United Community Banks, Inc. - Asset Resilience Ratio

Latest as of March 2026: 12.69%

United Community Banks, Inc. (UCB) has an Asset Resilience Ratio of 12.69% as of March 2026. 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. Check UCB strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$3.57 Billion

Cash + Short-term Investments

Total Assets

$28.18 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2011–2025)

This chart shows how United Community Banks, Inc.'s Asset Resilience Ratio has changed over time. See UCB net asset quality index to measure how much of total assets are equity-financed.

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. For market capitalisation and broader financial context, see market cap of United Community Banks, Inc..

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$3.57 Billion	12.69%
Total Liquid Assets	$3.57 Billion	12.69%

Asset Resilience Insights

Moderate Liquidity: United Community Banks, Inc. has 12.69% 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
M&T Bank Corporation NYSE:MTB	Banks - Regional	18.03%
Bank of Nanjing Co Ltd SHG:601009	Banks - Regional	-5.31%
Krung Thai Bank Public Company Limited F:NVPB	Banks - Regional	10.51%
BSP Financial Group Ltd AU:BFL	Banks - Regional	19.89%
Aktia Bank Abp HE:AKTIA	Banks - Regional	-7.45%
Banco Santander Brasil SA BA:BSBR	Banks - Regional	4.53%
Caisse régionale de Crédit Agricole Mutuel d-Ille-et-Vilaine SC PA:CIV	Banks - Regional	-6.94%
1895 of Wisconsin Inc Bancorp NASDAQ:BCOW	Banks - Regional	15.02%

Annual Asset Resilience Ratio for United Community Banks, Inc. (2011–2025)

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

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	13.39%	$3.75 Billion	$28.00 Billion	-2.61pp
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.

NYSE:UCB USA Banks - Regional

Market Cap

$4.00 Billion

Market Cap Rank

#4249 Global

#1436 in USA

Share Price

$33.38

Change (1 day)

+1.61%

52-Week Range

$29.71 - $36.51

All Time High

$36.51