscal year	7	1
Originated in prior year	161	118
Originated two years prior	483	42
Originated three years prior	164	36
Originated four years prior	45	30
Originated five or more years prior	176	1
Revolvers	0	0
Revolvers converted to term loans	0	0
Total loans	$ 1,036	$ 228

Fair Value Measurements - Schedule of Presentation of Assets Measured at Fair Value on Nonrecurring Basis (Details) - Fair Value, Nonrecurring - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	$ 19,216	$ 27,313
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans held for investment	$ 19,216	$ 27,313

Long-term Debt and Short-term Borrowings - Schedule of Long-term Debt (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Debt Instrument [Line Items]
Less net discount	$ (5,375)	$ (6,623)
Total long-term debt	120,400	254,152
Senior debentures
Debt Instrument [Line Items]
Long-term debt, gross	0	135,000
Senior debentures \| 2027 senior debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 0	35,000
Stated Maturity Date	2027
Interest Rate (percent)
Interest rate
Senior debentures \| 2030 senior debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 0	100,000
Stated Maturity Date	2030
Interest Rate (percent)
Interest rate
Subordinated debentures \| 2028 subordinated debentures
Debt Instrument [Line Items]
Long-term debt, gross	$ 100,000	100,000
Stated Maturity Date	2028
Interest Rate (percent)	6.22%
Interest rate	6.22%
Trust preferred securities
Debt Instrument [Line Items]
Long-term debt, gross	$ 25,775	25,775
Trust preferred securities \| Tidelands Statutory Trust I
Debt Instrument [Line Items]
Long-term debt, gross	$ 8,248	8,248
Stated Maturity Date	2036
Interest Rate (percent)	5.33%
Interest rate	5.33%
Trust preferred securities \| Four Oaks Statutory Trust I
Debt Instrument [Line Items]
Long-term debt, gross	$ 12,372	12,372
Stated Maturity Date	2036
Interest Rate (percent)	5.33%
Interest rate	5.33%
Trust preferred securities \| Community First Capital Trust II
Debt Instrument [Line Items]
Long-term debt, gross	$ 5,155	$ 5,155
Stated Maturity Date	2035
Interest Rate (percent)	5.48%
Interest rate	5.48%

Benefit Plans

12 Months Ended

Dec. 31, 2025

Retirement Benefits [Abstract]

Benefit Plans

Defined Contribution Benefit Plans

401(k) Plan

United offers a defined contribution safe harbor 401(k) plan (the “401(k) Plan”) that covers substantially all employees meeting certain minimum service requirements. The 401(k) Plan allows employees to make contributions to the 401(k) Plan and United matches 100% of employee deferral contributions up to 5% of eligible compensation. Employees begin to receive matching contributions after completing 90 days of service. Under safe harbor provisions, United is required to provide a matching contribution and participants are immediately 100% vested in safe harbor matching contributions.

United’s 401(k) Plan is administered in accordance with applicable laws and regulations. Compensation expense related to the 401(k) Plan totaled $11.6 million, $11.2 million and $10.9 million in 2025, 2024 and 2023, respectively.

Deferred Compensation Plan

United also sponsors a non-qualified deferred compensation plan for its executive officers, certain other key employees and members of the Board and its community banks’ advisory boards of directors. The deferred compensation plan provides for the pre-tax deferral of compensation, fees and other specified benefits. Specifically, the deferred compensation plan permits each employee participant to elect to defer a portion of base salary, bonus or vested restricted stock units and permits each eligible director participant to elect to defer all or a portion of director’s fees. Further, the deferred compensation plan allows for additional contributions by an employee, with matching contributions by United, for amounts that exceed the allowable amounts under the 401(k) Plan. The deferred compensation plan is an unfunded obligation of United with participants of the plan being general unsecured creditors of United.

During 2025, 2024 and 2023, United recognized $117,000, $125,000 and $85,000, respectively, in matching contributions for this provision of the deferred compensation plan. The Board may also elect to make a discretionary contribution to any or all participants. No discretionary contributions were made in 2025, 2024 or 2023.

In addition to common stock related to elected deferrals of vested restricted stock units, United offers its common stock as an investment option for cash contributions to the deferred compensation plan. The common stock component is accounted for as an equity instrument and is included in capital surplus in the consolidated balance sheets. The deferred compensation plan does not allow for diversification once an election is made to invest in United stock and settlement must be accomplished in shares at the time the deferral period is completed. At December 31, 2025 and 2024, United had 618,866 shares and 600,168 shares, respectively, of its common stock that were issuable under the deferred compensation plan.

Defined Benefit Pension Plan

United has an unfunded noncontributory defined benefit pension plan, or the Modified Retirement Plan, that covers certain executive officers and other key employees. The Modified Retirement Plan provides a fixed annual retirement benefit to plan participants.

Weighted-average assumptions used to determine the pension benefit obligation of the Modified Retirement Plan at year-end and net periodic pension cost are shown in the table below:



	2025		2024
Discount rate for disclosures	5.35	%	5.60	%
Discount rate for net periodic benefit cost	5.60	%	4.95	%
Measurement date	12/31/2025		12/31/2024

Discount rates are determined in consultation with the third-party actuary and are set by matching the projected benefit cash flow to a notional yield curve developed by reference to high-quality fixed income investments. The discount rates are determined as the rate which would provide the same present value as the plan cash flows discounted to the measurement date using the full series of spot rates along the notional yield curve as of the measurement date.

United recognizes the unfunded status of the Modified Retirement Plan as a liability in the consolidated balance sheets. Information about changes in obligations and plan assets follows:



(in thousands)	2025		2024
Accumulated benefit obligation:
Accumulated benefit obligation - beginning of year	$	20,232	$	21,641
Service cost	486		500
Interest cost	1,099		1,042

Actuarial losses (gains)	501		(1,783)
Benefits paid	(1,202)		(1,168)
Accumulated benefit obligation - end of year	21,116		20,232
Change in plan assets, at fair value:
Beginning plan assets	—		—

Employer contribution	1,202		1,168
Benefits paid	(1,202)		(1,168)
Plan assets - end of year	—		—
Funded status - end of year (plan assets less benefit obligations)	$	(21,116)	$	(20,232)

Components of net periodic benefit cost and other amounts recognized in other comprehensive income related to the Modified Retirement Plan are as follows:



(in thousands)	2025		2024		2023
Service cost	$	486	$	500	$	463
Interest cost	1,099		1,042		1,035

Amortization of prior service cost	100		179		244
Amortization of net actuarial gains	(169)		—		—
Net periodic benefit cost	$	1,516	$	1,721	$	1,742

The following table summarizes the estimated future benefit payments expected to be paid from the Modified Retirement Plan for the periods indicated.


(in thousands)
2026	$	1,234
2027	1,523
2028	1,560
2029	1,610
2030	1,724
2031-2035	8,911

- Definition

The entire disclosure for retirement benefits.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 715
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-Name Accounting Standards Codification
-Section 50
-Paragraph 1
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Investments - Schedule of Cost Basis, Unrealized Gains and Losses and Fair Value of HTM Debt Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
HTM debt securities:
Amortized Cost	$ 2,237,356	$ 2,368,107
Gross Unrealized Gains	57	11
Gross Unrealized Losses	318,987	423,992
Fair Value	1,918,426	1,944,126
U.S. Treasuries
HTM debt securities:
Amortized Cost	19,927	19,896
Gross Unrealized Gains	0	0
Gross Unrealized Losses	888	1,734
Fair Value	19,039	18,162
U.S. Government agencies & GSEs
HTM debt securities:
Amortized Cost	98,851	99,154
Gross Unrealized Gains	0	0
Gross Unrealized Losses	11,233	16,291
Fair Value	87,618	82,863
State and political subdivisions
HTM debt securities:
Amortized Cost	282,807	289,492
Gross Unrealized Gains	42	10
Gross Unrealized Losses	41,784	55,206
Fair Value	241,065	234,296
Residential MBS, Agency & GSE
HTM debt securities:
Amortized Cost	1,182,098	1,282,174
Gross Unrealized Gains	15	1
Gross Unrealized Losses	164,860	223,671
Fair Value	1,017,253	1,058,504
Commercial MBS, Agency & GSE
HTM debt securities:
Amortized Cost	638,673	662,391
Gross Unrealized Gains	0	0
Gross Unrealized Losses	98,391	124,409
Fair Value	540,282	537,982
Supranational entities
HTM debt securities:
Amortized Cost	15,000	15,000
Gross Unrealized Gains	0	0
Gross Unrealized Losses	1,831	2,681
Fair Value	$ 13,169	$ 12,319

Derivatives and Hedging Activities - Narrative (Details) $ in Thousands	Dec. 31, 2025 USD ($) contract
Derivative Instruments [Line Items]
Gains to be reclassified from accumulated other comprehensive income into earnings over the next twelve months \| $	$ 3,540
Not designated as hedging instrument, economic hedge \| Interest rate swaps
Derivative Instruments [Line Items]
Number of derivative contracts \| contract	3

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Premises and Equipment - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 26.2	$ 24.7	$ 19.0

Derivatives and Hedging Activities - Schedule of Gains and Losses Recognized in Income on Derivatives Not Designated as Hedging Instruments (Details) - Not designated as hedging instrument - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Derivative Instruments [Line Items]
Total gains and losses	$ 3,428	$ 2,332	$ 1,450
Customer derivatives and dealer offsets
Derivative Instruments [Line Items]
Total gains and losses	4,677	1,762	2,186
Bifurcated embedded derivatives and dealer offsets
Derivative Instruments [Line Items]
Total gains and losses	(38)	(230)	(2,245)
Mortgage banking derivatives
Derivative Instruments [Line Items]
Total gains and losses	(1,561)	770	1,280
Risk participations
Derivative Instruments [Line Items]
Total gains and losses	$ 350	$ 30	$ 229

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Subsequent Events	12 Months Ended
Subsequent Events	Dec. 31, 2025
Subsequent Events [Abstract]
Subsequent Events	Subsequent Events In the first quarter of 2026, through the date of the filing of this Report, United repurchased 1,090,402 shares totaling $37.1 million of its common stock under its common stock repurchase program.

Earnings Per Share

12 Months Ended

Dec. 31, 2025

Earnings Per Share [Abstract]

Earnings Per Share

The following table sets forth the computation of basic and diluted net income per common share for the years indicated:


	Year Ended December 31,
(in thousands, except per share data)	2025		2024		2023
Net income	$	328,095	$	252,397	$	187,544
Earnings allocated to participating securities	(1,918)		(1,478)		(1,032)
Dividends on preferred stock	(4,719)		(6,293)		(6,635)
Deemed dividend on redemption of preferred stock	(3,275)		—		—
Discount on preferred shares repurchased	—		—		970
Net income available to common stockholders	$	318,183	$	244,626	$	180,847
Net income per common share:
Basic	$	2.62	$	2.04	$	1.54
Diluted	2.62		2.04		1.54
Weighted average common shares:
Basic	121,309		119,783		117,603
Effect of dilutive securities:
Stock options	67		82		121
Restricted stock units	61		35		21
Diluted	121,437		119,900		117,745

In 2025, United had no potentially dilutive instruments outstanding that were not included in the above analysis. In 2024 and 2023, United excluded from the computation of earnings per share 984 and 1,968, respectively, potentially dilutive shares of common stock issuable upon exercise of stock options because of their antidilutive effect.

Operating Leases

12 Months Ended

Dec. 31, 2025

Leases [Abstract]

Operating Leases

The following table presents the balances of the ROU asset and corresponding operating lease liability as of the dates indicated.


	December 31,
(dollars in thousands)	2025		2024
ROU asset	$	37,045	$	42,818
Operating lease liability	38,361		45,162

The table below presents information regarding operating lease income and expense recognized for the periods indicated.


(in thousands)	2025			2024			2023
Operating lease cost	$	11,014		$	13,385		$	14,953
Variable lease cost	2,056			1,967			2,174
Short-term lease cost	30			16			63
Total lease cost	$	13,100		$	15,368		$	17,190

Sublease income and rental income from owned properties under operating leases	$	1,787		$	1,755		$	1,338

Net cash payments related to the lease liability	11,845			13,243			15,190

Weighted average remaining lease term	5.4 years			5.5 years			5.0 years
Weighted average discount rate	3.6		%	3.5		%	2.8		%

As of December 31, 2025, future minimum lease payments under operating leases were as follows:


(in thousands)
Year
2026	$	10,020
2027	9,600
2028	6,537
2029	4,950
2030	3,638
Thereafter	8,001
Total	42,746
Less discount	(4,385)
Present value of lease liability	$	38,361

Time Deposits - Schedule of Contractual Maturities of Time Deposits, Including Brokered Time Deposits (Details) $ in Thousands	Dec. 31, 2025 USD ($)
Contractual maturities of time deposits
2026	$ 3,413,388
2027	159,145
2028	20,291
2029	15,116
2030	11,225
Thereafter	50,616
Total time deposits	$ 3,669,781

Loans and Leases and Allowance for Credit Losses - Schedule of Balance and Activity in the ACL by Portfolio Segment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Allowance for Credit Loss
ACL - loans, Beginning Balance	$ 206,998	$ 208,071	$ 159,357
ACL- loans, Initial ACL - PCD loans	1,251		6,421
ACL - loans, Charge-Offs	(55,787)	(71,170)	(67,999)
ACL - loans, Recoveries	13,861	13,480	15,756
ACL - loans, Provision	44,106	56,617	94,536
ACL - loans, Ending Balance	210,429	206,998	208,071
ACL - unfunded commitments, Beginning Balance	10,391	16,057	21,163
ACL - unfunded commitments, (Release) Provision	4,700	(5,666)	(5,106)
ACL - unfunded commitments, Ending Balance	15,091	10,391	16,057
Total ACL, Beginning Balance	217,389	224,128	180,520
Total ACL, Initial ACL - PCD loans	1,251		6,421
Total ACL, Charge-Offs	(55,787)	(71,170)	(67,999)
Total ACL, Recoveries	13,861	13,480	15,756
Total ACL, (Release) Provision	48,806	50,951	89,430
Total ACL, Ending Balance	225,520	217,389	224,128
Commercial \| Owner occupied CRE
Allowance for Credit Loss
ACL - loans, Charge-Offs	(5,194)	(928)
Commercial \| Commercial & industrial
Allowance for Credit Loss
ACL - loans, Charge-Offs	(15,942)	(19,358)
Commercial \| Commercial construction and land
Allowance for Credit Loss
ACL - loans, Charge-Offs	(2,150)	(145)
Commercial \| Equipment financing
Allowance for Credit Loss
ACL - loans, Charge-Offs	(24,957)	(26,869)
Residential \| Commercial construction and land
Allowance for Credit Loss
ACL - loans, Charge-Offs	(289)	(342)
Residential \| Residential mortgage
Allowance for Credit Loss
ACL - loans, Charge-Offs	(646)	(295)
Residential \| Manufactured housing
Allowance for Credit Loss
ACL - loans, Charge-Offs		(14,589)
Residential \| Home equity
Allowance for Credit Loss
ACL - loans, Charge-Offs	(170)	(95)
Consumer Portfolio
Allowance for Credit Loss
ACL - loans, Charge-Offs	(4,469)	(3,730)
Loans receivable \| Commercial \| Owner occupied CRE
Allowance for Credit Loss
ACL - loans, Beginning Balance	19,873	23,542	19,834
ACL- loans, Initial ACL - PCD loans	278		273
ACL - loans, Charge-Offs	(5,194)	(928)	(1,074)
ACL - loans, Recoveries	491	930	571
ACL - loans, Provision	9,440	(3,671)	3,938
ACL - loans, Ending Balance	24,888	19,873	23,542
Loans receivable \| Commercial \| Income producing CRE
Allowance for Credit Loss
ACL - loans, Beginning Balance	41,427	47,755	32,082
ACL- loans, Initial ACL - PCD loans	910		3,399
ACL - loans, Charge-Offs	(1,970)	(4,819)	(7,858)
ACL - loans, Recoveries	541	1,238	1,919
ACL - loans, Provision	3,163	(2,747)	18,213
ACL - loans, Ending Balance	44,071	41,427	47,755
Loans receivable \| Commercial \| Commercial & industrial
Allowance for Credit Loss
ACL - loans, Beginning Balance	35,441	30,890	23,504
ACL- loans, Initial ACL - PCD loans	23		1,891
ACL - loans, Charge-Offs	(15,942)	(19,358)	(25,538)
ACL - loans, Recoveries	6,043	5,519	4,479
ACL - loans, Provision	17,704	18,390	26,554
ACL - loans, Ending Balance	43,269	35,441	30,890
Loans receivable \| Commercial \| Commercial construction and land
Allowance for Credit Loss
ACL - loans, Beginning Balance	16,370	21,741	20,120
ACL- loans, Initial ACL - PCD loans	39		39
ACL - loans, Charge-Offs	(2,150)	(145)	(60)
ACL - loans, Recoveries	224	136	217
ACL - loans, Provision	(6,197)	(5,362)	1,425
ACL - loans, Ending Balance	8,286	16,370	21,741
Loans receivable \| Commercial \| Equipment financing
Allowance for Credit Loss
ACL - loans, Beginning Balance	47,415	33,383	23,395
ACL- loans, Initial ACL - PCD loans	0		0
ACL - loans, Charge-Offs	(24,957)	(26,869)	(24,206)
ACL - loans, Recoveries	4,373	3,926	4,044
ACL - loans, Provision	19,021	36,975	30,150
ACL - loans, Ending Balance	45,852	47,415	33,383
Loans receivable \| Residential \| Commercial construction and land
Allowance for Credit Loss
ACL - loans, Beginning Balance	1,672	1,833	2,049
ACL- loans, Initial ACL - PCD loans	0		124
ACL - loans, Charge-Offs	(289)	(342)	(1,111)
ACL - loans, Recoveries	51	78	175
ACL - loans, Provision	365	103	596
ACL - loans, Ending Balance	1,799	1,672	1,833
Loans receivable \| Residential \| Residential mortgage
Allowance for Credit Loss
ACL - loans, Beginning Balance	32,259	28,219	20,809
ACL- loans, Initial ACL - PCD loans	0		157
ACL - loans, Charge-Offs	(646)	(295)	(89)
ACL - loans, Recoveries	467	241	335
ACL - loans, Provision	(2,839)	4,094	7,007
ACL - loans, Ending Balance	29,241	32,259	28,219
Loans receivable \| Residential \| Manufactured housing
Allowance for Credit Loss
ACL - loans, Beginning Balance	450	10,339	8,098
ACL- loans, Initial ACL - PCD loans	0		0
ACL - loans, Charge-Offs	0	(14,589)	(3,914)
ACL - loans, Recoveries	0	201	55
ACL - loans, Provision	(450)	4,499	6,100
ACL - loans, Ending Balance	0	450	10,339
Loans receivable \| Residential \| Home equity
Allowance for Credit Loss
ACL - loans, Beginning Balance	11,247	9,647	8,707
ACL- loans, Initial ACL - PCD loans	1		534
ACL - loans, Charge-Offs	(170)	(95)	(167)
ACL - loans, Recoveries	379	172	3,045
ACL - loans, Provision	392	1,523	(2,472)
ACL - loans, Ending Balance	11,849	11,247	9,647
Loans receivable \| Consumer Portfolio
Allowance for Credit Loss
ACL - loans, Beginning Balance	844	722	759
ACL- loans, Initial ACL - PCD loans	0		4
ACL - loans, Charge-Offs	(4,469)	(3,730)	(3,982)
ACL - loans, Recoveries	1,292	1,039	916
ACL - loans, Provision	3,507	2,813	3,025
ACL - loans, Ending Balance	$ 1,174	$ 844	$ 722

