FinObservatory

SEC filings / CIK 857855

UNITED COMMUNITY BANKS INC

State commercial banks, SC. 15 10-K filer-years in this dataset, the most recent for FY2025, filed Feb 17, 2026. Every figure below is as filed by the company and untouched: FinObservatory has not restated, rescaled or corrected anything, and a blank is a fact the filing does not tag, not a zero.

This is the SEC holding company, identified by its Central Index Key. It is not the insured bank subsidiary that appears in /banks and /deposits, which are FDIC call-report entities on a different consolidation. Nothing here should be compared line for line with those.

Held-to-maturity gap against reported equity

The fair value of the held-to-maturity book minus its carrying amount, divided by the stockholders’ equity the same filing reports. Years marked n/a are years in which the filing does not tag one of the three.

-20-15-10-505FY2011: HTM fair value less carrying amount, +2.3% of reported stockholders’ equityFY2012: HTM fair value less carrying amount, +2.9% of reported stockholders’ equityFY2013: HTM fair value less carrying amount, +0.7% of reported stockholders’ equityFY2014: HTM fair value less carrying amount, +1.3% of reported stockholders’ equityFY2015: HTM fair value less carrying amount, +0.7% of reported stockholders’ equityFY2016: HTM fair value less carrying amount, +0.3% of reported stockholders’ equityFY2017: HTM fair value less carrying amount, +0.0% of reported stockholders’ equityFY2018: HTM fair value less carrying amount, -0.4% of reported stockholders’ equityFY2019: HTM fair value less carrying amount, +0.3% of reported stockholders’ equityFY2020: HTM fair value less carrying amount, +0.8% of reported stockholders’ equityFY2021: HTM fair value less carrying amount, -0.3% of reported stockholders’ equityFY2022: HTM fair value less carrying amount, -15.6% of reported stockholders’ equityFY2023: HTM fair value less carrying amount, -12.1% of reported stockholders’ equityn/an/a111213141516171819202122232425Fiscal year of the 10-K% of reported stockholders’ equity

The gap is computable for 13 of this company’s 15 filings.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: consolidated USD balance-sheet instants at each filing's own period end, from this company's 10-K submissions with prevrpt = 0. Methodology

Filing history, as filed

FYFiledAssetsDepositsEquityAOCIHTM carryingHTM fair valueGap, % of equityCustom facts
2025pFeb 17, 2026$28.00bn$23.80bn$3.64bn-$150.6mn/a$1.92bnn/a12.7%
2024Feb 27, 2025$27.72bn$23.46bn$3.43bn-$212.9mn/a$1.94bnn/a14.7%
2023Feb 23, 2024$27.30bn$23.31bn$3.26bn-$239.2m$2.49bn$2.10bn-12.1%15.2%
2022Feb 24, 2023$24.01bn$19.88bn$2.70bn-$329.5m$2.61bn$2.19bn-15.6%15.0%
2021Feb 25, 2022$20.95bn$18.24bn$2.22bn-$26.5m$1.16bn$1.15bn-0.3%13.3%
2020Feb 25, 2021$17.79bn$15.23bn$2.01bn$37.7m$420.4m$437.2m+0.8%10.1%
2019Feb 27, 2020$12.92bn$10.90bn$1.64bn$8.4m$283.5m$287.9m+0.3%15.6%
2018Feb 27, 2019$12.57bn$10.53bn$1.46bn-$41.6m$274.4m$268.8m-0.4%13.4%
2017Feb 27, 2018$11.92bn$9.81bn$1.30bn-$25.2m$321.1m$321.3m+0.0%14.2%
2016Feb 27, 2017$10.71bn$8.64bn$1.08bn-$26.5m$329.8m$333.2m+0.3%11.3%
2015Feb 26, 2016$9.63bn$7.88bn$1.02bn-$25.5m$364.7m$371.7m+0.7%16.0%
2014Feb 27, 2015$7.57bn$6.33bn$739.6m-$18.8m$415.3m$425.2m+1.3%27.1%
2013Feb 28, 2014$7.43bn$6.20bn$795.7m-$19.8m$479.7m$485.6m+0.7%28.3%
2012Mar 1, 2013$6.80bn$5.95bn$581.4m-$23.6m$244.2m$261.1m+2.9%24.4%
2011Mar 14, 2012$6.98bn$6.10bn$575.5m-$3.3m$330.2m$343.5m+2.3%20.6%

ext marks a carrying amount tagged with a company-invented element. p marks FY2025, which the dataset’s filing window (closing Mar 31, 2026) leaves incomplete across filers. “Custom facts” is the share of that filing’s consolidated facts carrying a company-invented tag, in any unit.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: this company's 10-K submissions with prevrpt = 0, one per fiscal year by latest filed date; consolidated USD instants at each filing's period end. Dollar columns are raw US dollars. Methodology

What this page cannot tell you

  • A blank in the held-to-maturity columns means the filing does not tag that fact on the consolidated face. It does not mean the company holds no held-to-maturity securities, and this dataset cannot distinguish the two.
  • A held-to-maturity gap is not a realised loss. Held to maturity, the securities pay par. The gap measures how far the reported equity sits from a mark-to-market equity, which becomes a solvency question only if the book must be sold.
  • AOCI is not the held-to-maturity mark. It bundles available-for-sale marks, hedge marks, pension and translation, net of tax. Do not add the two columns.
  • Every value is as filed. A scale error, sign error or mis-tag by the company is reproduced here exactly as the company made it.

Pages exist for the 650 bank and thrift holding companies with at least one 10-K from FY2015 onward, out of 900 with a 10-K anywhere in the dataset.