United Neighborhood Banks, Inc. (UCB) Q3 2025 Earnings Name Transcript

Operator

Good morning and welcome to United Neighborhood Banks’ Third Quarter 2025 Earnings Name. Internet hosting our name right this moment are Chairman and Chief Govt Officer, Lynn Harton; Chief Monetary Officer, Jefferson Harralson; President and Chief Banking Officer, Wealthy Bradshaw; and Chief Danger Officer, Rob Edwards.

United’s presentation right this moment consists of references to working earnings, pretax, precredit earnings and different non-GAAP monetary info. For these non-GAAP monetary measures, United has offered a reconciliation to the corresponding GAAP monetary measure within the monetary highlights part of the earnings launch in addition to on the finish of the investor presentation. Each are included on the web site at ucbi.com. Copies of the primary quarter’s earnings launch and investor presentation had been filed this morning on Type 8-Ok with the SEC and a replay of this name will likely be out there within the Investor Relations part of the corporate’s web site at ucbi.com. Please bear in mind that in this name, forward-looking statements could also be made by representatives of United. Any forward-looking statements needs to be thought-about in gentle of dangers and uncertainties described on Pages 5 and 6 of the corporate’s 2024 Type 10-Ok in addition to different info offered by the corporate in its filings with the SEC and included on its web site.

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