Servicing Assets and Liabilities - Schedule of Changes in SBA/USDA Servicing Rights (Details) - SBA/USDA loans - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Servicing Rights Roll Forward
Beginning of period	$ 4,697	$ 5,444	$ 5,188
Acquired servicing rights	0	0	95
Originated servicing rights capitalized upon sale of loans	1,416	955	1,906
Disposals	(687)	(983)	(1,082)
Changes in fair value due to change in inputs or assumptions used in the valuation	(546)	(719)	(663)
End of period	$ 4,880	$ 4,697	$ 5,444

- Definition

+ References

+ Details

Premises and Equipment - Schedule of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Premises and equipments
Premises and equipment, gross	$ 580,245	$ 573,364
Less accumulated depreciation	(186,531)	(179,100)
Premises and equipment, net	393,714	394,264
Land and land improvements
Premises and equipments
Premises and equipment, gross	126,882	124,969
Buildings and improvements
Premises and equipments
Premises and equipment, gross	308,810	300,928
Furniture and equipment
Premises and equipments
Premises and equipment, gross	135,537	142,833
Construction in progress
Premises and equipments
Premises and equipment, gross	$ 9,016	$ 4,634

Common and Preferred Stock	12 Months Ended
Common and Preferred Stock	Dec. 31, 2025
Equity [Abstract]
Common and Preferred Stock	Common and Preferred Stock Common Stock During 2025, United had authorization to repurchase up to $100 million of common stock through December 31, 2025 under its common stock repurchase plan. During 2025, 1,510,249 shares were repurchased under the program totaling $44.3 million. During 2024 and 2023, no shares were repurchased under earlier authorizations that existed at the time. In the fourth quarter of 2025, the Board approved the renewal of United’s common stock repurchase program for 2026, authorizing the repurchase of up to $100 million from January 1, 2026 through December 31, 2026. Under the program, shares may be repurchased in open market transactions or in privately negotiated transactions, from time to time, subject to market conditions. Preferred Stock On September 15, 2025, United redeemed all outstanding shares of its 6.875% Series I non-cumulative perpetual preferred stock and corresponding depositary shares, each representing a 1/1000th interest in a preferred stock share (the “Preferred Stock”). The redemption resulted in a cash payment of $91.5 million, reflecting an aggregate liquidation preference of $25,000 per share. At the time of redemption, the Preferred Stock had a carrying value of $88.3 million, which was net of issuance costs of $3.27 million. The write-off of the issuance costs associated with the Preferred Stock was considered a deemed dividend to preferred shareholders for purposes of earnings per share.

- Definition

The entire disclosure for equity.

+ References

+ Details

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Statement of Comprehensive Income [Abstract]
Net income, Before-tax Amount	$ 422,412	$ 323,006	$ 232,545
Net income, Tax (Expense) Benefit	(94,317)	(70,609)	(45,001)
Net income	328,095	252,397	187,544
Unrealized gains (losses) on available-for-sale securities:
Unrealized holding gains, Before-tax Amount	78,608	22,626	59,462
Unrealized holding gains, Tax (Expense) Benefit	(18,302)	(5,728)	(14,077)
Unrealized holding gains, Net of Tax Amount	60,306	16,898	45,385
Realized (gains) losses included in net income, Before-tax Amount	(352)	3,316	53,333
Realized (gains) losses included in net income, Tax (Expense) Benefit	85	(837)	(13,575)
Realized (gains) losses included in net income, Net of Tax Amount	(267)	2,479	39,758
Net unrealized gains, Before-tax Amount	78,256	25,942	112,795
Net unrealized gains, Tax (Expense) Benefit	(18,217)	(6,565)	(27,652)
Net unrealized gains, Net of Tax Amount	60,039	19,377	85,143
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale, Before-tax amount	7,715	8,737	10,203
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale, Tax (Expense) Benefit	(893)	(2,188)	(2,452)
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale, Net of Tax Amount	6,822	6,549	7,751
Derivative instruments designated as cash flow hedges:
Unrealized holding (losses) gains on derivatives, Before-tax Amount	(1,046)	4,006	1,611
Unrealized holding (losses) gains on derivatives, Tax (Expense) Benefit	264	(976)	(411)
Unrealized holding (losses) gains on derivatives, Net of Tax Amount	(782)	3,030	1,200
Gains on derivative instruments realized in net income, Before-tax Amount	(4,422)	(5,557)	(4,719)
Gains on derivative instruments realized in net income, Before-tax Amount, Tax (Expense) Benefit	1,117	1,408	1,205
Gains on derivative instruments realized in net income, Before-tax Amount, Net of Tax Amount	(3,305)	(4,149)	(3,514)
Net cash flow hedge activity, Before-tax Amount	(5,468)	(1,551)	(3,108)
Net cash flow hedge activity, Tax (Expense) Benefit	1,381	432	794
Net cash flow hedge activity, Net of Tax Amount	(4,087)	(1,119)	(2,314)
Defined benefit pension plan activity:
Net actuarial (loss) gain on defined benefit pension plans, Before-tax Amount	(501)	1,783	(625)
Net actuarial (loss) gain on defined benefit pension plans, Tax (Expense) Benefit	126	(451)	159
Net actuarial (loss) gain on defined benefit pension plans, Net of Tax Amount	(375)	1,332	(466)
Amortization of defined benefit pension plan net periodic pension cost components, Before-tax Amount	(69)	179	244
Amortization of defined benefit pension plan net periodic pension cost components, Tax (Expense) Benefit	17	(45)	(62)
Amortization of defined benefit pension plan net periodic pension cost components, Net of Tax Amount	(52)	134	182
Net defined benefit pension plan activity, Before-tax Amount	(570)	1,962	(381)
Net defined benefit pension plan activity, Tax (Expense) Benefit	143	(496)	97
Net defined benefit pension plan activity, Net of Tax Amount	(427)	1,466	(284)
Total other comprehensive income, Before-tax Amount	79,933	35,090	119,509
Total other comprehensive income, Tax (Expense) Benefit	(17,586)	(8,817)	(29,213)
Total other comprehensive income, Net of Tax Amount	62,347	26,273	90,296
Comprehensive income, Before-tax Amount	502,345	358,096	352,054
Comprehensive income, Tax (Expense) Benefit	(111,903)	(79,426)	(74,214)
Comprehensive income, Net of Tax Amount	$ 390,442	$ 278,670	$ 277,840

Investments - Schedule of Accrued Interest Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Accrued interest receivable
Accrued interest receivable	$ 83,557	$ 85,616
HTM
Accrued interest receivable
Accrued interest receivable	5,486	5,763
AFS
Accrued interest receivable
Accrued interest receivable	$ 16,413	$ 18,201

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from banks	$ 202,586	$ 296,161
Interest-bearing deposits in banks	193,168	223,712
Cash and cash equivalents	395,754	519,873
Debt securities available-for-sale	3,750,863	4,436,291
Debt securities held-to-maturity (fair value $1,918,426 and $1,944,126, respectively)	2,237,356	2,368,107
Loans held for sale	39,381	57,534
Loans and leases held for investment	19,384,317	18,175,980
Less allowance for credit losses - loans and leases	(210,429)	(206,998)
Loans and leases, net	19,173,888	17,968,982
Premises and equipment, net	393,714	394,264
Bank owned life insurance	364,184	346,234
Accrued interest receivable	83,557	85,616
Net deferred tax asset	75,861	96,982
Derivative financial instruments	35,313	46,883
Goodwill and other intangible assets, net	967,882	956,643
Other assets (including $72,270 and $69,137 at fair value, respectively)	484,801	442,849
Total assets	28,002,554	27,720,258
Deposits:
Noninterest-bearing demand	6,252,252	6,211,182
Interest-bearing deposits	17,546,178	17,249,793
Total deposits	23,798,430	23,460,975
Short-term borrowings	85,000	195,000
Long-term debt	120,400	254,152
Derivative financial instruments	52,997	77,834
Accrued expenses and other liabilities (including $16,485 and $15,331 at fair value, respectively)	307,041	300,170
Total liabilities	24,363,868	24,288,131
Commitments and contingencies (Note 22 - Commitments and Contingencies)
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized; 0 and 3,662 Series I issued and outstanding; $25,000 per share liquidation preference	0	88,266
Common stock, $1 par value; 200,000,000 shares authorized, 120,598,266 and 119,364,110 shares issued and outstanding, respectively	120,598	119,364
Capital surplus	2,754,399	2,723,278
Retained earnings	914,261	714,138
Accumulated other comprehensive loss	(150,572)	(212,919)
Total shareholders’ equity	3,638,686	3,432,127
Total liabilities and shareholders’ equity	$ 28,002,554	$ 27,720,258

Servicing Assets and Liabilities

12 Months Ended

Dec. 31, 2025

Transfers and Servicing [Abstract]

Servicing Assets and Liabilities

Servicing Rights for SBA/USDA Loans

United accounts for servicing rights for SBA/USDA loans at fair value. The following table summarizes the changes in SBA/USDA servicing rights for the years indicated.


(in thousands)	2025		2024		2023
Beginning of period	$	4,697	$	5,444	$	5,188
Acquired servicing rights	—		—		95
Originated servicing rights capitalized upon sale of loans	1,416		955		1,906
Disposals	(687)		(983)		(1,082)
Changes in fair value due to change in inputs or assumptions used in the valuation	(546)		(719)		(663)
End of period	$	4,880	$	4,697	$	5,444

The portfolio of SBA/USDA loans serviced for others, which is not included in the accompanying balance sheets, was $388 million and $381 million, respectively, at December 31, 2025 and 2024. The amount of contractually specified servicing fees earned by United on these servicing rights during the years ended December 31, 2025, 2024 and 2023 was $3.49 million, $3.70 million and $3.97 million, respectively.

A summary of the key characteristics, inputs, and economic assumptions used in the discounted cash flow method utilized to estimate the fair value of the servicing asset for SBA/USDA loans and the sensitivity of the fair values to immediate adverse changes in those assumptions are shown in the table below as of the dates indicated:


	December 31,
(dollars in thousands)	2025			2024
Fair value of retained servicing assets	$	4,880		$	4,697
Prepayment rate assumption:
Weighted average	19.7		%	20.4		%
Range	0.0% - 36.3%			0.0% - 39.0%
10% adverse change	$	(248)		$	(240)
20% adverse change	(475)			(458)
Discount rate:
Weighted average	11.7		%	11.8		%
Range	5.2% - 24.3%			3.5% - 23.5%
100 bps adverse change	$	(109)		$	(101)
200 bps adverse change	(213)			(198)

The above sensitivities are hypothetical and changes in fair value based on variations in assumptions generally cannot be extrapolated because the relationship of the change in assumption to the change in fair value may not be linear. Also, in this table, the effect of a variation in a particular assumption is calculated without changing any other assumption. In reality, changes in one factor may result in changes in another, which might magnify or counteract the sensitivities.

Residential Mortgage Servicing Rights

United accounts for residential mortgage servicing rights at fair value. The following table summarizes the changes in residential mortgage servicing rights for the years indicated.


(in thousands)	Residential Mortgage Servicing Rights
December 31, 2022	$	36,559

Originated servicing rights capitalized upon sale of loans	3,217
Disposals	(1,926)

Changes in fair value (1)	(1,953)

December 31, 2023	35,897

Originated servicing rights capitalized upon sale of loans	4,190
Disposals	(2,159)
Changes in fair value:
Changes in fair value due to change in inputs or assumptions used in the valuation	2,861
Changes in fair value due to decay, passage of time and other	(1,495)
December 31, 2024	39,294

Originated servicing rights capitalized upon sale of loans	5,368
Disposals	(2,196)
Changes in fair value:
Changes in fair value due to change in inputs or assumptions used in the valuation	935
Changes in fair value due to decay, passage of time and other	(2,170)
December 31, 2025	$	41,231

(1) Prior to 2024, the change in fair value related to changes in valuation inputs and assumptions, decay, passage of time and other factors was included within this line item.

The portfolio of residential mortgage loans serviced for others, which is not included in the consolidated balance sheets, was $3.15 billion and $3.02 billion, respectively, at December 31, 2025 and 2024. The amount of contractually specified servicing fees earned by United on these servicing rights during the years ended December 31, 2025, 2024 and 2023 was $7.92 million, $7.64 million and $7.15 million, respectively.

A summary of the key characteristics, inputs, and economic assumptions used to estimate the fair value of the servicing asset for residential mortgage loans and the sensitivity of the fair values to immediate adverse changes in those assumptions are shown in the table below as of the dates indicated:


	December 31,
(dollars in thousands)	2025			2024
Fair value of retained servicing assets	$	41,231		$	39,294
Prepayment rate assumption:
Weighted average	7.5		%	7.6		%
Range	5.5% - 25.3%			6.5% - 77.6%
10% adverse change	$	(1,376)		$	(1,301)
20% adverse change	(2,687)			(2,536)
Discount rate:
Weighted average	9.6		%	10.1		%
Range	9.5% - 12.5%			10.0% - 14.0%
100 bps adverse change	$	(1,661)		$	(1,633)
200 bps adverse change	(3,220)			(3,151)

Servicing Liabilities for Equipment Financing Loans

United accounts for servicing liabilities associated with sold equipment finance loans using the amortization method. The portfolio of equipment financing loans serviced for others, which is not included in the accompanying balance sheets, was $194 million and $173 million at December 31, 2025 and 2024, respectively. The servicing liabilities related to these loans totaled $1.66 million and $1.42 million at December 31, 2025 and 2024, respectively.

