United Community Banks (UCB) Q3 2026 Earnings Call Transcript

United Community Banks outlined solid momentum in its Q3 2026 earnings call, led by growth in earnings and lending activity. Operating EPS rose to $0.77 per share from $0.71 in Q2 2026, supported by higher net interest revenue. The bank reported core loan growth of 10% annualized excluding the Navitas sale and the Peach State acquisition, with loan production exceeding $1 billion for the second straight quarter and new-hire loan production of $170 million (about 40% of funded loan growth). Core deposits grew 8% annualized, adding $473 million excluding acquired balances. Net interest margin held at 3.7%, while net charge-offs were 9 basis points. Management also reported an operating efficiency ratio of 53.1% and reiterated Q4 EPS guidance of $0.80–$0.83.