United Community Banks logo
United Community Banks UCBI

Annual report 2025
added 02-17-2026

report update icon

United Community Banks Net Debt 2011-2026 | UCBI

Net Debt can be roughly defined as financial liabilities that an entity classifies in the financing section together with the resources available to service those financial liabilities[1]

Net debt is the obligations that remain after deducting all assets and other liabilities from a company or individual. It represents the sum of debts that an organization or person must repay to their creditors or other parties.

Net debt can include various types of obligations such as loans, borrowings, lease liabilities, or credit card payments. It is important to note that net debt does not include current expenses or obligations such as payroll expenses or current bills.

Assessing net debt is an important financial indicator for evaluating the financial position of a company or individual. If net debt significantly exceeds assets, it may indicate financial difficulties and insolvency. In such cases, the company or individual may face difficulties in meeting their obligations and managing their finances.

Net debt can also be used to compare the financial stability of different companies. The lower the net debt relative to assets, the more stable and financially sound they are considered.

Overall, understanding net debt helps evaluate the financial soundness and ability of a company to meet their obligations. It is an important indicator that assists in making decisions about lending, investments, and financial management.

Annual Net Debt United Community Banks

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
-275 M -266 M -679 M -322 M -2.07 B -1.28 B 1.97 B 99.9 M 361 M 672 M 372 M 1.99 B 74.3 M 1.75 B 70 M

All numbers in USD currency

Indicator range from annual reports

Maximum Minimum Average
1.99 B -2.07 B 164 M

References

  1. Pizzo, M., Moscariello, N., & Vinciguerra, R. (2015). Market Incentives and Regulators' Activity Shaping Financial Information: An Analysis of the Net Debt Disclosure in Italy. International Journal of Business and Management, 10(1), 1.