- Definition

The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480591/815-20-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 946
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-04(11))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479170/946-210-S99-1

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Subparagraph (b)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-1A

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (a)(7)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (b)(2)(i)
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-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Name Accounting Standards Codification
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-Paragraph 3
-Subparagraph (b)(2)(ii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(4)(ii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (a)(5)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-3

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org/860/tableOfContent

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 3
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Name Accounting Standards Codification
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-Paragraph 3
-Subparagraph (cc)
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-URI https://asc.fasb.org/1943274/2147481326/860-20-50-3

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
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-Subparagraph (a)(5)(ii)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4D
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481326/860-20-50-4D

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
-SubTopic 30
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481420/860-30-50-7

Reference 20: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 860
-SubTopic 50
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Paragraph 2
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-2

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 860
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-Name Accounting Standards Codification
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-Paragraph 4
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481229/860-50-50-4

+ Details

Fair Value Measurements - Schedule of Quantitative Information About Level 3 Fair Value Measurements for Fair Value on a Recurring Basis (Details) - Level 3 - Fair Value, Recurring	Dec. 31, 2025	Dec. 31, 2024
Pull through rate \| Low \| Derivative assets - mortgage \| Valuation Technique, Internal Model
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative asset, measurement input	0.600	0.704
Pull through rate \| High \| Derivative assets - mortgage \| Valuation Technique, Internal Model
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative asset, measurement input	1	1
Pull through rate \| Weighted Average \| Derivative assets - mortgage \| Valuation Technique, Internal Model
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Derivative asset, measurement input	0.916	0.916
Discount rate \| Low \| Contingent consideration receivable \| Valuation Technique, Discounted Cash Flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Contingent consideration receivable, measurement input	0.067	0.000
Discount rate \| High \| Contingent consideration receivable \| Valuation Technique, Discounted Cash Flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Contingent consideration receivable, measurement input	0.067	0.071
Discount rate \| Weighted Average \| Contingent consideration receivable \| Valuation Technique, Discounted Cash Flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Contingent consideration receivable, measurement input	0.067	0.064
Probability of achievement \| Low \| Contingent consideration receivable \| Valuation Technique, Discounted Cash Flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Contingent consideration receivable, measurement input	0.826	0.893
Probability of achievement \| High \| Contingent consideration receivable \| Valuation Technique, Discounted Cash Flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Contingent consideration receivable, measurement input	1	1.000
Probability of achievement \| Weighted Average \| Contingent consideration receivable \| Valuation Technique, Discounted Cash Flow
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Contingent consideration receivable, measurement input	0.882	0.926

Income Taxes - Schedule of Summarizes the Sources and Expected Tax Consequences of Future Taxable Deductions (Revenue) (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
DTAs:
ACL	$ 50,444	$ 49,542
Net operating loss carryforwards	15,154	14,137
Deferred compensation	12,688	12,697
Loan purchase accounting adjustments	11,391	12,527
Nonqualified share based compensation	2,648	2,527
Accrued expenses	11,977	10,452
Unrealized losses on AFS securities	45,043	67,357
Deferred gains on SBA/USDA loan sales	1,560	1,483
Lease liability	9,294	10,843
Other	5,652	3,173
Total DTAs	165,851	184,738
DTLs:
Unrealized gains on cash flow hedges	949	5,534
Acquired intangible assets	10,362	11,669
Premises and equipment	16,004	14,408
Loan origination costs	13,930	11,893
True tax leases	19,600	13,362
Servicing assets	9,998	9,453
Derivatives	884	899
ROU asset	8,975	10,317
Securities purchase accounting adjustments	942	1,977
BOLI	1,566	1,734
Trust preferred securities debt issuance	1,398	1,453
Uncertain tax positions	2,542	2,158
Other	1,752	1,727
Total DTLs	88,902	86,584
Less valuation allowance	1,088	1,172
Net DTA	$ 75,861	$ 96,982

Goodwill and Other Intangible Assets - Schedule of Changes In The Carrying Amounts of Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Changes in carrying amount of goodwill
Goodwill, beginning balance	$ 907,090	$ 919,914
Goodwill, ending balance	925,119	907,090	$ 919,914
FinTrust
Changes in carrying amount of goodwill
FinTrust goodwill write-down	0	(5,100)	$ 0
Sale of FinTrust		(9,063)
Disposal Group, Held-for-Sale, Not Discontinued Operations \| FinTrust
Changes in carrying amount of goodwill
FinTrust goodwill write-down		(5,100)
First Miami
Changes in carrying amount of goodwill
Measurement period adjustment - First Miami		$ 1,339
ANB
Changes in carrying amount of goodwill
Acquisition of ANB	$ 18,029

Operating Leases - Schedule of Operating Lease Income and Expense and Other Supplemental Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating lease income and expense
Operating lease cost	$ 11,014	$ 13,385	$ 14,953
Variable lease cost	2,056	1,967	2,174
Short-term lease cost	30	16	63
Total lease cost	13,100	15,368	17,190
Sublease income and rental income from owned properties under operating leases	1,787	1,755	1,338
Net cash payments related to the lease liability	$ 11,845	$ 13,243	$ 15,190
Weighted average remaining lease term	5 years 4 months 24 days	5 years 6 months	5 years
Weighted average discount rate	3.60%	3.50%	2.80%

Loans and Leases and Allowance for Credit Losses

12 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Loans and Leases and Allowance for Credit Losses


	December 31,
(in thousands)	2025		2024
Owner occupied CRE	$	3,949,898	$	3,398,217
Income producing CRE	5,032,342		4,360,920
Commercial & industrial	2,696,291		2,428,376
Commercial construction	997,802		1,655,710
Equipment financing	1,847,999		1,662,501
Total commercial	14,524,332		13,505,724
Residential mortgage	3,157,017		3,231,479
Home equity	1,319,474		1,064,874
Residential construction	190,625		178,405
Manufactured housing	—		1,723
Consumer	187,536		186,448
Total loans excluding fair value hedge basis adjustment (1)	19,378,984		18,168,653
Fair value hedge basis adjustment	5,333		7,327
Total loans	19,384,317		18,175,980
Less ACL - loans	(210,429)		(206,998)
Loans, net	$	19,173,888	$	17,968,982

(1) As of December 31, 2025 and 2024, certain loans are included in fair value hedging relationships using the portfolio layer method. See Note 8 for further detail.

At December 31, 2025 and 2024, $3.75 million and $3.69 million, respectively, in overdrawn deposit accounts were reclassified as consumer loans.

Accrued interest receivable related to loans totaled $60.4 million and $60.1 million at December 31, 2025 and 2024, respectively, and was reported in accrued interest receivable on the consolidated balance sheets.

At December 31, 2025, the loan portfolio included certain loans specifically pledged to the Federal Reserve as well as loans covered by a blanket lien on qualifying loan types with the FHLB to secure contingent funding sources.


	Loans Sold
(in thousands)	2025		2024		2023
Manufactured housing loans	$	—	$	302,870	$	—
Guaranteed portion of SBA/USDA loans	74,242		49,593		94,758
Equipment financing receivables	99,842		79,171		105,293
Total	$	174,084	$	431,634	$	200,051

Lease Receivables


	December 31,
(in thousands)	2025		2024
Minimum future lease payments receivable	$	117,209	$	97,793
Estimated residual value of leased equipment	7,659		5,749
Initial direct costs	2,410		1,856
Security deposits	(496)		(491)

Unearned income	(18,411)		(15,412)
Net investment in leases	$	108,371	$	89,495

Minimum future lease payments expected to be received from equipment financing lease contracts as of December 31, 2025 were as follows:


(in thousands)
Year
2026	$	40,997
2027	34,064
2028	23,954
2029	13,608
2030	4,292
Thereafter	294
Total	$	117,209

Nonaccrual and Past Due Loans

The following table presents the amortized cost basis in loans by aging category and accrual status as of December 31, 2025 and 2024.


	Accruing
			Loans Past Due
(in thousands)	Current Loans		30 - 59 Days		60 - 89 Days		> 90 Days		Nonaccrual Loans		Total Loans
As of December 31, 2025
Owner occupied CRE	$	3,932,261	$	4,917	$	1,555	$	—	$	11,165	$	3,949,898
Income producing CRE	5,019,437		916		501		—		11,488		5,032,342
Commercial & industrial	2,664,068		6,365		7,564		—		18,294		2,696,291
Commercial construction and land	997,772		12		—		—		18		997,802
Equipment financing	1,826,790		6,637		4,189		—		10,383		1,847,999
Total commercial	14,440,328		18,847		13,809		—		51,348		14,524,332
Residential mortgage	3,118,540		5,286		768		—		32,423		3,157,017
Home equity	1,310,017		3,055		1,155		—		5,247		1,319,474
Residential construction and land	189,506		40		—		—		1,079		190,625
Manufactured housing	—		—		—		—		—		—
Consumer	185,814		569		152		—		1,001		187,536
Total	$	19,244,205	$	27,797	$	15,884	$	—	$	91,098	$	19,378,984

As of December 31, 2024
Owner occupied CRE	$	3,381,622	$	4,402	$	519	$	—	$	11,674	$	3,398,217
Income producing CRE	4,333,651		1,705		207		—		25,357		4,360,920
Commercial & industrial	2,395,889		2,665		483		—		29,339		2,428,376
Commercial construction and land	1,646,175		1,693		442		—		7,400		1,655,710
Equipment financing	1,644,721		5,939		2,916		—		8,925		1,662,501
Total commercial	13,402,058		16,404		4,567		—		82,695		13,505,724
Residential mortgage	3,199,956		4,808		2,100		—		24,615		3,231,479
Home equity	1,059,010		986		248		—		4,630		1,064,874
Residential construction and land	177,371		133		844		—		57		178,405
Manufactured housing	155		124		—		—		1,444		1,723
Consumer	185,545		636		129		—		138		186,448
Total	$	18,024,095	$	23,091	$	7,888	$	—	$	113,579	$	18,168,653

The following table presents nonaccrual loans by loan class for the periods indicated.


	Nonaccrual loans
	December 31, 2025						December 31, 2024
(in thousands)	With no allowance		With an allowance		Total		With no allowance		With an allowance		Total
Owner occupied CRE	$	7,627	$	3,538	$	11,165	$	9,926	$	1,748	$	11,674
Income producing CRE	8,335		3,153		11,488		24,970		387		25,357
Commercial & industrial	7,965		10,329		18,294		21,570		7,769		29,339
Commercial construction and land	—		18		18		6,817		583		7,400
Equipment financing	71		10,312		10,383		33		8,892		8,925
Total commercial	23,998		27,350		51,348		63,316		19,379		82,695
Residential mortgage	4,861		27,562		32,423		6,540		18,075		24,615
Home equity	218		5,029		5,247		231		4,399		4,630
Residential construction and land	701		378		1,079		—		57		57
Manufactured housing	—		—		—		—		1,444		1,444
Consumer	—		1,001		1,001		36		102		138
Total	$	29,778	$	61,320	$	91,098	$	70,123	$	43,456	$	113,579

At December 31, 2025 and December 31, 2024, United had $41.5 million and $75.1 million, respectively, in loans for which repayment is expected to be provided substantially through the operation or sale of the collateral. Estimated credit losses for these loans are based on the net realizable value of the collateral relative to the amortized cost of the loan. The majority of these loans are income producing CRE and commercial and industrial loans.

Credit Quality Indicators

United utilizes internal risk ratings as the primary credit quality indicator as outlined below:

Commercial Purpose Loans. United analyzes commercial loans individually on an ongoing basis based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, public information, and current industry and economic trends, among other factors. Commercial loans are categorized by the credit risk ratings of Pass, Special Mention, Substandard and Doubtful. Special Mention, Substandard and Doubtful ratings are defined by regulatory authorities and represent an elevated level of risk due to weaknesses identified related to the credit and/or borrower. Ratings within these categories are based on the severity of the weakness and the likelihood of repayment. Pass loans are considered to have a low probability of default and do not meet the criteria of the other ratings.

Consumer Purpose Loans. United applies a pass/fail grading system to all consumer purpose loans. Under this system, loans generally classified as “fail” are those that are on nonaccrual status, are 90 or more days past due, or meet certain bankruptcy status criteria. All other loans are classified as “pass”. For reporting purposes, loans in these categories that are classified as “fail” are reported as substandard and all other loans are reported as pass.

The following tables present the risk category of term loans by vintage year, which is the year of origination or most recent renewal, as of the date indicated.


(in thousands)	Term Loans by Origination Year												Revolvers		Revolvers converted to term loans		Total
As of December 31, 2025	2025		2024		2023		2022		2021		Prior
Owner occupied CRE
Pass	$	882,017	$	459,608	$	468,682	$	587,671	$	505,329	$	733,146	$	122,462	$	22,745	$	3,781,660
Special Mention	1,721		1,341		14,369		24,247		18,972		7,656		4,176		228		72,710
Substandard	3,157		8,412		20,122		31,791		6,709		22,454		2,883		—		95,528

Total owner occupied CRE	$	886,895	$	469,361	$	503,173	$	643,709	$	531,010	$	763,256	$	129,521	$	22,973	$	3,949,898
Current period gross charge-offs	$	—	$	185	$	1,905	$	2,162	$	—	$	942	$	—	$	—	$	5,194
Income producing CRE
Pass	$	916,381	$	430,561	$	541,924	$	1,107,955	$	812,859	$	863,815	$	62,677	$	12,714	$	4,748,886
Special Mention	13,726		14,176		2,144		123,531		7,769		6,341		—		109		167,796
Substandard	9,652		26,439		22,478		1,199		16,954		36,816		2,122		—		115,660

Total income producing CRE	$	939,759	$	471,176	$	566,546	$	1,232,685	$	837,582	$	906,972	$	64,799	$	12,823	$	5,032,342
Current period gross charge-offs	$	—	$	—	$	—	$	1,970	$	—	$	—	$	—	$	—	$	1,970
Commercial & industrial
Pass	$	668,959	$	357,553	$	279,488	$	178,064	$	149,382	$	225,469	$	675,062	$	9,342	$	2,543,319
Special Mention	3,364		18,886		21,622		18,235		1,353		3,387		8,537		448		75,832
Substandard	7,719		2,849		36,127		6,330		4,289		7,506		11,104		1,216		77,140

Total commercial & industrial	$	680,042	$	379,288	$	337,237	$	202,629	$	155,024	$	236,362	$	694,703	$	11,006	$	2,696,291
Current period gross charge-offs	$	46	$	1,197	$	10,327	$	1,506	$	218	$	408	$	—	$	2,240	$	15,942
Commercial construction & land
Pass	$	562,952	$	236,154	$	63,716	$	20,804	$	9,230	$	11,002	$	54,745	$	1,039	$	959,642
Special Mention	4,352		743		—		28,159		1,550		—		—		—		34,804
Substandard	225		388		381		255		18		2,089		—		—		3,356

Total commercial construction & land	$	567,529	$	237,285	$	64,097	$	49,218	$	10,798	$	13,091	$	54,745	$	1,039	$	997,802
Current period gross charge-offs	$	—	$	2,020	$	—	$	—	$	130	$	—	$	—	$	—	$	2,150
Equipment financing
Pass	$	792,800	$	487,499	$	300,427	$	186,094	$	49,410	$	16,468	$	—	$	—	$	1,832,698
Special Mention	—		2,061		—		994		227		—		—		—		3,282
Substandard	1,081		3,090		3,035		3,731		730		352		—		—		12,019

Total equipment financing	$	793,881	$	492,650	$	303,462	$	190,819	$	50,367	$	16,820	$	—	$	—	$	1,847,999
Current period gross charge-offs	$	504	$	3,831	$	7,681	$	10,018	$	2,255	$	668	$	—	$	—	$	24,957
Residential mortgage
Pass	$	199,825	$	116,567	$	308,491	$	921,713	$	910,553	$	661,298	$	—	$	2,612	$	3,121,059
Substandard	310		2,619		7,470		11,604		3,274		10,604		—		77		35,958
Total residential mortgage	$	200,135	$	119,186	$	315,961	$	933,317	$	913,827	$	671,902	$	—	$	2,689	$	3,157,017
Current period gross charge-offs	$	—	$	4	$	560	$	76	$	—	$	—	$	—	$	6	$	646
Home equity
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	1,277,604	$	36,074	$	1,313,678
Substandard	—		—		—		—		—		—		—		5,796		5,796
Total home equity	$	—	$	—	$	—	$	—	$	—	$	—	$	1,277,604	$	41,870	$	1,319,474
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	170	$	170
Residential construction & land
Pass	$	110,016	$	50,363	$	9,612	$	9,156	$	3,637	$	6,676	$	—	$	86	$	189,546
Substandard	—		80		879		15		64		41		—		—		1,079
Total residential construction & land	$	110,016	$	50,443	$	10,491	$	9,171	$	3,701	$	6,717	$	—	$	86	$	190,625
Current period gross charge-offs	$	—	$	—	$	118	$	124	$	—	$	47	$	—	$	—	$	289





Consumer
Pass	$	85,779	$	41,201	$	22,689	$	12,571	$	2,911	$	705	$	20,522	$	122	$	186,500
Substandard	7		161		483		164		45		176		—		—		1,036
Total consumer	$	85,786	$	41,362	$	23,172	$	12,735	$	2,956	$	881	$	20,522	$	122	$	187,536
Current period gross charge-offs	$	3,331	$	533	$	232	$	94	$	88	$	37	$	—	$	154	$	4,469


(in thousands)	Term Loans by Origination Year												Revolvers		Revolvers converted to term loans		Total
As of December 31, 2024	2024		2023		2022		2021		2020		Prior
Owner occupied CRE
Pass	$	455,248	$	540,913	$	621,020	$	555,846	$	507,121	$	425,932	$	120,574	$	21,867	$	3,248,521
Special Mention	1,093		13,414		13,653		14,735		6,520		6,496		4,995		393		61,299
Substandard	3,285		5,365		37,791		9,647		8,519		22,319		1,471		—		88,397

Total owner occupied CRE	$	459,626	$	559,692	$	672,464	$	580,228	$	522,160	$	454,747	$	127,040	$	22,260	$	3,398,217
Current period gross charge-offs	$	—	$	—	$	221	$	—	$	—	$	707	$	—	$	—	$	928
Income producing CRE
Pass	$	468,247	$	477,887	$	977,090	$	896,096	$	614,584	$	606,395	$	50,955	$	15,025	$	4,106,279
Special Mention	16,852		2,145		21,007		2,724		3,538		10,465		50		—		56,781
Substandard	59,437		36,259		16,758		3,411		39,085		42,910		—		—		197,860

Total income producing CRE	$	544,536	$	516,291	$	1,014,855	$	902,231	$	657,207	$	659,770	$	51,005	$	15,025	$	4,360,920
Current period gross charge-offs	$	—	$	3,128	$	—	$	—	$	—	$	1,691	$	—	$	—	$	4,819
Commercial & industrial
Pass	$	464,843	$	440,557	$	270,459	$	198,320	$	125,964	$	180,262	$	583,147	$	8,480	$	2,272,032
Special Mention	8,630		12,438		18,832		2,794		1,238		3,794		24,286		1,806		73,818
Substandard	2,428		22,877		9,773		12,133		3,986		7,081		16,078		8,170		82,526

Total commercial & industrial	$	475,901	$	475,872	$	299,064	$	213,247	$	131,188	$	191,137	$	623,511	$	18,456	$	2,428,376
Current period gross charge-offs	$	842	$	2,908	$	6,826	$	1,994	$	2,282	$	1,236	$	—	$	3,270	$	19,358
Commercial construction & land
Pass	$	448,497	$	348,179	$	495,712	$	153,303	$	40,254	$	40,004	$	46,863	$	1,196	$	1,574,008
Special Mention	5,005		462		44,152		5,253		—		100		6,040		—		61,012
Substandard	1,900		3,956		1,491		6,549		6,621		173		—		—		20,690

