United Community Banks, Inc. (UCB) — Net Asset Quality Index
United Community Banks, Inc. (UCB) has a Net Asset Quality Index of 12.8% as of September 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $28.14 Billion minus total liabilities of $24.55 Billion yields net assets of $3.60 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Read United Community Banks, Inc. debt and liabilities for a breakdown of total debt and financial obligations.
Quality Index
Net Assets
Total Assets
Total Liabilities
United Community Banks, Inc. Net Asset Quality Index Over Time (1996–2024)
This chart shows how United Community Banks, Inc.'s Net Asset Quality Index has evolved across 29 annual periods from 1996 to 2024. As of September 2025, the index stands at 12.8%, representing net assets of $3.60 Billion against total assets of $28.14 Billion USD. For live market cap and overall valuation, see UCB market cap.
Annual Net Asset Quality Index for United Community Banks, Inc. (1996–2024)
The table below presents the year-by-year Net Asset Quality Index for United Community Banks, Inc. from 1996 to 2024, covering 29 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. Check UCB strategic asset allocation to assess the company's strategic physical and investment asset allocation.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 12.4% | $3.43 Billion | $27.72 Billion | $24.29 Billion | ▲ +0.4 pp |
| 2023 | 11.9% | $3.26 Billion | $27.30 Billion | $24.04 Billion | ▲ +0.7 pp |
| 2022 | 11.2% | $2.70 Billion | $24.01 Billion | $21.31 Billion | ▲ +0.6 pp |
| 2021 | 10.6% | $2.22 Billion | $20.95 Billion | $18.72 Billion | ▼ -0.7 pp |
| 2020 | 11.3% | $2.01 Billion | $17.79 Billion | $15.79 Billion | ▼ -1.4 pp |
| 2019 | 12.7% | $1.64 Billion | $12.92 Billion | $11.28 Billion | ▲ +1.1 pp |
| 2018 | 11.6% | $1.46 Billion | $12.57 Billion | $11.12 Billion | ▲ +0.7 pp |
| 2017 | 10.9% | $1.30 Billion | $11.92 Billion | $10.61 Billion | ▲ +0.9 pp |
| 2016 | 10.0% | $1.08 Billion | $10.71 Billion | $9.63 Billion | ▼ -0.5 pp |
| 2015 | 10.6% | $1.02 Billion | $9.62 Billion | $8.60 Billion | ▲ +0.8 pp |
| 2014 | 9.8% | $739.58 Million | $7.57 Billion | $6.83 Billion | ▼ -0.9 pp |
| 2013 | 10.7% | $795.72 Million | $7.43 Billion | $6.63 Billion | ▲ +2.2 pp |
| 2012 | 8.5% | $581.40 Million | $6.80 Billion | $6.22 Billion | ▲ +0.3 pp |
| 2011 | 8.2% | $575.49 Million | $6.98 Billion | $6.41 Billion | ▼ -0.3 pp |
| 2010 | 8.5% | $635.51 Million | $7.44 Billion | $6.81 Billion | ▼ -3.5 pp |
| 2009 | 12.0% | $962.32 Million | $8.00 Billion | $7.04 Billion | ▲ +0.5 pp |
| 2008 | 11.5% | $989.38 Million | $8.59 Billion | $7.60 Billion | ▲ +1.4 pp |
| 2007 | 10.1% | $831.90 Million | $8.21 Billion | $7.38 Billion | ▲ +1.5 pp |
| 2006 | 8.7% | $616.77 Million | $7.10 Billion | $6.48 Billion | ▲ +0.6 pp |
| 2005 | 8.1% | $472.69 Million | $5.87 Billion | $5.39 Billion | ▲ +0.3 pp |
| 2004 | 7.8% | $397.09 Million | $5.09 Billion | $4.69 Billion | ▲ +0.4 pp |
| 2003 | 7.4% | $299.37 Million | $4.07 Billion | $3.77 Billion | ▲ +0.5 pp |
| 2002 | 6.9% | $221.58 Million | $3.21 Billion | $2.99 Billion | ▼ -0.2 pp |
| 2001 | 7.1% | $194.66 Million | $2.75 Billion | $2.55 Billion | ▲ +0.8 pp |
| 2000 | 6.3% | $158.39 Million | $2.53 Billion | $2.37 Billion | ▲ +1.3 pp |
| 1999 | 5.0% | $119.31 Million | $2.38 Billion | $2.27 Billion | ▼ -1.4 pp |
| 1998 | 6.4% | $115.36 Million | $1.81 Billion | $1.70 Billion | ▼ -0.1 pp |
| 1997 | 6.5% | $75.11 Million | $1.15 Billion | $1.08 Billion | ▲ +0.2 pp |
| 1996 | 6.3% | $52.40 Million | $828.03 Million | $775.63 Million | — |