United Community Banks, Inc. (UCB) — Working Capital to Net Assets Ratio
United Community Banks, Inc. (UCB) has a Working Capital to Net Assets ratio of -542.6% as of September 2025. Working capital of $-19.52 Billion (current assets of $4.50 Billion minus current liabilities of $24.02 Billion) is measured against net assets of $3.60 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See United Community Banks, Inc. liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
United Community Banks, Inc. Working Capital to Net Assets (1996–2024)
This chart shows how United Community Banks, Inc.'s Working Capital to Net Assets ratio has evolved across 29 annual periods from 1996 to 2024. As of September 2025, the ratio stands at -542.6%, reflecting working capital of $-19.52 Billion against net assets of $3.60 Billion USD. For the complete balance sheet picture, see UCB total asset value.
Annual Working Capital to Net Assets for United Community Banks, Inc. (1996–2024)
The table below presents the year-by-year Working Capital to Net Assets ratio for United Community Banks, Inc. from 1996 to 2024, covering 29 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check United Community Banks, Inc. liquid asset ratio to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2024 | -542.4% | $-18.61 Billion | $3.43 Billion | $5.04 Billion | $23.66 Billion | ▲ +36.8 pp |
| 2023 | -579.1% | $-18.89 Billion | $3.26 Billion | $4.42 Billion | $23.31 Billion | ▲ +24.2 pp |
| 2022 | -603.3% | $-16.29 Billion | $2.70 Billion | $4.20 Billion | $20.49 Billion | ▼ -80.4 pp |
| 2021 | -522.9% | $-11.62 Billion | $2.22 Billion | $6.83 Billion | $18.45 Billion | ▲ +2.6 pp |
| 2020 | -525.5% | $-10.55 Billion | $2.01 Billion | $4.88 Billion | $15.43 Billion | ▼ -22.4 pp |
| 2019 | -503.1% | $-8.23 Billion | $1.64 Billion | $2.82 Billion | $11.05 Billion | ▲ +34.1 pp |
| 2018 | -537.3% | $-7.83 Billion | $1.46 Billion | $2.99 Billion | $10.82 Billion | ▼ -0.3 pp |
| 2017 | -537.0% | $-7.00 Billion | $1.30 Billion | $2.96 Billion | $9.96 Billion | ▲ +24.8 pp |
| 2016 | -561.8% | $-6.04 Billion | $1.08 Billion | $2.68 Billion | $8.72 Billion | ▼ -29.7 pp |
| 2015 | -532.0% | $-5.42 Billion | $1.02 Billion | $2.56 Billion | $7.98 Billion | ▲ +62.2 pp |
| 2014 | -594.2% | $-4.39 Billion | $739.58 Million | $2.00 Billion | $6.39 Billion | ▼ -56.8 pp |
| 2013 | -537.4% | $-4.28 Billion | $795.72 Million | $2.08 Billion | $6.36 Billion | ▲ +149.1 pp |
| 2012 | -686.5% | $-3.99 Billion | $581.40 Million | $2.10 Billion | $6.10 Billion | ▲ +34.6 pp |
| 2011 | -721.2% | $-4.15 Billion | $575.49 Million | $2.19 Billion | $6.34 Billion | ▲ +281.2 pp |
| 2010 | -1002.4% | $-6.37 Billion | $635.51 Million | $232.19 Million | $6.60 Billion | ▼ -327.7 pp |
| 2009 | -674.7% | $-6.49 Billion | $962.32 Million | $280.51 Million | $6.77 Billion | ▲ +37.4 pp |
| 2008 | -712.1% | $-7.05 Billion | $989.38 Million | $170.90 Million | $7.22 Billion | ▲ +61.1 pp |
| 2007 | -773.2% | $-6.43 Billion | $831.90 Million | $282.45 Million | $6.71 Billion | ▲ +136.3 pp |
| 2006 | -909.5% | $-5.61 Billion | $616.77 Million | $229.57 Million | $5.84 Billion | ▲ +70.1 pp |
| 2005 | -979.6% | $-4.63 Billion | $472.69 Million | $179.77 Million | $4.81 Billion | ▲ +35.6 pp |
| 2004 | -1015.2% | $-4.03 Billion | $397.09 Million | $162.76 Million | $4.19 Billion | ▲ +22.8 pp |
| 2003 | -1038.0% | $-3.11 Billion | $299.37 Million | $181.16 Million | $3.29 Billion | ▲ +212.6 pp |
| 2002 | -1250.6% | $-2.77 Billion | $221.58 Million | $126.62 Million | $2.90 Billion | ▼ -40.0 pp |
| 2001 | -1210.6% | $-2.36 Billion | $194.66 Million | $127.45 Million | $2.48 Billion | ▲ +17.0 pp |
| 2000 | -1227.6% | $-1.94 Billion | $158.39 Million | $127.68 Million | $2.07 Billion | ▲ +255.8 pp |
| 1999 | -1483.4% | $-1.77 Billion | $119.31 Million | $153.82 Million | $1.92 Billion | ▼ -261.8 pp |
| 1998 | -1221.6% | $-1.41 Billion | $115.36 Million | $69.03 Million | $1.48 Billion | ▲ +26.6 pp |
| 1997 | -1248.2% | $-937.54 Million | $75.11 Million | $79.82 Million | $1.02 Billion | ▲ +27.0 pp |
| 1996 | -1275.2% | $-668.23 Million | $52.40 Million | $58.37 Million | $726.60 Million | — |