Total commercial construction & land	$	455,402	$	352,597	$	541,355	$	165,105	$	46,875	$	40,277	$	52,903	$	1,196	$	1,655,710
Current period gross charge-offs	$	—	$	69	$	53	$	—	$	—	$	23	$	—	$	—	$	145
Equipment financing
Pass	$	693,205	$	454,501	$	328,490	$	122,920	$	33,870	$	15,788	$	—	$	—	$	1,648,774
Special Mention	—		—		659		1,989		708		496		—		—		3,852
Substandard	653		2,784		3,453		1,828		527		630		—		—		9,875
Total equipment financing	$	693,858	$	457,285	$	332,602	$	126,737	$	35,105	$	16,914	$	—	$	—	$	1,662,501
Current period gross charge-offs	$	261	$	5,489	$	13,359	$	6,418	$	1,033	$	309	$	—	$	—	$	26,869
Residential mortgage
Pass	$	121,145	$	321,804	$	1,015,693	$	989,673	$	402,894	$	347,249	$	—	$	2,971	$	3,201,429
Substandard	2,291		3,841		8,922		2,410		1,748		10,618		—		220		30,050
Total residential mortgage	$	123,436	$	325,645	$	1,024,615	$	992,083	$	404,642	$	357,867	$	—	$	3,191	$	3,231,479
Current period gross charge-offs	$	87	$	124	$	71	$	3	$	—	$	10	$	—	$	—	$	295
Home equity
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	1,028,340	$	31,291	$	1,059,631
Substandard	—		—		—		—		—		—		—		5,243		5,243
Total home equity	$	—	$	—	$	—	$	—	$	—	$	—	$	1,028,340	$	36,534	$	1,064,874
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	95	$	95
Residential construction & land
Pass	$	74,854	$	55,164	$	30,216	$	8,539	$	4,528	$	4,872	$	—	$	90	$	178,263
Substandard	—		—		49		—		3		90		—		—		142
Total residential construction & land	$	74,854	$	55,164	$	30,265	$	8,539	$	4,531	$	4,962	$	—	$	90	$	178,405
Current period gross charge-offs	$	—	$	221	$	73	$	48	$	—	$	—	$	—	$	—	$	342
Manufactured housing
Pass	$	124	$	—	$	—	$	—	$	—	$	150	$	—	$	—	$	274
Substandard	285		506		178		112		169		199		—		—		1,449
Total manufactured housing	$	409	$	506	$	178	$	112	$	169	$	349	$	—	$	—	$	1,723
Current period gross charge-offs	$	—	$	1,679	$	3,570	$	2,518	$	2,518	$	4,304	$	—	$	—	$	14,589
Consumer
Pass	$	84,100	$	43,889	$	20,332	$	7,103	$	7,625	$	563	$	22,508	$	100	$	186,220
Substandard	1		118		42		36		30		1		—		—		228
Total consumer	$	84,101	$	44,007	$	20,374	$	7,139	$	7,655	$	564	$	22,508	$	100	$	186,448
Current period gross charge-offs	$	3,082	$	281	$	162	$	34	$	11	$	8	$	—	$	152	$	3,730

Modifications to Borrowers Experiencing Financial Difficulty

The period-end amortized cost and additional information regarding loans modified under the terms of a FDM during the periods indicated are presented in the following table.


	Year Ended December 31, 2025						Year Ended December 31, 2024
	New FDMs				Defaults within 12 months of modification		New FDMs				Defaults within 12 months of modification
(dollars in thousands)	Amortized Cost		% of Total Class of Receivable				Amortized Cost		% of Total Class of Receivable
Owner occupied CRE	$	—	—	%	$	—	$	3,702	0.1	%	$	2,110
Income producing CRE	—		—		—		33,525		0.8		—
Commercial & industrial	456		—		107		22,682		0.9		323

Equipment financing	13,611		0.7		551		7,796		0.5		53

Residential mortgage	7,018		0.2		242		4,103		0.1		626
Home equity	847		0.1		—		—		—		—

Manufactured housing	—		—		—		302		17.5		—
Consumer	95		0.1		—		—		—		—
Total loans	$	22,027	0.1		$	900	$	72,110	0.4		$	3,112

The following tables present the amortized cost of FDMs modified during the period by type of FDM and applicable weighted-average impact of the modification for the periods indicated.

Year Ended December 31, 2025

(dollars in thousands)

Amortized Cost

Weighted Average Modification

Extension

Commercial & industrial

2.0 years

Residential mortgage

242

6 months

Total

316

Payment Delay

Commercial & industrial

220

4 months

Residential mortgage

2,691

10 months

Home equity

498

6 months

Total

3,409

Rate Reduction

Residential mortgage

160

400 basis points

Home equity

151

453 basis points

Total

311

Payment Delay and Extension

Commercial & industrial

162

Payment delay: 6 months; Extension: 2.0 years

Equipment financing

13,611

Extension & payment delay: 7 months

Residential mortgage

296

Extension & payment delay: 1.0 year

Total

14,069

Rate Reduction and Extension

Residential mortgage

1,740

Rate reduction: 406 basis points; Extension: 6.7 years

Consumer

Rate reduction: 163 basis points; Extension: 7.9 years

Total

1,835

Rate Reduction and Payment Delay

Residential mortgage

796

Rate reduction: 98 basis points; Payment delay: 5 months

Home equity

198

Rate reduction: 555 basis points; Payment delay: 6 months

Total

994

Rate Reduction, Payment Delay & Extension

Residential mortgage

1,093

Rate reduction: 314 basis points; Payment delay: 5 months; Extension: 9.5 years

Total

22,027

Year Ended December 31, 2024

(dollars in thousands)

Amortized Cost

Weighted Average Modification

Extension

Owner occupied CRE

198

6 months

Commercial & industrial

18,790

1.3 years

Residential mortgage

509

12.6 years

Total

19,497

Payment Delay

Owner occupied CRE (1)

1,924

5 months

Income producing CRE (2)

25,204

1.2 years

Commercial & industrial (1)

605

6 months

Residential mortgage

133

6 months

Total

27,866

Payment Delay and Extension

Commercial & industrial

298

Payment delay: 4 months; Extension: 3.0 years

Equipment financing

7,796

Extension & payment delay: 8 months

Total

8,094

Rate Reduction and Extension

Income producing CRE

8,321

Rate reduction: 304 basis points; Extension: 4.8 years

Commercial & industrial

326

Rate reduction: 350 basis points; Extension: 7.8 years

Residential mortgage

3,461

Rate reduction: 394 basis points; Extension: 5.4 years

Manufactured housing

302

Rate reduction: 539 basis points; Extension: 3.6 years

Total

12,410

Rate Reduction and Payment Delay

Owner occupied CRE

1,426

Rate reduction: 75 basis points; Payment delay: 6 months

Commercial & industrial

220

Rate reduction: 232 basis points; Payment delay: 9 months

Total

1,646

Rate Reduction, Payment Delay & Extension

Owner occupied CRE

154

Rate reduction: 75 basis points; Payment delay: 6 months; Extension: 3.0 years

Commercial & industrial

2,443

Rate reduction: 273 basis points; Payment delay: 6 months; Extension: 4.6 years

Total

2,597

Total

72,110

The period-end amortized cost and additional information regarding loans modified under the terms of a FDM during 2023 are presented in the following table.




	Amortized Cost by Type of Modification
	Extension		Payment Delay		Rate Reduction & Extension		Payment Delay & Extension		Total		% of Total Class of Receivable		FDMs defaulted within 12 months of modification
(dollars in thousands)
Owner occupied CRE	$	3,561	$	276	$	—	$	—	$	3,837	0.1	%	$	—
Income producing CRE	48,752		—		35,172		—		83,924		2.0		—
Commercial & industrial	32,869		12,428		—		1,663		46,960		1.9		637
Commercial construction and land	67		366		—		—		433		—		—
Equipment financing	16,245		—		—		1,898		18,143		1.2		928
Total commercial	101,494		13,070		35,172		3,561		153,297		1.1		1,565
Residential mortgage	21		—		1,071		—		1,092		—		—

Residential construction and land	—		—		46		—		46		—		—
Manufactured housing	—		—		254		—		254		0.1		106

Total	$	101,515	$	13,070	$	36,543	$	3,561	$	154,689	0.8		$	1,671

The following paragraphs further describe the terms of FDMs executed during 2023:

Equipment financing FDMs typically consist of extensions and/or payment delays in which the borrower receives one or more three-month payment delays and/or extensions beyond the original maturity. For the remainder of extension FDMs occurring during 2023, the weighted average extension granted was approximately nine months.

Payment delay FDMs had a weighted average payment delay of approximately three months. $2.79 million of commercial and industrial payment delay FDMs are in bankruptcy status and were excluded from the weighted average payment delay calculation.

Commercial and industrial payment delay and extension FDMs received a weighted average payment delay and extension of approximately eleven months.

Income producing CRE FDMs categorized as rate reduction and extensions resulted in a decrease in weighted average interest rate of 144 basis points and extended the weighted average maturity by approximately two years. Residential loan type rate reduction and extension FDMs resulted in a decrease in weighted average interest rate of 614 basis points and extended the weighted average maturity by approximately 18 years.

The following table presents the aging category and accrual status of loans modified under the terms of a FDM during the previous 12 months on an amortized cost basis as of the dates indicated.


	Accruing
			Loans Past Due
(in thousands)	Current		30 - 59 Days		60 - 89 Days		> 90 Days		Nonaccrual		Total
As of December 31, 2025


Commercial & industrial	$	456	$	—	$	—	$	—	$	—	$	456

Equipment financing	10,850		884		798		—		1,079		13,611

Residential mortgage	1,012		—		—		—		6,006		7,018
Home equity	152		—		—		—		695		847


Consumer	—		—		—		—		95		95
Total	$	12,470	$	884	$	798	$	—	$	7,875	$	22,027

As of December 31, 2024
Owner occupied CRE	$	688	$	245	$	418	$	—	$	2,351	$	3,702
Income producing CRE	25,204		—		—		—		8,321		33,525
Commercial & industrial	20,123		—		—		—		2,559		22,682

Equipment financing	6,673		162		—		—		961		7,796

Residential mortgage	1,735		22		—		—		2,346		4,103


Manufactured housing	—		124		—		—		178		302

Total	$	54,423	$	553	$	418	$	—	$	16,716	$	72,110

Allowance for Credit Losses

For all periods presented, United used a one-year reasonable and supportable forecast period. Expected credit losses were estimated using a regression model for each segment based on historical data from peer banks combined with a baseline economic forecast to predict the change in credit losses. These estimates were then combined with a starting value that was based on United’s recent charge-off experience to produce an expected default rate, with the results subject to a floor.

At December 31, 2025, the baseline economic forecast had worsened slightly relative to the forecast at December 31, 2024, with unemployment projected to peak at 4.8% during the current forecast period, compared to a peak of 4.1% in the prior year forecast. At December 31, 2025, United applied qualitative adjustments to increase the model’s calculated ACL for the income producing CRE and commercial & industrial portfolios. These qualitative adjustments were applied to better reflect management’s expectations of future performance and added $10.1 million to the ACL balance at December 31, 2025.

At December 31, 2024, United applied a qualitative adjustment to the model output for loans in certain western North Carolina areas affected by Hurricane Helene. This qualitative adjustment, which added $9.80 million to the ACL balance at December 31, 2024, was fully released in 2025 as losses from the storm were less than expected.

For periods beyond the reasonable and supportable forecast period of one year, United reverted to historical credit loss information on a straight line basis over two years. For most collateral types, United reverted to through-the-cycle average default

rates using peer data. For loans secured by residential mortgages, the peer data was adjusted for changes in lending practices designed to mitigate the magnitude of losses observed during the 2008 mortgage crisis.

The following table presents the balance and activity in the ACL by portfolio segment for the periods indicated:


(in thousands)
Year Ended December 31, 2025	Beginning Balance		Initial ACL- PCD loans(1)		Charge-Offs		Recoveries		Provision		Ending Balance
Owner occupied CRE	$	19,873	$	278	$	(5,194)	$	491	$	9,440	$	24,888
Income producing CRE	41,427		910		(1,970)		541		3,163		44,071
Commercial & industrial	35,441		23		(15,942)		6,043		17,704		43,269
Commercial construction and land	16,370		39		(2,150)		224		(6,197)		8,286
Equipment financing	47,415		—		(24,957)		4,373		19,021		45,852
Residential mortgage	32,259		—		(646)		467		(2,839)		29,241
Home equity	11,247		1		(170)		379		392		11,849
Residential construction and land	1,672		—		(289)		51		365		1,799
Manufactured housing (2)	450		—		—		—		(450)		—
Consumer	844		—		(4,469)		1,292		3,507		1,174
ACL - loans	206,998		1,251		(55,787)		13,861		44,106		210,429
ACL - unfunded commitments	10,391		—		—		—		4,700		15,091
Total ACL	$	217,389	$	1,251	$	(55,787)	$	13,861	$	48,806	$	225,520


Year Ended December 31, 2024	Beginning Balance		Charge-Offs		Recoveries		Provision		Ending Balance
Owner occupied CRE	$	23,542	$	(928)	$	930	$	(3,671)	$	19,873
Income producing CRE	47,755		(4,819)		1,238		(2,747)		41,427
Commercial & industrial	30,890		(19,358)		5,519		18,390		35,441
Commercial construction and land	21,741		(145)		136		(5,362)		16,370
Equipment financing	33,383		(26,869)		3,926		36,975		47,415
Residential mortgage	28,219		(295)		241		4,094		32,259
Home equity	9,647		(95)		172		1,523		11,247
Residential construction and land	1,833		(342)		78		103		1,672
Manufactured Housing	10,339		(14,589)		201		4,499		450
Consumer	722		(3,730)		1,039		2,813		844
ACL - loans	208,071		(71,170)		13,480		56,617		206,998
ACL - unfunded commitments	16,057		—		—		(5,666)		10,391
Total ACL	$	224,128	$	(71,170)	$	13,480	$	50,951	$	217,389



Year Ended December 31, 2023	Beginning Balance		Initial ACL- PCD loans(1)		Charge-Offs		Recoveries		Provision		Ending Balance
Owner occupied CRE	$	19,834	$	273	$	(1,074)	$	571	$	3,938	$	23,542
Income producing CRE	32,082		3,399		(7,858)		1,919		18,213		47,755
Commercial & industrial	23,504		1,891		(25,538)		4,479		26,554		30,890
Commercial construction and land	20,120		39		(60)		217		1,425		21,741
Equipment financing	23,395		—		(24,206)		4,044		30,150		33,383
Residential mortgage	20,809		157		(89)		335		7,007		28,219
Home equity	8,707		534		(167)		3,045		(2,472)		9,647
Residential construction and land	2,049		124		(1,111)		175		596		1,833
Manufactured Housing	8,098		—		(3,914)		55		6,100		10,339
Consumer	759		4		(3,982)		916		3,025		722
ACL - loans	159,357		6,421		(67,999)		15,756		94,536		208,071
ACL - unfunded commitments	21,163		—		—		—		(5,106)		16,057
Total ACL	$	180,520	$	6,421	$	(67,999)	$	15,756	$	89,430	$	224,128

(1) Represents the initial ACL related to PCD loans acquired in the Progress and First Miami transactions.

Audit Information	12 Months Ended
Audit Information	Dec. 31, 2025
Audit Information [Abstract]
Auditor Name	PricewaterhouseCoopers LLP
Auditor Location	Charlotte, North Carolina
Auditor Firm ID	238

Investments - Schedule of Equity Method Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Investments, Debt and Equity Securities [Abstract]
Federal Reserve Stock	$ 89,979	$ 88,008
FHLB Stock	18,049	18,051
Equity securities with readily determinable fair values	$ 2,481	$ 2,341

- Definition

Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)(i)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (bbb)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482736/825-10-45-1A

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Subparagraph (a)
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-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 825
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-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 8: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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Reference 10: http://www.xbrl.org/2003/role/exampleRef
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Reference 11: http://www.xbrl.org/2003/role/exampleRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
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-Name Accounting Standards Codification
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-Paragraph 1
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 944
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+ Details

Equity Compensation Plans (Tables)

12 Months Ended

Dec. 31, 2025

Share-Based Payment Arrangement [Abstract]

Schedule of Restricted Stock Units and Options Outstanding and Activity

Restricted stock units and options outstanding and activity for the years ended December 31 consisted of the following:


	Restricted Stock Units					Options
	Shares	Weighted Average Grant Date Fair Value		Aggregate Intrinsic Value (000’s)		Shares	Weighted Average Exercise Price		Weighted Average Remaining Term (Yrs.)	Aggregate Intrinsic Value (000’s)
December 31, 2022	778,686	$	28.28			40,338	$	11.88
Granted / Assumed	542,388	28.98				643,298	20.91
Vested / Exercised	(311,219)	26.95				(272,279)	19.06

Cancelled	(80,488)	31.21				(4,620)	25.97
December 31, 2023	929,367	28.85				406,737	21.19
Granted	540,566	29.26				—	—
Vested / Exercised	(276,144)	26.89				(119,627)	21.10

Cancelled	(91,812)	28.30				(2,353)	26.05
December 31, 2024	1,101,977	29.61				284,757	21.18
Granted	487,755	33.01				—	—
Vested / Exercised	(363,937)	29.93		$	11,460	(90,081)	20.20			$	972

Cancelled	(94,931)	29.62				(984)	28.45
December 31, 2025	1,130,864	30.98		35,306		193,692	21.61		3.4	1,862

Commitments and Contingencies (Tables)

12 Months Ended

Dec. 31, 2025

Commitments and Contingencies Disclosure [Abstract]

Schedule of the Contract Amount of Off-Balance Sheet Instruments

The following table summarizes, as of the dates indicated, the contract amount of certain off-balance sheet instruments:


	December 31,
(in thousands)	2025		2024
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	4,732,083	$	3,970,991
Letters of credit	53,008		57,983

Schedule of Tax Credit and Certain Equity Method Investments

The following table summarizes, as of the dates indicated, tax credit and certain equity method investments:


	December 31,
(in thousands)	2025		2024
Investments in LIHTC:
Carrying amount	$	80,024	$	52,626
Amount of future funding commitments	41,539		16,179
Lending exposure (1)	42,474		14,344
Renewable energy investments:
Carrying amount	3,546		3,879
Amount of future funding commitments	12,274		6,884
Fintech funds and certain other equity method investments:
Carrying amount	50,390		36,976

Amount of future funding commitments	38,535		31,388

(1) Includes loans outstanding and future commitments to extend credit, net of participations.

