Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
Interest revenue:
Loans, including fees	$ 297,929	$ 291,574	$ 860,269	$ 867,152
Investment securities, including tax exempt of $1,681, $1,713, $5,030 and $5,133, respectively	53,203	52,997	167,915	149,496
Deposits in banks and short-term investments	2,718	4,515	8,388	16,131
Total interest revenue	353,850	349,086	1,036,572	1,032,779
Interest expense:
Deposits	118,475	136,149	356,545	404,395
Short-term borrowings	25	27	1,215	87
Federal Home Loan Bank advances	0	0	433	0
Long-term debt	1,721	3,724	7,198	11,262
Total interest expense	120,221	139,900	365,391	415,744
Net interest revenue	233,629	209,186	671,181	617,035
Noninterest income:
Wealth management fees	4,757	6,338	13,622	19,037
Net gains (losses) from sales of other loans	2,385	(25,700)	5,776	(22,867)
Lending and loan servicing fees	4,235	3,512	12,090	11,050
Securities gains, net	49	0	341	0
Other	13,295	9,933	32,107	28,812
Total noninterest income	43,219	8,091	113,583	84,234
Total revenue	276,848	217,277	784,764	701,269
Provision for credit losses	7,907	14,428	35,144	39,562
Noninterest expense:
Salaries and employee benefits	90,667	83,533	261,931	254,336
Communications and equipment	13,937	12,626	40,968	36,534
Occupancy	11,502	11,311	33,366	33,466
Advertising and public relations	2,053	2,041	6,815	6,401
Postage, printing and supplies	2,735	2,477	7,791	7,376
Professional fees	6,282	6,432	17,822	18,464
Lending and loan servicing expense	2,428	2,227	6,745	6,068
Outside services - electronic banking	3,543	4,433	9,876	10,163
FDIC assessments and other regulatory charges	4,846	5,003	14,233	17,036
Amortization of intangibles	3,313	3,528	9,891	11,209
Merger-related and other charges	3,468	2,176	9,598	6,420
Other	6,094	7,278	20,850	27,638
Total noninterest expense	150,868	143,065	439,886	435,111
Income before income taxes	118,073	59,784	309,734	226,596
Income tax expense	26,579	12,437	68,094	50,003
Net income	91,494	47,347	241,640	176,593
Net income available to common shareholders, basic	86,139	45,502	232,290	170,886
Net income available to common shareholders, diluted	$ 86,139	$ 45,502	$ 232,290	$ 170,886
Net income per common share:
Basic (in dollars per share)	$ 0.71	$ 0.38	$ 1.92	$ 1.43
Diluted (in dollars per share)	$ 0.70	$ 0.38	$ 1.91	$ 1.43
Weighted average common shares outstanding:
Basic (in shares)	122,116	119,818	121,186	119,736
Diluted (in shares)	122,252	119,952	121,303	119,827
Service charges and fees
Noninterest income:
Service charges and other related fees	$ 11,400	$ 10,488	$ 31,057	$ 30,372
Mortgage loan gains and other related fees
Noninterest income:
Service charges and other related fees	$ 7,098	$ 3,520	$ 18,590	$ 17,830

UNITED COMMUNITY BANKS INC 10-Q