Net Debt of other stocks in the Banks regional industry

Issuer Net Debt Price % 24h Market Cap Country
Ameris Bancorp Ameris Bancorp
ABCB
2.05 B $ 75.01 -0.35 % $ 5.13 B usaUSA
Signature Bank Signature Bank
SBNY
-8.42 B - - $ 4.41 B usaUSA
Allegiance Bancshares Allegiance Bancshares
ABTX
-159 M - -0.86 % $ 1.51 B usaUSA
Atlantic Capital Bancshares Atlantic Capital Bancshares
ACBI
-580 M - -1.48 % $ 566 M usaUSA
First Midwest Bancorp, Inc. First Midwest Bancorp, Inc.
FMBI
992 M - -1.2 % $ 2.26 B usaUSA
Banco Bradesco S.A. Banco Bradesco S.A.
BBDO
22 B $ 3.21 -1.23 % $ 13.1 M brasilBrasil
Banco BBVA Argentina S.A. Banco BBVA Argentina S.A.
BBAR
-228 B $ 13.25 3.39 % $ 450 B argentinaArgentina
Banco Santander-Chile Banco Santander-Chile
BSAC
11.7 T $ 31.34 -0.54 % $ 3.42 T chileChile
Ames National Corporation Ames National Corporation
ATLO
-51.6 M $ 26.93 -0.13 % $ 240 M usaUSA
Auburn National Bancorporation Auburn National Bancorporation
AUBN
-65.4 M $ 23.55 -0.63 % $ 82.4 M usaUSA
Bridgewater Bancshares Bridgewater Bancshares
BWB
430 M $ 17.18 -0.35 % $ 473 M usaUSA
Broadway Financial Corporation Broadway Financial Corporation
BYFC
-71.1 M $ 7.79 -0.32 % $ 65.9 M usaUSA
Byline Bancorp Byline Bancorp
BY
260 M $ 30.39 -0.78 % $ 1.36 B usaUSA
Cadence Bancorporation Cadence Bancorporation
CADE
-1.68 B - - $ 5.43 B usaUSA
C&F Financial Corporation C&F Financial Corporation
CFFI
-79.3 M $ 72.75 - $ 236 M usaUSA
Brookline Bancorp Brookline Bancorp
BRKL
976 M - - $ 974 M usaUSA
American National Bankshares American National Bankshares
AMNB
-44 M - - $ 508 M usaUSA
1895 Bancorp of Wisconsin 1895 Bancorp of Wisconsin
BCOW
-92.5 M - -6.47 % $ 52 M usaUSA
CBM Bancorp CBM Bancorp
CBMB
-42.6 M - 0.52 % $ 61.6 M usaUSA
Berkshire Hills Bancorp Berkshire Hills Bancorp
BHLB
-1.25 B - -0.65 % $ 1.11 B usaUSA
Columbia Banking System Columbia Banking System
COLB
4.49 B $ 26.48 0.49 % $ 6.3 B usaUSA
Customers Bancorp Customers Bancorp
CUBI
1.54 B $ 66.82 0.6 % $ 2.16 B usaUSA
Chemung Financial Corporation Chemung Financial Corporation
CHMG
-97.4 M $ 53.23 -0.13 % $ 256 M usaUSA
Spirit of Texas Bancshares, Inc. Spirit of Texas Bancshares, Inc.
STXB
-161 M - -0.23 % $ 446 M usaUSA
People's United Financial, Inc. People's United Financial, Inc.
PBCT
-2.51 B - - $ 8.34 B usaUSA
Citizens Holding Company Citizens Holding Company
CIZN
-76.5 M - -5.65 % $ 49.5 M usaUSA
Columbia Financial Columbia Financial
CLBK
843 M $ 17.54 0.4 % $ 1.79 B usaUSA
Bank of Marin Bancorp Bank of Marin Bancorp
BMRC
-142 M $ 23.9 -0.58 % $ 381 M usaUSA
Dime Community Bancshares Dime Community Bancshares
DCOM
1.71 B $ 32.38 0.59 % $ 1.39 B usaUSA
Comerica Incorporated Comerica Incorporated
CMA
-131 M - - $ 11.8 B usaUSA
Bankwell Financial Group Bankwell Financial Group
BWFG
-189 M $ 46.83 -0.43 % $ 363 M usaUSA
The Bank of Princeton The Bank of Princeton
BPRN
-58.4 M $ 33.43 -0.24 % $ 225 M usaUSA
Capital City Bank Group Capital City Bank Group
CCBG
-312 M $ 42.09 -1.29 % $ 715 M usaUSA
American River Bankshares American River Bankshares
AMRB
-21.7 M - 2.00 % $ 125 M usaUSA
Bank of Commerce Holdings Bank of Commerce Holdings
BOCH
-74.1 M - -1.56 % $ 254 M usaUSA
Citizens Financial Group Citizens Financial Group
CFG
-1.5 B $ 56.96 1.06 % $ 24.7 B usaUSA
CIT Group Inc. CIT Group Inc.
CIT
2.12 B - -1.4 % $ 4.74 B usaUSA
Cullen/Frost Bankers Cullen/Frost Bankers
CFR
8.07 B $ 130.79 -0.95 % $ 8.38 B usaUSA
First Bancorp First Bancorp
FBNC
-235 M $ 53.23 0.23 % $ 2.19 B usaUSA
First BanCorp. First BanCorp.
FBP
-598 M $ 20.69 0.58 % $ 3.4 B puerto-ricoPuerto-rico
First Foundation First Foundation
FFWM
-1.16 B $ 5.63 -0.27 % $ 465 M usaUSA
Eagle Bancorp Montana Eagle Bancorp Montana
EBMT
-18.5 M $ 20.87 -0.48 % $ 163 M usaUSA
FS Bancorp FS Bancorp
FSBW
84.2 M $ 38.42 -1.47 % $ 289 M usaUSA
Emclaire Financial Corp Emclaire Financial Corp
EMCF
5.92 M - -4.21 % $ 86.4 M usaUSA
Banco Macro S.A. Banco Macro S.A.
BMA
-359 B $ 66.91 2.41 % $ 14.4 M argentinaArgentina
F.N.B. Corporation F.N.B. Corporation
FNB
-597 M $ 16.1 0.44 % $ 5.81 B usaUSA
Amerant Bancorp Amerant Bancorp
AMTB
-348 M $ 20.76 -0.67 % $ 863 M usaUSA
First Bank First Bank
FRBA
90.8 M $ 15.17 -0.26 % $ 302 M usaUSA
Bank First Corporation Bank First Corporation
BFC
201 M $ 136.68 0.29 % $ 1.35 B usaUSA
Grupo Financiero Galicia S.A. Grupo Financiero Galicia S.A.
GGAL
-519 B $ 41.84 2.4 % $ 3.54 B argentinaArgentina