United Community Banks annual debt-to-equity ratio
2010
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2024
2025
United Community Banks Debt-to-Equity Ratio Growth & History (UCB)
United Community Banks's debt-to-equity ratio was 0.07 for fiscal 2025.
View full United Community Banks company overviewUnited Community Banks annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.07 | −0.08 | −53.49% |
| 2024 | 2024-12-31 | 0.14 | 0.03 | +27.31% |
| 2023 | 2023-12-31 | 0.11 | −0.08 | −41.84% |
| 2022 | 2022-12-31 | 0.19 | 0.07 | +55.24% |
| 2021 | 2021-12-31 | 0.13 | −0.05 | −30.14% |
| 2020 | 2020-12-31 | 0.18 | 0.04 | +24.99% |
| 2019 | 2019-12-31 | 0.14 | −0.04 | −21.72% |
| 2018 | 2018-12-31 | 0.18 | 0.05 | +40.09% |
| 2017 | 2017-12-31 | 0.13 | −0.04 | −21.83% |
| 2016 | 2016-12-31 | 0.17 | −0.01 | −5.55% |
| 2015 | 2015-12-31 | 0.18 | −0.01 | −3.52% |
| 2014 | 2014-12-31 | 0.18 | 0.02 | +12.56% |
| 2013 | 2013-12-31 | 0.16 | −0.14 | −46.51% |
| 2012 | 2012-12-31 | 0.31 | −0.08 | −21.20% |
| 2011 | 2011-12-31 | 0.39 | 0.07 | +20.82% |
| 2010 | 2010-12-31 | 0.32 | — | — |
United Community Banks quarterly debt-to-equity ratio
Q4.10
Q2.11
Q3.11
Q4.11
Q1.12
Q2.12
Q3.12
Q4.12
Q1.13
Q2.13
Q3.13
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Q1.17
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Q3.17
Q4.17
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Q2.18
Q3.18
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Q1.19
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Q1.22
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Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.10 | 0.06 | +136.67% |
| Q1 2026 | 2026-03-31 | 0.03 | −0.04 | −54.61% |
| Q4 2025 | 2025-12-31 | 0.07 | −0.08 | −53.49% |
| Q3 2025 | 2025-09-30 | 0.04 | −0.05 | −53.52% |
| Q2 2025 | 2025-06-30 | 0.04 | −0.05 | −55.82% |
| Q1 2025 | 2025-03-31 | 0.07 | −0.03 | −26.21% |
| Q4 2024 | 2024-12-31 | 0.14 | 0.03 | +27.31% |
| Q3 2024 | 2024-09-30 | 0.09 | −0.02 | −18.35% |
| Q2 2024 | 2024-06-30 | 0.10 | −0.01 | −7.05% |
| Q1 2024 | 2024-03-31 | 0.10 | −0.01 | −8.72% |
| Q4 2023 | 2023-12-31 | 0.11 | −0.08 | −41.84% |
| Q3 2023 | 2023-09-30 | 0.11 | −0.01 | −7.65% |
| Q2 2023 | 2023-06-30 | 0.10 | −0.02 | −14.53% |
| Q1 2023 | 2023-03-31 | 0.11 | −0.01 | −10.36% |
| Q4 2022 | 2022-12-31 | 0.19 | 0.07 | +55.24% |
| Q3 2022 | 2022-09-30 | 0.12 | 0.01 | +5.77% |
| Q2 2022 | 2022-06-30 | 0.12 | −0.00 | −2.55% |
| Q1 2022 | 2022-03-31 | 0.12 | −0.03 | −21.58% |
