United Community Banks, Inc. (NYSE:UCB) Q3 2025 Earnings Call October 22, 2025 9:00 AM EDT
Company Participants
Herbert Harton – Chairman & CEO
Jefferson Harralson – Executive VP & CFO
Richard Bradshaw – President & Chief Banking Officer
Robert Edwards – Executive VP & Chief Risk Officer
Conference Call Participants
Stephen Scouten – Piper Sandler & Co., Research Division
Gary Tenner – D.A. Davidson & Co., Research Division
Michael Rose – Raymond James & Associates, Inc., Research Division
Russell Elliott Gunther – Stephens Inc., Research Division
Catherine Mealor – Keefe, Bruyette, & Woods, Inc., Research Division
Kyle Gierman
Presentation
Operator
Good morning and welcome to United Community Banks’ Third Quarter 2025 Earnings Call. Hosting our call today are Chairman and Chief Executive Officer, Lynn Harton; Chief Financial Officer, Jefferson Harralson; President and Chief Banking Officer, Rich Bradshaw; and Chief Risk Officer, Rob Edwards.
United’s presentation today includes references to operating earnings, pretax, precredit earnings and other non-GAAP financial information. For these non-GAAP financial measures, United has provided a reconciliation to the corresponding GAAP financial measure in the financial highlights section of the earnings release as well as at the end of the investor presentation. Both are included on the website at ucbi.com. Copies of the first quarter’s earnings release and investor presentation were filed this morning on Form 8-K with the SEC and a replay of this call will be available in the Investor Relations section of the company’s website at ucbi.com. Please be aware that during this call, forward-looking statements may be made by representatives of United. Any forward-looking statements should be considered in light of risks and uncertainties described on Pages 5 and 6 of the company’s 2024 Form 10-K as well as other information provided by the company in its filings with the SEC and included on its website.
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