United Community Banks, Inc. (UCB) — Tangible Net Worth Ratio
United Community Banks, Inc. (UCB) has a Tangible Net Worth Ratio of 98.7% as of September 2025. This metric is calculated by deducting intangible assets ($45.95 Million) from net assets ($3.60 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See United Community Banks, Inc. current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
United Community Banks, Inc. Tangible Net Worth Ratio (1996–2024)
This chart shows how United Community Banks, Inc.'s Tangible Net Worth Ratio has changed across 29 annual periods from 1996 to 2024. As of September 2025, the ratio stands at 98.7%, reflecting net assets of $3.60 Billion with intangible assets of $45.95 Million USD. See UCB defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for United Community Banks, Inc. (1996–2024)
The table below presents the year-by-year Tangible Net Worth Ratio for United Community Banks, Inc. from 1996 to 2024, covering 29 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see how much is United Community Banks, Inc. worth.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 98.6% | $3.43 Billion | $49.55 Million | $27.72 Billion | ▲ +0.7 pp |
| 2023 | 97.8% | $3.26 Billion | $70.17 Million | $27.30 Billion | ▼ -1.1 pp |
| 2022 | 99.0% | $2.70 Billion | $28.07 Million | $24.01 Billion | ▼ -0.1 pp |
| 2021 | 99.1% | $2.22 Billion | $20.40 Million | $20.95 Billion | ▼ -0.2 pp |
| 2020 | 99.3% | $2.01 Billion | $14.01 Million | $17.79 Billion | ▲ +0.2 pp |
| 2019 | 99.1% | $1.64 Billion | $14.82 Million | $12.92 Billion | ▲ +0.3 pp |
| 2018 | 98.8% | $1.46 Billion | $16.96 Million | $12.57 Billion | ▲ +0.7 pp |
| 2017 | 98.2% | $1.30 Billion | $23.81 Million | $11.92 Billion | ▼ -0.5 pp |
| 2016 | 98.7% | $1.08 Billion | $14.20 Million | $10.71 Billion | ▲ +0.3 pp |
| 2015 | 98.3% | $1.02 Billion | $16.81 Million | $9.62 Billion | ▼ -1.4 pp |
| 2014 | 99.7% | $739.58 Million | $2.13 Million | $7.57 Billion | ▲ +0.1 pp |
| 2013 | 99.6% | $795.72 Million | $3.48 Million | $7.43 Billion | ▲ +0.5 pp |
| 2012 | 99.1% | $581.40 Million | $5.51 Million | $6.80 Billion | ▲ +0.5 pp |
| 2011 | 98.5% | $575.49 Million | $8.43 Million | $6.98 Billion | ▲ +0.3 pp |
| 2010 | 98.2% | $635.51 Million | $11.45 Million | $7.44 Billion | ▼ -0.3 pp |
| 2009 | 98.5% | $962.32 Million | $14.61 Million | $8.00 Billion | ▲ +0.1 pp |
| 2008 | 98.4% | $989.38 Million | $16.21 Million | $8.59 Billion | ▲ +0.7 pp |
| 2007 | 97.7% | $831.90 Million | $19.22 Million | $8.21 Billion | ▲ +0.1 pp |
| 2006 | 97.6% | $616.77 Million | $15.08 Million | $7.10 Billion | ▲ +0.7 pp |
| 2005 | 96.9% | $472.69 Million | $14.65 Million | $5.87 Billion | ▲ +1.1 pp |
| 2004 | 95.8% | $397.09 Million | $16.66 Million | $5.09 Billion | ▲ +2.8 pp |
| 2003 | 93.0% | $299.37 Million | $20.96 Million | $4.07 Billion | ▲ +2.1 pp |
| 2002 | 90.8% | $221.58 Million | $20.27 Million | $3.21 Billion | ▼ -9.2 pp |
| 2001 | 100.0% | $194.66 Million | $0.00 | $2.75 Billion | ▲ +0.0 pp |
| 2000 | 100.0% | $158.39 Million | $0.00 | $2.53 Billion | ▲ +0.0 pp |
| 1999 | 100.0% | $119.31 Million | $0.00 | $2.38 Billion | ▲ +0.0 pp |
| 1998 | 100.0% | $115.36 Million | $0.00 | $1.81 Billion | ▲ +0.0 pp |
| 1997 | 100.0% | $75.11 Million | $0.00 | $1.15 Billion | ▲ +0.0 pp |
| 1996 | 100.0% | $52.40 Million | $0.00 | $828.03 Million | — |