| Q4 2021 | 2021-12-31 | 0.13 | −0.05 | −30.14% |
| Q3 2021 | 2021-09-30 | 0.12 | −0.07 | −36.49% |
| Q2 2021 | 2021-06-30 | 0.13 | −0.05 | −28.63% |
| Q1 2021 | 2021-03-31 | 0.15 | 0.02 | +18.25% |
| Q4 2020 | 2020-12-31 | 0.18 | 0.04 | +24.99% |
| Q3 2020 | 2020-09-30 | 0.18 | 0.02 | +11.69% |
| Q2 2020 | 2020-06-30 | 0.18 | −0.02 | −11.68% |
| Q1 2020 | 2020-03-31 | 0.13 | −0.06 | −30.73% |
| Q4 2019 | 2019-12-31 | 0.14 | −0.04 | −21.72% |
| Q3 2019 | 2019-09-30 | 0.16 | −0.04 | −19.30% |
| Q2 2019 | 2019-06-30 | 0.20 | −0.03 | −13.56% |
| Q1 2019 | 2019-03-31 | 0.19 | −0.05 | −22.04% |
| Q4 2018 | 2018-12-31 | 0.18 | 0.05 | +40.09% |
| Q3 2018 | 2018-09-30 | 0.20 | 0.08 | +63.64% |
| Q2 2018 | 2018-06-30 | 0.23 | 0.08 | +48.82% |
| Q1 2018 | 2018-03-31 | 0.24 | 0.08 | +51.02% |
| Q4 2017 | 2017-12-31 | 0.13 | −0.04 | −21.83% |
| Q3 2017 | 2017-09-30 | 0.12 | −0.07 | −36.12% |
| Q2 2017 | 2017-06-30 | 0.15 | 0.00 | +0.01% |
| Q1 2017 | 2017-03-31 | 0.16 | 0.00 | +0.30% |
| Q4 2016 | 2016-12-31 | 0.17 | −0.01 | −5.55% |
| Q3 2016 | 2016-09-30 | 0.19 | 0.01 | +6.87% |
| Q2 2016 | 2016-06-30 | 0.15 | −0.01 | −7.80% |
| Q1 2016 | 2016-03-31 | 0.16 | 0.01 | +6.35% |
| Q4 2015 | 2015-12-31 | 0.18 | −0.01 | −3.52% |
| Q3 2015 | 2015-09-30 | 0.18 | −0.00 | −1.32% |
| Q2 2015 | 2015-06-30 | 0.17 | −0.12 | −41.19% |
| Q1 2015 | 2015-03-31 | 0.15 | −0.04 | −19.18% |
| Q4 2014 | 2014-12-31 | 0.18 | 0.02 | +12.56% |
| Q3 2014 | 2014-09-30 | 0.18 | 0.03 | +21.07% |
| Q2 2014 | 2014-06-30 | 0.29 | 0.13 | +89.65% |
| Q1 2014 | 2014-03-31 | 0.18 | −0.03 | −12.45% |
| Q4 2013 | 2013-12-31 | 0.16 | −0.14 | −46.51% |
| Q3 2013 | 2013-09-30 | 0.15 | −0.05 | −25.86% |
| Q2 2013 | 2013-06-30 | 0.15 | −0.06 | −27.90% |
| Q1 2013 | 2013-03-31 | 0.21 | 0.00 | +1.59% |
| Q4 2012 | 2012-12-31 | 0.31 | −0.08 | −21.20% |
| Q3 2012 | 2012-09-30 | 0.21 | −0.00 | −0.26% |
| Q2 2012 | 2012-06-30 | 0.21 | −0.04 | −16.22% |
| Q1 2012 | 2012-03-31 | 0.21 | — | — |
| Q4 2011 | 2011-12-31 | 0.39 | 0.07 | +20.82% |
| Q3 2011 | 2011-09-30 | 0.21 | — | — |
| Q2 2011 | 2011-06-30 | 0.25 | — | — |
| Q4 2010 | 2010-12-31 | 0.32 | — | — |
United Community Banks debt-to-equity ratio trends
Over the last five fiscal years, United Community Banks's debt-to-equity ratio decreased from 0.18 to 0.07, a change of −0.11. The latest reported quarter, Q2 2026, shows 0.10.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review United Community Banks source filings ↗