United Community Banks, Inc. (UCB) — Net Asset Quality Index
United Community Banks, Inc. (UCB) has a Net Asset Quality Index of 13.0% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $28.18 Billion minus total liabilities of $24.52 Billion yields net assets of $3.65 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check UCB asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
United Community Banks, Inc. Net Asset Quality Index Over Time (1996–2025)
This chart shows how United Community Banks, Inc.'s Net Asset Quality Index has evolved across 30 annual periods from 1996 to 2025. As of March 2026, the index stands at 13.0%, representing net assets of $3.65 Billion against total assets of $28.18 Billion USD. See working capital position of United Community Banks, Inc. to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for United Community Banks, Inc. (1996–2025)
The table below presents the year-by-year Net Asset Quality Index for United Community Banks, Inc. from 1996 to 2025, covering 30 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. For market capitalisation and the full company profile, see UCB market cap overview.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 13.0% | $3.64 Billion | $28.00 Billion | $24.36 Billion | ▲ +0.6 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 | — |