The following table presents a summary of tax credits and amortization expense associated with those investments accounted for using the proportional amortization method for the periods indicated.


(in thousands)	Income Statement Location	2025		2024
Investments in LIHTC:
Income tax credits and other income tax benefits	Income tax expense	$	(9,264)	$	(7,986)
Amortization expense	Income tax expense	8,125		7,046

Renewable energy investments:
Income tax credits and other income tax benefits	Income tax expense	$	(9,880)	$	—
Amortization expense	Income tax expense	9,161		—

Fair Value Measurements - Narrative (Details)	12 Months Ended
Fair Value Measurements - Narrative (Details)	Dec. 31, 2025
Fair Value Disclosures [Abstract]
Maximum remaining maturity of financial instruments having no defined maturity	180 days

Loans and Leases and Allowance for Credit Losses - Schedule of Loans by Aging Category and Accrual Status (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	$ 19,384,317	$ 18,175,980
Commercial \| Owner occupied CRE
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	3,949,898	3,398,217
Commercial \| Income producing CRE
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	5,032,342	4,360,920
Commercial \| Commercial & industrial
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	2,696,291	2,428,376
Commercial \| Commercial construction and land
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	997,802	1,655,710
Commercial \| Equipment financing
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	1,847,999	1,662,501
Residential \| Commercial construction and land
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	190,625	178,405
Residential \| Residential mortgage
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	3,157,017	3,231,479
Residential \| Home equity
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	1,319,474	1,064,874
Residential \| Manufactured housing
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment		1,723
Consumer Portfolio
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	187,536	186,448
Loans receivable
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	19,378,984	18,168,653
Nonaccrual Loans	91,098	113,579
Loans receivable \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	19,244,205	18,024,095
Loans receivable \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	27,797	23,091
Loans receivable \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	15,884	7,888
Loans receivable \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Commercial
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	14,524,332	13,505,724
Nonaccrual Loans	51,348	82,695
Loans receivable \| Commercial \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	14,440,328	13,402,058
Loans receivable \| Commercial \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	18,847	16,404
Loans receivable \| Commercial \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	13,809	4,567
Loans receivable \| Commercial \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Commercial \| Owner occupied CRE
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	3,949,898	3,398,217
Nonaccrual Loans	11,165	11,674
Loans receivable \| Commercial \| Owner occupied CRE \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	3,932,261	3,381,622
Loans receivable \| Commercial \| Owner occupied CRE \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	4,917	4,402
Loans receivable \| Commercial \| Owner occupied CRE \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	1,555	519
Loans receivable \| Commercial \| Owner occupied CRE \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Commercial \| Income producing CRE
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	5,032,342	4,360,920
Nonaccrual Loans	11,488	25,357
Loans receivable \| Commercial \| Income producing CRE \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	5,019,437	4,333,651
Loans receivable \| Commercial \| Income producing CRE \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	916	1,705
Loans receivable \| Commercial \| Income producing CRE \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	501	207
Loans receivable \| Commercial \| Income producing CRE \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Commercial \| Commercial & industrial
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	2,696,291	2,428,376
Nonaccrual Loans	18,294	29,339
Loans receivable \| Commercial \| Commercial & industrial \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	2,664,068	2,395,889
Loans receivable \| Commercial \| Commercial & industrial \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	6,365	2,665
Loans receivable \| Commercial \| Commercial & industrial \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	7,564	483
Loans receivable \| Commercial \| Commercial & industrial \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Commercial \| Commercial construction and land
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	997,802	1,655,710
Nonaccrual Loans	18	7,400
Loans receivable \| Commercial \| Commercial construction and land \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	997,772	1,646,175
Loans receivable \| Commercial \| Commercial construction and land \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	12	1,693
Loans receivable \| Commercial \| Commercial construction and land \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	0	442
Loans receivable \| Commercial \| Commercial construction and land \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Commercial \| Equipment financing
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	1,847,999	1,662,501
Nonaccrual Loans	10,383	8,925
Loans receivable \| Commercial \| Equipment financing \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	1,826,790	1,644,721
Loans receivable \| Commercial \| Equipment financing \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	6,637	5,939
Loans receivable \| Commercial \| Equipment financing \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	4,189	2,916
Loans receivable \| Commercial \| Equipment financing \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Residential \| Commercial construction and land
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	190,625	178,405
Nonaccrual Loans	1,079	57
Loans receivable \| Residential \| Commercial construction and land \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	189,506	177,371
Loans receivable \| Residential \| Commercial construction and land \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	40	133
Loans receivable \| Residential \| Commercial construction and land \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	0	844
Loans receivable \| Residential \| Commercial construction and land \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Residential \| Residential mortgage
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	3,157,017	3,231,479
Nonaccrual Loans	32,423	24,615
Loans receivable \| Residential \| Residential mortgage \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	3,118,540	3,199,956
Loans receivable \| Residential \| Residential mortgage \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	5,286	4,808
Loans receivable \| Residential \| Residential mortgage \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	768	2,100
Loans receivable \| Residential \| Residential mortgage \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Residential \| Home equity
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	1,319,474	1,064,874
Nonaccrual Loans	5,247	4,630
Loans receivable \| Residential \| Home equity \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	1,310,017	1,059,010
Loans receivable \| Residential \| Home equity \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	3,055	986
Loans receivable \| Residential \| Home equity \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	1,155	248
Loans receivable \| Residential \| Home equity \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Residential \| Manufactured housing
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	0	1,723
Nonaccrual Loans	0	1,444
Loans receivable \| Residential \| Manufactured housing \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	0	155
Loans receivable \| Residential \| Manufactured housing \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	0	124
Loans receivable \| Residential \| Manufactured housing \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	0	0
Loans receivable \| Residential \| Manufactured housing \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	0	0
Loans receivable \| Consumer Portfolio
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	187,536	186,448
Nonaccrual Loans	1,001	138
Loans receivable \| Consumer Portfolio \| Current Loans
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	185,814	185,545
Loans receivable \| Consumer Portfolio \| Loans Past Due, 30 - 59 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	569	636
Loans receivable \| Consumer Portfolio \| Loans Past Due, 60 - 89 Days
Financing Receivable, Past Due [Line Items]
Loans and leases held for investment	152	129
Loans receivable \| Consumer Portfolio \| Loans Past Due, over 90 Days
Financing Receivable, Past Due [Line Items]
Total	$ 0	$ 0

Time Deposits (Tables)

12 Months Ended

Dec. 31, 2025

Deposits [Abstract]

Schedule of Contractual Maturities of Time Deposits, Including Brokered Time Deposits

At December 31, 2025, the contractual maturities of time deposits, including brokered time deposits, are summarized as follows:


(in thousands)
2026	$	3,413,388
2027	159,145
2028	20,291
2029	15,116
2030	11,225
Thereafter	50,616
Total time deposits	$	3,669,781

Acquisitions and Divestitures

12 Months Ended

Dec. 31, 2025

Business Combination, Asset Acquisition, Transaction between Entities under Common Control, and Joint Venture Formation [Abstract]

Acquisitions and Divestitures

The following note details acquisitions accounted for as business combinations and divestitures during the periods covered by this Report. For acquisitions, assets acquired and liabilities assumed are presented at fair value as of the acquisition date. The determination of fair value requires management to make estimates about discount rates, future expected cash flows, market conditions and other future events that are highly subjective in nature and subject to change. Goodwill is established when the fair value of consideration paid exceeds the fair value of the identifiable assets acquired and liabilities assumed. Fair values are considered preliminary for a period not to exceed one year after the acquisition date and are subject to refinement as information relative to closing date fair values becomes available.

Acquisition of ANB

On May 1, 2025, United acquired all of the outstanding common stock of ANB in a stock transaction. ANB operated one banking location in Oakland Park, Florida, which facilitated United’s expansion within that market. United’s operating results for the year ended December 31, 2025 include the operating results of the acquired business for the period subsequent to the acquisition date of May 1, 2025.

The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the following table.


ANB

Fair Value Recorded by United
(in thousands, except for share data)	May 1, 2025
Assets
Cash and cash equivalents	$	41,246
Debt securities	56,503

Loans held for investment	301,303

BOLI	13,822
Net deferred tax asset	6,565
Core deposit intangible	6,290
Other assets	2,746
Total assets acquired	428,475
Liabilities
Deposits	374,468


Other liabilities	6,298
Total liabilities assumed	380,766
Total identifiable net assets	47,709
Consideration transferred

Common stock issued (2,380,952 shares)	65,738


Goodwill	$	18,029

Supplementary Information on Acquired Loans
	May 1, 2025
PCD loans:
Par value	$	42,649
ACL at acquisition	(1,251)
Non-credit discount	(2,998)
Purchase price	$	38,400

Non-PCD loans:
Fair value	$	262,903
Gross contractual amounts receivable	325,973
Estimate of contractual cash flows not expected to be collected	3,158

Goodwill represents the intangible value of ANB’s business and reputation within the markets it served and is not expected to be deductible for income tax purposes. The ANB core deposit intangible will be amortized over its expected useful life of 10 years using the sum-of-the-years-digits method.

Divestiture of FinTrust

On October 1, 2024, United completed the sale of FinTrust for total consideration having a fair value of $16.2 million, which included an initial cash payment of $8.59 million and a receivable of $7.62 million representing the fair value of contingent consideration. The fair value of the contingent consideration, which is receivable over the five years following the sale and is reflected in other assets on the consolidated balance sheets, includes a probability assessment of the buyer realizing certain revenue-related goals. The goodwill write-down recorded in June of 2024 upon transferring FinTrust to held for sale and the incremental loss recorded at the time of sale totaling $5.39 million is reflected in other noninterest expense for the year ended December 31, 2024 in the consolidated statements of income. In the fourth quarter of 2024, as a result of the sale, United derecognized FinTrust’s assets and liabilities, which consisted primarily of $9.06 million of goodwill and a $6.02 million customer relationship intangible.

Pro forma information - unaudited

The following table discloses the impact of the mergers with ANB in 2025 and First Miami and Progress in 2023 since the respective acquisition dates through December 31 of the year of acquisition. The table also presents certain pro forma information as if ANB had been acquired on January 1, 2024 and First Miami and Progress had been acquired on January 1, 2022. These results combine the historical results of the acquired entities with United’s consolidated statements of income and, while adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity, they are not necessarily indicative of what would have occurred had the acquisitions taken place in earlier years.

For purposes of pro forma information, merger-related costs incurred in the year of acquisition are excluded from the actual acquisition year results and included in the pro forma acquisition year results. Such costs incurred by United and ANB during the year ended December 31, 2025 totaled $12.3 million. Merger-related costs incurred in 2023 related to the acquisitions of First Miami and Progress of $11.6 million and $9.81 million, respectively, were previously reported in the 2022 pro forma information, which is not presented in the following table.

The following table presents the actual results and pro forma information for the periods indicated.


	(Unaudited) Year Ended December 31,
(in thousands)	Revenue		Net Income
2025
Actual ANB results included in statement of income since acquisition date of May 1, 2025	$	10,276	$	1,469
Supplemental consolidated pro forma as if ANB had been acquired January 1, 2024	1,067,451		334,170

2024


Supplemental consolidated pro forma as if ANB had been acquired January 1, 2024	967,874		245,933

2023
Actual Progress results included in statement of income since acquisition date of January 3, 2023	$	58,924	$	20,836
Actual First Miami results included in statement of income since acquisition date of July 1, 2023	9,595		(2,179)
Supplemental consolidated pro forma as if First Miami and Progress had been acquired January 1, 2022	831,404		214,568

- Definition

The entire disclosure for business combination.

+ References

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+ Details

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Operating activities:
Net income	$ 328,095	$ 252,397	$ 187,544
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net	45,951	40,930	44,963
Provision for credit losses	48,806	50,951	89,430
Stock-based compensation	11,405	10,803	8,932
Deferred income tax expense	10,145	7,196	6,389
Securities (gains) losses, net	(352)	3,316	53,333
(Gains) losses from other loan sales, net	(7,923)	21,284	(9,146)
Loss (gain) on extinguishment of debt	768	(2,266)	0
Changes in assets and liabilities:
(Increase) decrease in other assets	(12,737)	8,815	(20,504)
Decrease in other liabilities	(58,276)	(24,266)	(49,649)
Decrease (increase) in loans held for sale	18,153	(24,526)	(17,321)
Net cash provided by operating activities	384,035	349,734	293,971
Debt securities held-to-maturity:
Proceeds from maturities and calls	135,567	128,724	129,873
Debt securities available-for-sale:
Proceeds from sales	547,338	176,721	880,224
Proceeds from maturities and calls	770,979	686,869	646,108
Purchases	(483,155)	(1,943,743)	(856,531)
Net (increase) decrease in loans	(934,103)	82,716	(996,520)
Payments for other investments	(43,686)	(112,347)	(143,645)
Proceeds from other investments	7,959	10,058	124,427
Net cash received in divestitures and acquisitions	41,246	8,592	207,566
Purchases of premises and equipment	(27,579)	(47,044)	(72,485)
Net cash paid for branch disposal	0	0	(93,613)
Other investing inflows	18,892	18,412	11,307
Other investing outflows	(41)	0	0
Net cash provided by (used in) investing activities	33,417	(991,042)	(163,289)
Financing activities:
Net (decrease) increase in deposits	(36,302)	149,485	1,338,641
Net (decrease) increase in short-term borrowings	(110,000)	195,000	(347,615)
Proceeds from Federal Home Loan Bank advances	126,000	1,100	2,225,000
Repayment of Federal Home Loan Bank advances	(126,000)	(1,100)	(2,870,000)
Redemption/repurchase of preferred stock	(91,541)	0	(7,151)
Repayment of long-term debt	(135,000)	(68,557)	0
Repurchase of common stock	(44,269)	0	0
Cash dividends on common stock	(118,518)	(112,316)	(105,085)
Cash dividends on preferred stock	(4,719)	(6,293)	(6,635)
Other financing inflows	2,146	2,853	5,500
Other financing outflows	(3,368)	(2,866)	(6,315)
Net cash (used in) provided by financing activities	(541,571)	157,306	226,340
Net change in cash and cash equivalents	(124,119)	(484,002)	357,022
Cash and cash equivalents at beginning of year	519,873	1,003,875	646,853
Cash and cash equivalents at end of year	395,754	519,873	1,003,875
FinTrust
Adjustments to reconcile net income to net cash provided by operating activities:
FinTrust goodwill write-down	$ 0	$ 5,100	$ 0

Loans and Leases and Allowance for Credit Losses - Schedule of Minimum Future Lease Payments Expected to be Received from Equipment Financing Lease Contracts (Details) - Equipment financing $ in Thousands	Dec. 31, 2025 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
2026	$ 40,997
2027	34,064
2028	23,954
2029	13,608
2030	4,292
Thereafter	294
Total	$ 117,209

Long-term Debt and Short-term Borrowings

12 Months Ended

Dec. 31, 2025

Debt Disclosure [Abstract]

Long-term Debt and Short-term Borrowings

At December 31, 2025 and 2024, United had $85.0 million and $195 million of short-term borrowings outstanding, which consisted of federal funds purchased.

Long-term debt consisted of the following. All debt instruments are obligations of the Holding Company.


	December 31,				Stated Maturity Date	Earliest Redemption Date	Interest Rate Type	Interest Rate at December 31, 2025
(dollars in thousands)	2025		2024








2027 senior debentures	$	—	$	35,000	2027	**	Fixed
2030 senior debentures	—		100,000		2030	**	Fixed to floating; became floating at earliest redemption date in 2025
Total senior debentures	—		135,000

2028 subordinated debentures	100,000		100,000		2028	*	Floating	6.22


Tidelands Statutory Trust I	8,248		8,248		2036	*	Floating	5.33
Four Oaks Statutory Trust I	12,372		12,372		2036	*	Floating	5.33
Community First Capital Trust II	5,155		5,155		2035	*	Floating	5.48
Total trust preferred securities	25,775		25,775
Less net discount	(5,375)		(6,623)
Total long-term debt	$	120,400	$	254,152

* Indicates currently redeemable. ** Redeemed at earliest redemption date in 2025.

During 2025, United redeemed the 2027 senior debentures and the 2030 senior debentures prior to maturity. United recognized $768,000 in losses on extinguishment of debt representing unamortized debt issuance costs as of each debenture’s respective redemption date.

Interest is currently paid at least semiannually for all subordinated debentures and trust preferred securities. Floating rate debentures accrue interest at 3-month Term SOFR plus a spread. Interest rates above exclude the effect of any cash flow hedges on hedged debt instruments. See Note 8 for further detail.

Goodwill and Other Intangible Assets (Tables)

12 Months Ended

Dec. 31, 2025

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Carrying Amount of Goodwill and Other Intangible Assets

The carrying amount of goodwill and other intangible assets is summarized below as of the dates indicated:


	December 31,
(in thousands)	2025		2024
Core deposit intangible	$	106,984	$	100,694
Less: accumulated amortization	(64,221)		(51,141)
Net core deposit intangible	42,763		49,553
Goodwill	925,119		907,090
Total goodwill and other intangible assets, net	$	967,882	$	956,643

Schedule of Changes In The Carrying Amounts of Goodwill

The following table summarizes the changes in the carrying amounts of goodwill for the years indicated. See Note 3 for further detail.


