United Community Banks, Inc. - Asset Resilience Ratio

Latest as of September 2025: 13.82%

United Community Banks, Inc. (UCB) has an Asset Resilience Ratio of 13.82% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See how liquid is United Community Banks, Inc.'s working capital to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$3.89 Billion

Cash + Short-term Investments

Total Assets

$28.14 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2011–2024)

This chart shows how United Community Banks, Inc.'s Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see United Community Banks, Inc. total assets.

Liquid Assets Composition Over Time

This chart breaks down United Community Banks, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore how much of United Community Banks, Inc.'s assets are long-term investments to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$3.89 Billion	13.82%
Total Liquid Assets	$3.89 Billion	13.82%

Asset Resilience Insights

Moderate Liquidity: United Community Banks, Inc. has 13.82% of assets in liquid form.
While adequate for normal operations, this level may limit flexibility during economic stress.
The company has significant short-term investments, indicating active treasury management.

United Community Banks, Inc. Industry Peers by Asset Resilience Ratio

Compare United Community Banks, Inc.'s asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

Annual Asset Resilience Ratio for United Community Banks, Inc. (2011–2024)

The table below shows the annual Asset Resilience Ratio data for United Community Banks, Inc..

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2024-12-31	16.00%	$4.44 Billion	$27.72 Billion	+3.80pp
2023-12-31	12.20%	$3.33 Billion	$27.30 Billion	-2.85pp
2022-12-31	15.05%	$3.61 Billion	$24.01 Billion	-6.41pp
2021-12-31	21.47%	$4.50 Billion	$20.95 Billion	+3.35pp
2020-12-31	18.12%	$3.22 Billion	$17.79 Billion	+0.51pp
2019-12-31	17.61%	$2.27 Billion	$12.92 Billion	-3.29pp
2018-12-31	20.91%	$2.63 Billion	$12.57 Billion	-1.05pp
2017-12-31	21.95%	$2.62 Billion	$11.92 Billion	-0.76pp
2016-12-31	22.71%	$2.43 Billion	$10.71 Billion	-1.11pp
2015-12-31	23.83%	$2.29 Billion	$9.62 Billion	+0.27pp
2014-12-31	23.56%	$1.78 Billion	$7.57 Billion	-1.12pp
2013-12-31	24.67%	$1.83 Billion	$7.43 Billion	-2.30pp
2012-12-31	26.97%	$1.83 Billion	$6.80 Billion	+1.34pp
2011-12-31	25.63%	$1.79 Billion	$6.98 Billion	--

pp = percentage points

About United Community Banks, Inc.

NASDAQ:UCB USA Banks - Regional

Market Cap

$3.78 Billion

Market Cap Rank

#4310 Global

#1487 in USA

Share Price

$31.11

Change (1 day)

-0.80%

52-Week Range

$28.94 - $32.40

All Time High

$36.63