United Community Banks, Inc. (NYSE:UCB ) Q3 2025 Earnings Call October 22, 2025 9:00 AM EDT Company Participants Herbert Harton - Chairman & CEO Jefferson Harralson - Executive VP & CFO Richard Bradshaw - President & Chief Banking Officer Robert Edwards - Executive VP & Chief Risk Officer Conference Call Participants Stephen Scouten - Piper Sandler & Co., Research Division Gary Tenner - D.A. Davidson & Co., Research Division Michael Rose - Raymond James & Associates, Inc., Research Division Russell Elliott Gunther - Stephens Inc., Research Division Catherine Mealor - Keefe, Bruyette, & Woods, Inc., Research Division Kyle Gierman Presentation Operator Good morning and welcome to United Community Banks' Third Quarter 2025 Earnings Call.