(in thousands)	Goodwill
December 31, 2023	$	919,914
Measurement period adjustment - First Miami	1,339
FinTrust goodwill write-down	(5,100)
Sale of FinTrust	(9,063)
December 31, 2024	907,090
Acquisition of ANB	18,029
December 31, 2025	$	925,119

Schedule of Estimated Aggregate Amortization Expense For Future Periods

The estimated aggregate amortization expense for future periods for finite lived intangibles is as follows:


(in thousands)
Year
2026	$	11,501
2027	9,498
2028	7,592
2029	5,835
2030	4,183
Thereafter	4,154
Total	$	42,763

- Definition

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

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+ Details

Long-term Debt and Short-term Borrowings (Tables)

12 Months Ended

Dec. 31, 2025

Debt Disclosure [Abstract]

Schedule of Long-term Debt

Long-term debt consisted of the following. All debt instruments are obligations of the Holding Company.


	December 31,				Stated Maturity Date	Earliest Redemption Date	Interest Rate Type	Interest Rate at December 31, 2025
(dollars in thousands)	2025		2024








2027 senior debentures	$	—	$	35,000	2027	**	Fixed
2030 senior debentures	—		100,000		2030	**	Fixed to floating; became floating at earliest redemption date in 2025
Total senior debentures	—		135,000

2028 subordinated debentures	100,000		100,000		2028	*	Floating	6.22


Tidelands Statutory Trust I	8,248		8,248		2036	*	Floating	5.33
Four Oaks Statutory Trust I	12,372		12,372		2036	*	Floating	5.33
Community First Capital Trust II	5,155		5,155		2035	*	Floating	5.48
Total trust preferred securities	25,775		25,775
Less net discount	(5,375)		(6,623)
Total long-term debt	$	120,400	$	254,152

* Indicates currently redeemable. ** Redeemed at earliest redemption date in 2025.

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

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+ Details

Loans and Leases and Allowance for Credit Losses - Schedule of Major Classifications of Loan and Lease Portfolio (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Classifications of loans
Total loans excluding fair value hedge basis adjustment	$ 19,378,984	$ 18,168,653
Fair value hedge basis adjustment	5,333	7,327
Total loans	19,384,317	18,175,980
Less ACL - loans	(210,429)	(206,998)	$ (208,071)	$ (159,357)
Loans and leases, net	19,173,888	17,968,982
Commercial \| Owner occupied CRE
Classifications of loans
Total loans	3,949,898	3,398,217
Commercial \| Income producing CRE
Classifications of loans
Total loans	5,032,342	4,360,920
Commercial \| Commercial & industrial
Classifications of loans
Total loans	2,696,291	2,428,376
Commercial \| Construction
Classifications of loans
Total loans	997,802	1,655,710
Commercial \| Equipment financing
Classifications of loans
Total loans	1,847,999	1,662,501
Residential \| Construction
Classifications of loans
Total loans	190,625	178,405
Residential \| Residential mortgage
Classifications of loans
Total loans	3,157,017	3,231,479
Residential \| Home equity
Classifications of loans
Total loans	1,319,474	1,064,874
Residential \| Manufactured housing
Classifications of loans
Total loans		1,723
Consumer Portfolio
Classifications of loans
Total loans	187,536	186,448
Loans receivable
Classifications of loans
Total loans	19,378,984	18,168,653
Loans receivable \| Commercial
Classifications of loans
Total loans excluding fair value hedge basis adjustment	14,524,332	13,505,724
Total loans	14,524,332	13,505,724
Loans receivable \| Commercial \| Owner occupied CRE
Classifications of loans
Total loans excluding fair value hedge basis adjustment	3,949,898	3,398,217
Total loans	3,949,898	3,398,217
Less ACL - loans	(24,888)	(19,873)	(23,542)	(19,834)
Loans receivable \| Commercial \| Income producing CRE
Classifications of loans
Total loans excluding fair value hedge basis adjustment	5,032,342	4,360,920
Total loans	5,032,342	4,360,920
Less ACL - loans	(44,071)	(41,427)	(47,755)	(32,082)
Loans receivable \| Commercial \| Commercial & industrial
Classifications of loans
Total loans excluding fair value hedge basis adjustment	2,696,291	2,428,376
Total loans	2,696,291	2,428,376
Less ACL - loans	(43,269)	(35,441)	(30,890)	(23,504)
Loans receivable \| Commercial \| Construction
Classifications of loans
Total loans excluding fair value hedge basis adjustment	997,802	1,655,710
Total loans	997,802	1,655,710
Less ACL - loans	(8,286)	(16,370)	(21,741)	(20,120)
Loans receivable \| Commercial \| Equipment financing
Classifications of loans
Total loans excluding fair value hedge basis adjustment	1,847,999	1,662,501
Total loans	1,847,999	1,662,501
Less ACL - loans	(45,852)	(47,415)	(33,383)	(23,395)
Loans receivable \| Residential \| Construction
Classifications of loans
Total loans excluding fair value hedge basis adjustment	190,625	178,405
Total loans	190,625	178,405
Less ACL - loans	(1,799)	(1,672)	(1,833)	(2,049)
Loans receivable \| Residential \| Residential mortgage
Classifications of loans
Total loans excluding fair value hedge basis adjustment	3,157,017	3,231,479
Total loans	3,157,017	3,231,479
Less ACL - loans	(29,241)	(32,259)	(28,219)	(20,809)
Loans receivable \| Residential \| Home equity
Classifications of loans
Total loans excluding fair value hedge basis adjustment	1,319,474	1,064,874
Total loans	1,319,474	1,064,874
Less ACL - loans	(11,849)	(11,247)	(9,647)	(8,707)
Loans receivable \| Residential \| Manufactured housing
Classifications of loans
Total loans excluding fair value hedge basis adjustment	0	1,723
Total loans	0	1,723
Less ACL - loans	0	(450)	(10,339)	(8,098)
Loans receivable \| Consumer Portfolio
Classifications of loans
Total loans excluding fair value hedge basis adjustment	187,536	186,448
Total loans	187,536	186,448
Less ACL - loans	$ (1,174)	$ (844)	$ (722)	$ (759)

Servicing Assets and Liabilities - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
SBA/USDA loans
Schedule Of Servicing Asset [Line Items]
Loans serviced for others not included in balance sheet	$ 388,000	$ 381,000
Contractually specified servicing fees earned by United on servicing rights	3,490	3,700	$ 3,970
Residential Mortgage [Member]
Schedule Of Servicing Asset [Line Items]
Loans serviced for others not included in balance sheet	3,150,000	3,020,000
Contractually specified servicing fees earned by United on servicing rights	7,920	7,640	$ 7,150
Equipment financing loans
Schedule Of Servicing Asset [Line Items]
Loans serviced for others not included in balance sheet	194,000	173,000
Servicing liabilities	$ 1,660	$ 1,420

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Preferred Stock	Common Stock	Common Stock	Common Stock Common Stock	Preferred Stock	Preferred Stock Preferred Stock	Capital Surplus	Capital Surplus Preferred Stock	Capital Surplus Common Stock	Retained Earnings	Retained Earnings Preferred Stock	Accumulated Other Comprehensive Income (Loss)
Beginning balance (in shares) at Dec. 31, 2022				106,222,758
Beginning balance at Dec. 31, 2022	$ 2,700,674			$ 106,223		$ 96,422		$ 2,318,673			$ 508,844		$ (329,488)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	187,544										187,544
Other comprehensive income	90,296												90,296
Common stock issued for acquisitions (in shares)				12,279,135
Common stock issued for acquisitions	394,140			$ 12,279				381,861
Purchases of preferred stock												$ 970
Purchases of stock (in shares)			0
Purchases of stock		$ (7,151)					$ (8,156)		$ 35
Preferred stock dividends	(6,635)										(6,635)
Common stock dividends	(109,504)										(109,504)
Impact of equity-based compensation awards (in shares)				461,601
Impact of equity-based compensation awards	11,819			$ 461				11,358
Impact of other equity plans (in shares)				46,825
Impact of other equity plans	342			$ 47				295
Ending balance (in shares) at Dec. 31, 2023				119,010,319
Ending balance at Dec. 31, 2023	3,261,525			$ 119,010		88,266		2,712,222			581,219		(239,192)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	252,397										252,397
Other comprehensive income	26,273												26,273
Purchases of stock (in shares)			0
Preferred stock dividends	(6,293)										(6,293)
Common stock dividends	(113,185)										(113,185)
Impact of equity-based compensation awards (in shares)				297,679
Impact of equity-based compensation awards	11,207			$ 298				10,909
Impact of other equity plans (in shares)				56,112
Impact of other equity plans	$ 203			$ 56				147
Ending balance (in shares) at Dec. 31, 2024	119,364,110			119,364,110
Ending balance at Dec. 31, 2024	$ 3,432,127			$ 119,364		88,266		2,723,278			714,138		(212,919)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	328,095										328,095
Other comprehensive income	62,347												62,347
Redemption of preferred stock	(91,541)					(88,266)					(3,275)
Common stock issued for acquisitions (in shares)				2,380,952
Common stock issued for acquisitions	65,738			$ 2,381				63,357
Purchases of stock (in shares)			(1,510,249)		(1,510,249)
Purchases of stock			$ (44,269)		$ (1,510)					$ (42,759)
Preferred stock dividends	(4,719)										(4,719)
Common stock dividends	(119,978)										(119,978)
Impact of equity-based compensation awards (in shares)				306,495
Impact of equity-based compensation awards	10,282			$ 306				9,976
Impact of other equity plans (in shares)				56,958
Impact of other equity plans	$ 604			$ 57				547
Ending balance (in shares) at Dec. 31, 2025	120,598,266			120,598,266
Ending balance at Dec. 31, 2025	$ 3,638,686			$ 120,598		$ 0		$ 2,754,399			$ 914,261		$ (150,572)

Long-term Debt and Short-term Borrowings - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Debt Instrument [Line Items]
Short-term borrowings	$ 85,000	$ 195,000
Loss (gain) on extinguishment of debt	(768)	$ 2,266	$ 0
2027 and 2023 Senior Debentures \| Senior debentures
Debt Instrument [Line Items]
Loss (gain) on extinguishment of debt	$ 768

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 815
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-Name Accounting Standards Codification
-Section 50
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
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-Subparagraph (SX 210.12-04(a))
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Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Commitments and Contingencies

12 Months Ended

Dec. 31, 2025

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies

The following table summarizes, as of the dates indicated, the contract amount of certain off-balance sheet instruments:


	December 31,
(in thousands)	2025		2024
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit	$	4,732,083	$	3,970,991
Letters of credit	53,008		57,983

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments may expire without being drawn on, the total commitment amounts do not necessarily represent future cash requirements.

Letters of credit are conditional commitments issued by United and could result in the commitment being drawn on when the underlying transaction is consummated between the customer and the third party or upon the non-performance of the customer. Those guarantees are primarily issued to local businesses and government agencies. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. In most cases, the Bank holds real estate, certificates of deposit, and other acceptable collateral as security supporting those commitments for which collateral is deemed necessary. The extent of collateral held for those commitments varies.

United maintains an ACL for these unfunded commitments, which is included in other liabilities in the consolidated balance sheets. The ACL for unfunded loan commitments is determined as part of the quarterly ACL analysis. See Note 1 for further detail.

For certain purchase card and credit card agreements between United customers and a third party institution, in the case of the borrower’s default, United will make the holder of the loan whole. As of December 31, 2025 and 2024, the outstanding balance of these purchase and credit card loans totaled $10.0 million and $3.25 million, respectively.

United, in the normal course of business, is subject to various pending and threatened lawsuits in which claims for monetary damages are asserted. Although it is not possible to predict the outcome of these lawsuits, or the range of any possible loss, management, after consultation with legal counsel, does not anticipate that the ultimate aggregate liability, if any, arising from these lawsuits will have a material adverse effect on financial position or results of operations.

Tax Credit and Certain Equity Investments

United invests in certain LIHTC partnerships throughout its market area as a means of supporting local communities, as well as in entities that promote renewable energy sources. United receives tax credits related to these investments. For certain of the investments, United provides financing during the construction and development phase of the related projects and/or permanent financing upon completion of the project. United has concluded that these partnerships are VIEs of which it is not the primary beneficiary because it does not have the power to direct the activities that most significantly impact the VIEs' financial performance and, therefore, is not required to consolidate these VIEs. United's maximum potential exposure to losses relative to investments in these VIEs is generally limited to the sum of the outstanding balance, future funding commitments and any related loans to the entity. Loans to these entities are underwritten in substantially the same manner as other loans and are generally secured.

United also has investments in and future funding commitments related to fintech fund limited partnerships, other community development entities and certain other equity method investments. United has concluded that these partnerships are VIEs of which

it is not the primary beneficiary because it does not have the power to direct the activities that most significantly impact the VIEs' financial performance and, therefore, is not required to consolidate these VIEs. The risk exposure relating to such commitments is generally limited to the amount of investments and future funding commitments made.

The following table summarizes, as of the dates indicated, tax credit and certain equity method investments:


	December 31,
(in thousands)	2025		2024
Investments in LIHTC:
Carrying amount	$	80,024	$	52,626
Amount of future funding commitments	41,539		16,179
Lending exposure (1)	42,474		14,344
Renewable energy investments:
Carrying amount	3,546		3,879
Amount of future funding commitments	12,274		6,884
Fintech funds and certain other equity method investments:
Carrying amount	50,390		36,976

Amount of future funding commitments	38,535		31,388

(1) Includes loans outstanding and future commitments to extend credit, net of participations.

The following table presents a summary of tax credits and amortization expense associated with those investments accounted for using the proportional amortization method for the periods indicated.


(in thousands)	Income Statement Location	2025		2024
Investments in LIHTC:
Income tax credits and other income tax benefits	Income tax expense	$	(9,264)	$	(7,986)
Amortization expense	Income tax expense	8,125		7,046

Renewable energy investments:
Income tax credits and other income tax benefits	Income tax expense	$	(9,880)	$	—
Amortization expense	Income tax expense	9,161		—

Commitments and Contingencies - Tax Credit and Certain Equity Method Investments (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Investments in LIHTC:
Other Commitments [Line Items]
Investment, Proportional Amortization Method, Elected, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Investments in LIHTC: Carrying amount	$ 80,024	$ 52,626
Fintech funds and certain other equity method investments:
Other Commitments [Line Items]
Amount of future funding commitments	38,535	31,388
Other assets \| Renewable energy investments:
Other Commitments [Line Items]
Carrying amount	3,546	3,879
Other assets \| Fintech funds and certain other equity method investments:
Other Commitments [Line Items]
Carrying amount	50,390	36,976
Other liabilities \| Investments in LIHTC:
Other Commitments [Line Items]
Investments in LIHTC: Amount of future funding commitments included in carrying amount	41,539	16,179
Other liabilities \| Renewable energy investments:
Other Commitments [Line Items]
Amount of future funding commitments	12,274	6,884
Loans and leases held for investment \| Investments in LIHTC:
Other Commitments [Line Items]
Investments in LIHTC: Lending exposure	$ 42,474	$ 14,344

Common and Preferred Stock (Details) $ / shares in Thousands		2 Months Ended	12 Months Ended
	Sep. 15, 2025 USD ($) $ / shares	Feb. 17, 2026 USD ($) shares	Dec. 31, 2025 USD ($) shares	Dec. 31, 2024 shares	Dec. 31, 2023 shares	Jan. 01, 2026 USD ($)
Class of Stock [Line Items]
Redemption of preferred stock			$ 91,541,000
Preferred Stock
Class of Stock [Line Items]
Redemption of preferred stock	$ 88,300,000		88,266,000
Common stock, par value $1 per share
Class of Stock [Line Items]
Repurchase program authorized amount			$ 100,000,000
Shares repurchased (in shares) \| shares			1,510,249	0	0
Stock repurchased value			$ 44,269,000
Common stock, par value $1 per share \| Subsequent Event
Class of Stock [Line Items]
Repurchase program authorized amount						$ 100,000,000
Shares repurchased (in shares) \| shares		1,090,402
Stock repurchased value		$ 37,100,000
Series I perpetual non-cumulative preferred stock
Class of Stock [Line Items]
Preferred stock dividend rate (percent)	6.875%
Interest per one share of preferred stock			0.001
Cash payment of redemption	$ 91,500,000
Liquidation preference per share (in dollars per share) \| $ / shares	$ 25
Issuance costs	$ 3,270,000

Acquisitions and Divestitures - Schedule of Pro Forma Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Business Combination [Line Items]
Supplemental consolidated pro forma revenue			$ 831,404
Supplemental consolidated pro forma net income			214,568
ANB
Business Combination [Line Items]
Actual revenue included since acquisition date	$ 10,276
Actual net income included since acquisition date	1,469
Supplemental consolidated pro forma revenue	1,067,451	$ 967,874
Supplemental consolidated pro forma net income	$ 334,170	$ 245,933
Progress
Business Combination [Line Items]
Actual revenue included since acquisition date			58,924
Actual net income included since acquisition date			20,836
First Miami
Business Combination [Line Items]
Actual revenue included since acquisition date			9,595
Actual net income included since acquisition date			$ (2,179)

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 4
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-Publisher FASB
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+ Details

Operating Leases - Schedule of ROU Asset and Operating Lease Liability (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Leases [Abstract]
ROU asset	$ 37,045	$ 42,818
Operating lease liability	$ 38,361	$ 45,162

Summary of Significant Accounting Policies (Details) - numberOfSegment	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024
Accounting Policies [Line Items]
Number of operating segments	1
ROU asset, balance sheet line item	Other assets	Other assets
Operating lease liability, balance sheet line item	Accrued Liabilities and Other Liabilities	Accrued Liabilities and Other Liabilities
Buildings and improvements \| Minimum
Accounting Policies [Line Items]
Estimated useful life (in years)	10 years
Buildings and improvements \| Maximum
Accounting Policies [Line Items]
Estimated useful life (in years)	40 years
Land improvements
Accounting Policies [Line Items]
Estimated useful life (in years)	10 years
Furniture and equipment \| Minimum
Accounting Policies [Line Items]
Estimated useful life (in years)	3 years
Furniture and equipment \| Maximum
Accounting Policies [Line Items]
Estimated useful life (in years)	10 years
Loan portfolio \| Credit concentration risk \| Real estate valuation changes
Accounting Policies [Line Items]
Concentration risk, percentage	76.00%

Time Deposits

12 Months Ended

Dec. 31, 2025

Deposits [Abstract]

Time Deposits

At December 31, 2025, the contractual maturities of time deposits, including brokered time deposits, are summarized as follows:


(in thousands)
2026	$	3,413,388
2027	159,145
2028	20,291
2029	15,116
2030	11,225
Thereafter	50,616
Total time deposits	$	3,669,781

At December 31, 2025 and 2024, time deposits, excluding brokered time deposits, that met or exceeded the FDIC insurance limit of $250,000 totaled $1.18 billion and $1.08 billion, respectively.

Condensed Financial Statements of United Community Banks, Inc. (Holding Company Only) (Tables)

12 Months Ended

Dec. 31, 2025

Condensed Financial Information Disclosure [Abstract]

Schedule of Condensed Balance Sheets

Balance Sheets

As of December 31, 2025 and 2024

(in thousands)


	2025		2024
Assets
Cash and cash equivalents	$	294,896	$	358,383
Investment in Bank	3,391,455		3,282,263
Investment in other subsidiaries	19,767		20,686
Other assets	114,096		98,357
Total assets	$	3,820,214	$	3,759,689
Liabilities and Shareholders’ Equity
Long-term debt	$	120,400	$	254,152
Other liabilities	61,128		73,410
Total liabilities	181,528		327,562
Shareholders’ equity	3,638,686		3,432,127
Total liabilities and shareholders’ equity	$	3,820,214	$	3,759,689

Schedule of Condensed Statements of Income

Statements of Income

For the Years Ended December 31, 2025, 2024 and 2023

(in thousands)


	2025		2024		2023
Dividends from Bank	$	355,856	$	152,500	$	197,900
Dividends from other subsidiaries	—		13,249		—
Shared service fees from subsidiaries	21,116		19,338		18,892
Other	7,392		13,718		303
Total income	384,364		198,805		217,095
Interest expense	8,414		15,344		15,650
Other expense	26,530		25,680		22,256
Total expenses	34,944		41,024		37,906
Income tax benefit	2,305		3,529		5,227
Income before equity in undistributed earnings of subsidiaries	351,725		161,310		184,416
Equity in undistributed earnings of subsidiaries	(23,630)		91,087		3,128
Net income	$	328,095	$	252,397	$	187,544

Schedule of Condensed Statements of Cash Flows

Statements of Cash Flows

For the Years Ended December 31, 2025, 2024 and 2023

(in thousands)


	2025		2024		2023
Operating activities:
Net income	$	328,095	$	252,397	$	187,544
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings of the subsidiaries	23,630		(91,087)		(3,128)

Loss (gain) on extinguishment of debt	768		(2,266)		—
Stock-based compensation	11,405		10,803		8,932
Change in assets and liabilities:
Other assets	(19,385)		16,199		(38,844)
Other liabilities	(12,559)		(31,226)		32,206
Net cash provided by operating activities	331,954		154,820		186,710
Investing activities:
Net cash received for acquisition	21		—		11,338

Purchases of debt securities available-for-sale and equity securities with readily determinable fair values	—		—		(1,869)

Proceeds from sales and maturities of debt securities available-for-sale and equity securities with readily determinable fair values	4,250		7,469		482

Other investing inflows	617		912		—
Other investing outflows	(5,060)		(3,162)		(3,805)

Net cash (used in) provided by investing activities	(172)		5,219		6,146
Financing activities:
Repayment of long-term debt	(135,000)		(78,557)		—


Cash paid for shares withheld to cover payroll taxes related to equity instruments	(3,368)		(2,866)		(3,015)
Proceeds from issuance of common stock for dividend reinvestment plan	327		329		309
Purchase of common stock	(44,269)		—		—
Proceeds from exercise of stock options	1,819		2,524		5,191
Redemption or repurchase of preferred stock	(91,541)		—		(7,151)

Cash dividends on preferred stock	(4,719)		(6,293)		(6,635)
Cash dividends on common stock	(118,518)		(112,316)		(105,085)
Other financing outflows	—		—		(3,300)
Net cash used in financing activities	(395,269)		(197,179)		(119,686)
Net change in cash	(63,487)		(37,140)		73,170
Cash at beginning of year	358,383		395,523		322,353
Cash at end of year	$	294,896	$	358,383	$	395,523

Acquisitions and Divestitures (Tables)

12 Months Ended

Dec. 31, 2025

Business Combination [Line Items]

Schedule of Actual Results and Pro Forma Information

The following table presents the actual results and pro forma information for the periods indicated.


	(Unaudited) Year Ended December 31,
(in thousands)	Revenue		Net Income
2025
Actual ANB results included in statement of income since acquisition date of May 1, 2025	$	10,276	$	1,469
Supplemental consolidated pro forma as if ANB had been acquired January 1, 2024	1,067,451		334,170

2024


Supplemental consolidated pro forma as if ANB had been acquired January 1, 2024	967,874		245,933

2023
Actual Progress results included in statement of income since acquisition date of January 3, 2023	$	58,924	$	20,836
Actual First Miami results included in statement of income since acquisition date of July 1, 2023	9,595		(2,179)
Supplemental consolidated pro forma as if First Miami and Progress had been acquired January 1, 2022	831,404		214,568

ANB

Business Combination [Line Items]

Schedule of Purchased Assets and Assumed Liabilities

The purchased assets and assumed liabilities were recorded at their acquisition date fair values and are summarized in the following table.


ANB

Fair Value Recorded by United
(in thousands, except for share data)	May 1, 2025
Assets
Cash and cash equivalents	$	41,246
Debt securities	56,503

Loans held for investment	301,303

BOLI	13,822
Net deferred tax asset	6,565
Core deposit intangible	6,290
Other assets	2,746
Total assets acquired	428,475
Liabilities
Deposits	374,468


Other liabilities	6,298
Total liabilities assumed	380,766
Total identifiable net assets	47,709
Consideration transferred

Common stock issued (2,380,952 shares)	65,738


Goodwill	$	18,029

Supplementary Information on Acquired Loans
	May 1, 2025
PCD loans:
Par value	$	42,649
ACL at acquisition	(1,251)
Non-credit discount	(2,998)
Purchase price	$	38,400

Non-PCD loans:
Fair value	$	262,903
Gross contractual amounts receivable	325,973
Estimate of contractual cash flows not expected to be collected	3,158

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Supplemental Cash Flow Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Cash paid during the period for:
Interest	$ 476,076	$ 551,355	$ 408,532
Federal	43,029	14,219	50,685
State and local	6,827	4,315	7,271
Total	49,856	18,534	57,956
Significant non-cash investing and financing transactions:
ROU assets recognized in exchange for lease liabilities	3,628	15,622	7,662
Contingent consideration receivable for FinTrust sale	0	7,623	0
Acquisitions:
Assets acquired, including goodwill	446,504	0	2,922,243
Liabilities assumed	380,766	0	2,527,654
Net assets acquired	65,738	0	394,589
Value of common stock issued	65,738		394,140
Options converted	0	0	10,017
Commitments to fund equity investments	30,600
Common Stock
Acquisitions:
Value of common stock issued	$ 65,738	$ 0	$ 384,123

Investments - Schedule of AFS Debt Securities in an Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	$ 240,770	$ 1,226,425
Unrealized Loss, Less than 12 Months	725	10,718
Fair Value, 12 Months or More	2,122,127	2,215,647
Unrealized Loss, 12 Months or More	147,606	221,178
Fair Value, Total	2,362,897	3,442,072
Unrealized Loss, Total	148,331	231,896
U.S. Treasuries
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	25,372	75,183
Unrealized Loss, Less than 12 Months	3	808
Fair Value, 12 Months or More	110,899	106,036
Unrealized Loss, 12 Months or More	3,750	8,391
Fair Value, Total	136,271	181,219
Unrealized Loss, Total	3,753	9,199
U.S. Government agencies & GSEs
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	49,487	101,964
Unrealized Loss, Less than 12 Months	167	388
Fair Value, 12 Months or More	211,151	190,525
Unrealized Loss, 12 Months or More	9,708	13,592
Fair Value, Total	260,638	292,489
Unrealized Loss, Total	9,875	13,980
State and political subdivisions
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	25	0
Unrealized Loss, Less than 12 Months	1	0
Fair Value, 12 Months or More	153,857	157,479
Unrealized Loss, 12 Months or More	10,234	16,809
Fair Value, Total	153,882	157,479
Unrealized Loss, Total	10,235	16,809
Residential MBS, Agency & GSE
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	60,042	773,257
Unrealized Loss, Less than 12 Months	61	7,593
Fair Value, 12 Months or More	841,090	896,691
Unrealized Loss, 12 Months or More	79,575	118,240
Fair Value, Total	901,132	1,669,948
Unrealized Loss, Total	79,636	125,833
Residential MBS, Non-agency
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	11,458	2,788
Unrealized Loss, Less than 12 Months	39	98
Fair Value, 12 Months or More	247,997	281,140
Unrealized Loss, 12 Months or More	12,982	18,292
Fair Value, Total	259,455	283,928
Unrealized Loss, Total	13,021	18,390
Commercial MBS, Agency & GSE
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	13,138	226,363
Unrealized Loss, Less than 12 Months	46	1,733
Fair Value, 12 Months or More	356,038	355,852
Unrealized Loss, 12 Months or More	24,851	33,510
Fair Value, Total	369,176	582,215
Unrealized Loss, Total	24,897	35,243
Commercial MBS, Non-agency
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	7,770	12,987
Unrealized Loss, 12 Months or More	87	336
Fair Value, Total	7,770	12,987
Unrealized Loss, Total	87	336
Corporate bonds
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	0	0
Unrealized Loss, Less than 12 Months	0	0
Fair Value, 12 Months or More	134,731	150,666
Unrealized Loss, 12 Months or More	5,886	11,579
Fair Value, Total	134,731	150,666
Unrealized Loss, Total	5,886	11,579
Asset-backed securities
Summary of AFS debt securities in an unrealized loss position
Fair Value, Less than 12 Months	81,248	46,870
Unrealized Loss, Less than 12 Months	408	98
Fair Value, 12 Months or More	58,594	64,271
Unrealized Loss, 12 Months or More	533	429
Fair Value, Total	139,842	111,141
Unrealized Loss, Total	$ 941	$ 527

Cybersecurity Risk Management and Strategy Disclosure	12 Months Ended
Cybersecurity Risk Management and Strategy Disclosure	Dec. 31, 2025
Cybersecurity Risk Management, Strategy, and Governance [Line Items]
Cybersecurity Risk Management Processes for Assessing, Identifying, and Managing Threats [Text Block]	Risk management and strategy The regulatory requirements referenced above recognize that, in the ordinary course of business, we rely on electronic communications and information systems to conduct our operations and store sensitive data. “Information systems” means electronic information resources that we own or use, including physical or virtual infrastructure controlled by these information resources, or components thereof, organized for the collection, processing, maintenance, use, sharing, dissemination, or disposition of the information necessary to maintain or support our operations. We face significant and persistent cybersecurity risks due to: the breadth of geographies, networks, and systems we must defend against cybersecurity attacks; the complexity, technical sophistication, value, and widespread use of our systems, products and processes; the attractiveness of our systems, products and processes to threat actors (including state-sponsored organizations) seeking to inflict harm on us or our customers; the substantial level of harm that could occur to us and our customers were we to suffer impacts of a material cybersecurity incident; and our use of third-party products, services and components. Because cybersecurity threats continue to evolve, we have been required and may continue to be required to expend significant resources to continue to implement, modify or enhance our protective measures or to investigate and remediate any information security vulnerabilities. Financial expenditures may also be required to meet regulatory changes in the information security and cybersecurity domains. Risks and exposures related to cybersecurity attacks are expected to remain significant for the foreseeable future due to the rapidly evolving nature and sophistication of these threats, as well as the expanding use of internet banking, mobile banking and other technology-based products and services by us and our customers. See “Item 1A. – Risk Factors” in this Report for a further discussion of risks related to cybersecurity. We believe our cyber risk management program is grounded in globally recognized best practices and standards, incorporating frameworks such as the Center for Internet Security’s Critical Security Controls, which provide prioritized, actionable safeguards to defend against common cyber threats, and the Cyber Risk Institute Profile, a standardized assessment framework for the financial sector built on the NIST Cybersecurity Framework. Our leveraging of these proven models is intended to ensure a comprehensive, risk-based approach that strengthens resilience, streamlines compliance, and supports continuous improvement across our organization. We periodically engage third parties to assess our cyber risk program and technical controls. To address cybersecurity threats (defined as potential unauthorized occurrences on or conducted through our information systems that may result in adverse effects on the confidentiality, integrity, or availability of those systems or any information residing in those systems therein), we have implemented an incident and event response program. That program, which is designed to identify, assess, manage, mitigate, and respond to cybersecurity threats, is integrated within our overall enterprise risk management and business continuity frameworks. We employ an in-depth, layered, defensive approach that leverages people, processes and technology to manage and maintain cybersecurity controls. We also employ a variety of preventative and detective tools to monitor, block, and provide alerts regarding suspicious activity relative to our information systems, as well as to report on any suspected advanced persistent threats. An ongoing enterprise-wide security awareness training program is in place to help protect our data, systems, and networks from malicious attacks and cyber threats. The program is designed to allow for the detection and timely and efficient recovery from cybersecurity incidents (defined as unauthorized occurrences, or a series of related unauthorized occurrences, on or conducted through our information systems that jeopardize the confidentiality, integrity, or availability of those systems or any information residing therein) and events by providing a well-defined, organized approach for handling any potential threats to the confidentiality, integrity, and/or availability of our information systems. In many instances we rely on third-party providers to facilitate providing products and services to our customers. As a part of our overall cybersecurity risk management framework and, in addition to assessing our own cybersecurity preparedness, we also have a process in place to manage cybersecurity risks associated with third-party service providers. To help mitigate adverse impacts from a cybersecurity incident, we assess third-party vendors as a part of our vendor onboarding and continued due diligence, which includes processes to assess information security posture. Depending upon the level of perceived security risk, we may impose security requirements upon a supplier, including: maintaining an effective security management program; abiding by information handling and asset management requirements; and notifying us in the event of any known or suspected cyber incident. We periodically conduct (or engage a third party to conduct) reviews of third-party hosted applications with a specific focus on any sensitive data shared with third parties. The internal business owners of hosted applications, depending upon the level of risk, are required to provide a report as to their controls (e.g., a System and Organization Controls (SOC) 2 or ISO 27001 (Information and Security Certification) or similar report). Our information security team in combination with other third-party vendors monitor our information systems for suspicious activity, such as unauthorized intrusions. Suspected or confirmed threats, incidents, or events, however, also may be reported by bank employees, customers, intrusion detection systems, third-party servicers, or government entities. Once reported, cybersecurity incidents are to be brought to the attention of our Information Technology and Security Team. Depending upon the nature and perceived threat level of the reported event, our overall enterprise risk management process would require the involvement of other management and response teams representing other groups (e.g., Information Technology, Information Security, Legal/Compliance, Corporate Security, Internal Audit, Human Resources, Finance/Accounting, Corporate Communications, Designated Cyber Coach) within our organization. Incident and risk event levels each vary from no (or low) risk to crisis (high) risk. The determination of the incident and risk level will dictate the level of personnel that will be responsible for addressing the incident, controlling the effects of the incident and formulating the response to the incident. Responses may include, when appropriate and/or required, notification to regulatory agencies (e.g., Federal Reserve, FinCEN, SEC), authorities (e.g., F.B.I., Department of Justice), customers, third parties or internal personnel. Each of the management and response teams, within its assigned level, is responsible for providing an orderly response to security incidents and risk events; preventing a serious loss of profits, public confidence, or information assets by providing an immediate, effective, and skillful response to any unexpected event which negatively impacts the confidentiality, integrity, and/or availability of our systems, network, or the non-public personal information of its customers, interruptions to customers’ experiences, or other anomalous situations; taking the steps it deems necessary to contain, mitigate, or resolve a security incident or risk event; and investigating suspected security incidents and risk events in a timely and cost effective manner, reporting findings to management, determining an appropriate course of action, and coordinating communications to customers, regulatory authorities, and law enforcement agencies as necessary. Following a cybersecurity incident, and during its investigation and the formulation of a response, our processes also envision measures designed to contain and/or eradicate the incident and prevent further effects. Once it is determined that the incident has been resolved, we then work to establish appropriate controls (if applicable) to address similar future events and/or prevent another similar event from occurring in the future. We have experienced, and will continue to experience, cyber incidents in the normal course of business. To date, however, we have not experienced any previous cybersecurity incidents that have materially affected or are reasonably likely to materially affect our business strategy, results of operations, or financial condition. To strengthen our organizational resilience and mitigate the likelihood and impact of future cybersecurity incidents, we routinely conduct structured tabletop exercises tailored for both technical teams and management audiences. These exercises help validate our response processes, improve cross-functional coordination, and ensure readiness across all levels of the organization. In addition, we maintain an active retainer with a qualified digital forensics firm, enabling rapid investigative support when needed, and we leverage access to specialized cyber coaches provided through our cyber insurance carrier to further enhance our preparedness and response capabilities.
Cybersecurity Risk Management Processes Integrated [Flag]	true
Cybersecurity Risk Management Processes Integrated [Text Block]	To address cybersecurity threats (defined as potential unauthorized occurrences on or conducted through our information systems that may result in adverse effects on the confidentiality, integrity, or availability of those systems or any information residing in those systems therein), we have implemented an incident and event response program. That program, which is designed to identify, assess, manage, mitigate, and respond to cybersecurity threats, is integrated within our overall enterprise risk management and business continuity frameworks. We employ an in-depth, layered, defensive approach that leverages people, processes and technology to manage and maintain cybersecurity controls. We also employ a variety of preventative and detective tools to monitor, block, and provide alerts regarding suspicious activity relative to our information systems, as well as to report on any suspected advanced persistent threats. An ongoing enterprise-wide security awareness training program is in place to help protect our data, systems, and networks from malicious attacks and cyber threats. The program is designed to allow for the detection and timely and efficient recovery from cybersecurity incidents (defined as unauthorized occurrences, or a series of related unauthorized occurrences, on or conducted through our information systems that jeopardize the confidentiality, integrity, or availability of those systems or any information residing therein) and events by providing a well-defined, organized approach for handling any potential threats to the confidentiality, integrity, and/or availability of our information systems.
Cybersecurity Risk Management Third Party Engaged [Flag]	true
Cybersecurity Risk Third Party Oversight and Identification Processes [Flag]	true
Cybersecurity Risk Materially Affected or Reasonably Likely to Materially Affect Registrant [Flag]	false
Cybersecurity Risk Board of Directors Oversight [Text Block]	As part of its oversight responsibilities over the Company risks and controls, the Board ultimately is responsible for overseeing our cyber and information security risks. The Board has delegated this responsibility to its Risk Committee. At each quarterly meeting of the Risk Committee, our CISO reports to the Risk Committee regarding security testing, training, audits, key cybersecurity metrics, and our efforts to identify, prepare for, prevent, and respond to critical threats. The Risk Committee receives regular updates on the status of our information security program, penetration testing results, infrastructure assessments, threat environment, security operations, operational events, vendor and supply chain security, and application/data security. On an annual basis, the CISO presents a cybersecurity program update to the Risk Committee.
Cybersecurity Risk Board Committee or Subcommittee Responsible for Oversight [Text Block]	As part of its oversight responsibilities over the Company risks and controls, the Board ultimately is responsible for overseeing our cyber and information security risks. The Board has delegated this responsibility to its Risk Committee.
Cybersecurity Risk Process for Informing Board Committee or Subcommittee Responsible for Oversight [Text Block]	At each quarterly meeting of the Risk Committee, our CISO reports to the Risk Committee regarding security testing, training, audits, key cybersecurity metrics, and our efforts to identify, prepare for, prevent, and respond to critical threats. The Risk Committee receives regular updates on the status of our information security program, penetration testing results, infrastructure assessments, threat environment, security operations, operational events, vendor and supply chain security, and application/data security. On an annual basis, the CISO presents a cybersecurity program update to the Risk Committee.
Cybersecurity Risk Role of Management [Text Block]	Each of the management and response teams, within its assigned level, is responsible for providing an orderly response to security incidents and risk events; preventing a serious loss of profits, public confidence, or information assets by providing an immediate, effective, and skillful response to any unexpected event which negatively impacts the confidentiality, integrity, and/or availability of our systems, network, or the non-public personal information of its customers, interruptions to customers’ experiences, or other anomalous situations; taking the steps it deems necessary to contain, mitigate, or resolve a security incident or risk event; and investigating suspected security incidents and risk events in a timely and cost effective manner, reporting findings to management, determining an appropriate course of action, and coordinating communications to customers, regulatory authorities, and law enforcement agencies as necessary.
Cybersecurity Risk Management Positions or Committees Responsible [Flag]	true
Cybersecurity Risk Management Positions or Committees Responsible [Text Block]	Our cybersecurity program is headed by our Chief Information Security Officer (CISO), who reports to our Chief Information Officer. Our CISO is informed about and monitors prevention, detection, mitigation and remediation efforts through regular communication and reporting from professionals in the information security team, several of whom have extensive records of service in financial institutions and cybersecurity. Our CISO has over 20 years of experience in IT operations/security roles in the financial services industry and holds a cybersecurity certification as a Certified Information Systems Security Professional (“CISSP”). Other members of our Information Security, Information Technology and Enterprise Risk teams possess respected security certifications such as CISSP, CompTIA Security+, SANS Institute Cloud Security Essentials, GIAC Certified Enterprise Defender, SANS Institute Security Awareness Professional, Certified Information Security Manager, GIAC Certified Incident Handler, Certified in Risk and Information Systems Control, and GIAC Cyber Threat Intelligence certifications, among others. As part of its oversight responsibilities over the Company risks and controls, the Board ultimately is responsible for overseeing our cyber and information security risks. The Board has delegated this responsibility to its Risk Committee. At each quarterly meeting of the Risk Committee, our CISO reports to the Risk Committee regarding security testing, training, audits, key cybersecurity metrics, and our efforts to identify, prepare for, prevent, and respond to critical threats. The Risk Committee receives regular updates on the status of our information security program, penetration testing results, infrastructure assessments, threat environment, security operations, operational events, vendor and supply chain security, and application/data security. On an annual basis, the CISO presents a cybersecurity program update to the Risk Committee.
Cybersecurity Risk Management Expertise of Management Responsible [Text Block]	Our CISO has over 20 years of experience in IT operations/security roles in the financial services industry and holds a cybersecurity certification as a Certified Information Systems Security Professional (“CISSP”). Other members of our Information Security, Information Technology and Enterprise Risk teams possess respected security certifications such as CISSP, CompTIA Security+, SANS Institute Cloud Security Essentials, GIAC Certified Enterprise Defender, SANS Institute Security Awareness Professional, Certified Information Security Manager, GIAC Certified Incident Handler, Certified in Risk and Information Systems Control, and GIAC Cyber Threat Intelligence certifications, among others.
Cybersecurity Risk Process for Informing Management or Committees Responsible [Text Block]	At each quarterly meeting of the Risk Committee, our CISO reports to the Risk Committee regarding security testing, training, audits, key cybersecurity metrics, and our efforts to identify, prepare for, prevent, and respond to critical threats. The Risk Committee receives regular updates on the status of our information security program, penetration testing results, infrastructure assessments, threat environment, security operations, operational events, vendor and supply chain security, and application/data security. On an annual basis, the CISO presents a cybersecurity program update to the Risk Committee.
Cybersecurity Risk Management Positions or Committees Responsible Report to Board [Flag]	true

Servicing Assets and Liabilities - Schedule of Key Characteristics, Inputs, and Economic Assumptions Used To Estimate The Fair Value of Residential Mortgage Loans Servicing Asset and Sensitivity (Details) - Residential Mortgage [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023	Dec. 31, 2022
Servicing Assets at Fair Value [Line Items]
Fair value of retained servicing assets	$ 41,231	$ 39,294	$ 35,897	$ 36,559
10% adverse change	(1,376)	(1,301)
20% adverse change	(2,687)	(2,536)
100 bps adverse change	(1,661)	(1,633)
200 bps adverse change	$ (3,220)	$ (3,151)
Weighted average
Servicing Assets at Fair Value [Line Items]
Prepayment rate assumption	7.50%	7.60%
Discount rate	9.60%	10.10%
Minimum
Servicing Assets at Fair Value [Line Items]
Prepayment rate assumption	5.50%	6.50%
Discount rate	9.50%	10.00%
Maximum
Servicing Assets at Fair Value [Line Items]
Prepayment rate assumption	25.30%	77.60%
Discount rate	12.50%	14.00%

Investments - Schedule of Securities Sales Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 547,338	$ 176,721	$ 880,224
Gross gains on sales	1,332	164	1,373
Gross losses on sales	(980)	(3,480)	(54,706)
Net losses on sales of securities	352	(3,316)	(53,333)
Income tax benefit attributable to sales	$ 85	$ (837)	$ (13,575)

Loans and Leases and Allowance for Credit Losses - Schedule of Components of Net Investment in Leases (Details) - Equipment financing - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]
Minimum future lease payments receivable	$ 117,209	$ 97,793
Estimated residual value of leased equipment	7,659	5,749
Initial direct costs	2,410	1,856
Security deposits	(496)	(491)
Unearned income	(18,411)	(15,412)
Net investment in leases	$ 108,371	$ 89,495

Subsequent Events (Details) - Common stock, par value $1 per share - USD ($) $ in Thousands	2 Months Ended	12 Months Ended
	Feb. 17, 2026	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Subsequent Event [Line Items]
Shares repurchased (in shares)		1,510,249	0	0
Stock repurchased value		$ 44,269
Subsequent Event
Subsequent Event [Line Items]
Shares repurchased (in shares)	1,090,402
Stock repurchased value	$ 37,100

- Definition

Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.

+ References + Details

- Definition

Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.

+ References + Details

Benefit Plans - Schedule of Estimated Future Benefit Payments Expected to be Paid (Details) - Modified Retirement Plan $ in Thousands	Dec. 31, 2025 USD ($)
Defined Benefit Plan Disclosure [Line Items]
2026	$ 1,234
2027	1,523
2028	1,560
2029	1,610
2030	1,724
2031-2035	$ 8,911

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Fair Value Measurements - Schedule of Loans Held for Sale at Fair Value Under the Fair Value Option (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2025	Dec. 31, 2024	Dec. 31, 2023
Mortgage Loans Held for Sale
Outstanding principal balance	$ 38,187	$ 56,097
Fair value	39,381	57,534
Mortgage loan gains and other related fees	$ (243)	$ 217	$ 900

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2025

Income Tax Disclosure [Abstract]

Schedule of Income Tax Expense

Income tax expense is as follows for the years indicated:


	Year Ended December 31,
(in thousands)	2025		2024		2023
Federal
Current	$	74,001	$	58,041	$	36,982
Deferred	11,309		4,546		4,013
Total federal	85,310		62,587		40,995
State
Current	10,171		5,372		1,630
Deferred	(1,080)		2,517		2,259
Total state	9,091		$	7,889	$	3,889
(Decrease) increase in valuation allowance	(84)		133		117
Total income tax expense	$	94,317	$	70,609	$	45,001

Schedule of Differences Between the Provision for Income Taxes and Statutory Federal Income Tax Rate


	Year Ended December 31,
(in thousands)	2025				2024				2023
	Amount		%		Amount		%		Amount		%
Pretax income at statutory rates	$	88,707	21.00	%	$	67,831	21.00	%	$	48,834	21.00	%

State taxes, net of federal benefit	7,116		1.68		6,337		1.96		3,164		1.36
Tax credits
Rehabilitation	(116)		(0.03)		(170)		(0.05)		(181)		(0.08)
Renewable energy	(9,161)		(2.17)		(596)		(0.18)		(3,820)		(1.64)
Low income housing	(7,876)		(1.86)		(7,067)		(2.19)		(6,280)		(2.70)
Nontaxable or nondeductible items
BOLI earnings	(2,027)		(0.48)		(1,896)		(0.59)		(1,685)		(0.72)
Tax-exempt interest revenue	(2,704)		(0.64)		(2,902)		(0.90)		(2,781)		(1.20)
FDIC premium expense	1,739		0.41		1,734		0.54		1,539		0.66
Tax losses from partnership investments	(2,107)		(0.50)		(929)		(0.29)		(1,129)		(0.49)
Share-based payment awards	(628)		(0.15)		(696)		(0.21)		(781)		(0.34)
Other	2,514		0.60		1,065		0.33		2,109		0.91
Other adjustments
Proportional amortization	17,286		4.09		7,046		2.18		6,680		2.87
Other, net	1,115		0.27		325		0.10		(778)		(0.33)
Changes in unrecognized tax benefits	459		0.11		527		0.16		110		0.05
Total income tax expense	$	94,317	22.33	%	$	70,609	21.86	%	$	45,001	19.35	%

Schedule of Summarizes the Sources and Expected Tax Consequences of Future Taxable Deductions (Revenue)

The following summarizes the sources and expected tax consequences of future taxable deductions (revenue) which comprise the net DTA as of the dates indicated:


	December 31,
(in thousands)	2025		2024
DTAs:
ACL	$	50,444	$	49,542
Net operating loss carryforwards	15,154		14,137
Deferred compensation	12,688		12,697
Loan purchase accounting adjustments	11,391		12,527

Nonqualified share based compensation	2,648		2,527
Accrued expenses	11,977		10,452


Unrealized losses on AFS securities	45,043		67,357


Deferred gains on SBA/USDA loan sales	1,560		1,483
Lease liability	9,294		10,843
Other	5,652		3,173
Total DTAs	165,851		184,738
DTLs:

Unrealized gains on cash flow hedges	949		5,534
Acquired intangible assets	10,362		11,669
Premises and equipment	16,004		14,408
Loan origination costs	13,930		11,893
True tax leases	19,600		13,362
Servicing assets	9,998		9,453
Derivatives	884		899
ROU asset	8,975		10,317
Securities purchase accounting adjustments	942		1,977
BOLI	1,566		1,734
Trust preferred securities debt issuance	1,398		1,453
Uncertain tax positions	2,542		2,158
Other	1,752		1,727
Total DTLs	88,902		86,584
Less valuation allowance	1,088		1,172
Net DTA	$	75,861	$	96,982

Schedule of Reconciliation of the Beginning and Ending Unrecognized Tax Benefit Related to Uncertain Tax Positions

A reconciliation of the beginning and ending unrecognized tax benefit related to uncertain tax positions is as follows for the years indicated:


(in thousands)	2025		2024		2023
Balance at beginning of year	$	3,535	$	2,956	$	2,848
Additions based on tax positions related to the current year	1,272		999		939
Decreases resulting from a lapse in the applicable statute of limitations	(582)		(420)		(831)

Balance at end of year	$	4,225	$	3,535	$	2,956

Insider Trading Arrangements	3 Months Ended
Insider Trading Arrangements	Dec. 31, 2025 shares
Trading Arrangements, by Individual
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false
Richard Bradshaw [Member]
Trading Arrangements, by Individual
Material Terms of Trading Arrangement	On December 4, 2025, Richard Bradshaw, President and Chief Banking Officer of United Community Bank, adopted a “Rule 10b5-1 trading arrangement” (as defined in Item 408(a) of Regulation S-K) that is intended to satisfy the affirmative defense of Rule 10b5-1(c) providing for the sale of up to $200,000 of United common stock until March 16, 2027 (the “2026 Rule 10b5-1 Plan”). Trading may commence under the 2026 Rule 10b5-1 Plan on April 24, 2026, following expiration of his current Rule 10b5-1 trading arrangement on February 23, 2026.
Name	Richard Bradshaw
Title	President and Chief Banking Officer of United Community Bank
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	December 4, 2025
Expiration Date	March 16, 2027
Arrangement Duration	326 days
Aggregate Available	200,000

Servicing Assets and Liabilities (Tables)

12 Months Ended

Dec. 31, 2025

Transfers and Servicing [Abstract]

Schedule of Changes in SBA/USDA Servicing Rights

The following table summarizes the changes in SBA/USDA servicing rights for the years indicated.


(in thousands)	2025		2024		2023
Beginning of period	$	4,697	$	5,444	$	5,188
Acquired servicing rights	—		—		95
Originated servicing rights capitalized upon sale of loans	1,416		955		1,906
Disposals	(687)		(983)		(1,082)
Changes in fair value due to change in inputs or assumptions used in the valuation	(546)		(719)		(663)
End of period	$	4,880	$	4,697	$	5,444

Schedule of Key Characteristics, Inputs, and Economic Assumptions Used to Estimate the Fair Value of SBA/USDA Loans Servicing Asset and Sensitivity


	December 31,
(dollars in thousands)	2025			2024
Fair value of retained servicing assets	$	4,880		$	4,697
Prepayment rate assumption:
Weighted average	19.7		%	20.4		%
Range	0.0% - 36.3%			0.0% - 39.0%
10% adverse change	$	(248)		$	(240)
20% adverse change	(475)			(458)
Discount rate:
Weighted average	11.7		%	11.8		%
Range	5.2% - 24.3%			3.5% - 23.5%
100 bps adverse change	$	(109)		$	(101)
200 bps adverse change	(213)			(198)

Schedule of Changes in Residential Mortgage Servicing Rights

The following table summarizes the changes in residential mortgage servicing rights for the years indicated.


(in thousands)	Residential Mortgage Servicing Rights
December 31, 2022	$	36,559

Originated servicing rights capitalized upon sale of loans	3,217
Disposals	(1,926)

Changes in fair value (1)	(1,953)

December 31, 2023	35,897

Originated servicing rights capitalized upon sale of loans	4,190
Disposals	(2,159)
Changes in fair value:
Changes in fair value due to change in inputs or assumptions used in the valuation	2,861
Changes in fair value due to decay, passage of time and other	(1,495)
December 31, 2024	39,294

Originated servicing rights capitalized upon sale of loans	5,368
Disposals	(2,196)
Changes in fair value:
Changes in fair value due to change in inputs or assumptions used in the valuation	935
Changes in fair value due to decay, passage of time and other	(2,170)
December 31, 2025	$	41,231

(1) Prior to 2024, the change in fair value related to changes in valuation inputs and assumptions, decay, passage of time and other factors was included within this line item.

Schedule of Key Characteristics, Inputs, and Economic Assumptions Used To Estimate The Fair Value of Residential Mortgage Loans Servicing Asset and Sensitivity


	December 31,
(dollars in thousands)	2025			2024
Fair value of retained servicing assets	$	41,231		$	39,294
Prepayment rate assumption:
Weighted average	7.5		%	7.6		%
Range	5.5% - 25.3%			6.5% - 77.6%
10% adverse change	$	(1,376)		$	(1,301)
20% adverse change	(2,687)			(2,536)
Discount rate:
Weighted average	9.6		%	10.1		%
Range	9.5% - 12.5%			10.0% - 14.0%
100 bps adverse change	$	(1,661)		$	(1,633)
200 bps adverse change	(3,220)			(3,151)