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v3.25.4

Long-Term Borrowings (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2025
Debt Disclosure [Abstract] |
FHLB Advances and Related Weighted Average Interest Rates | At December 31, 2025 and 2024, FHLB advances and the related weighted-average interest rates were as follows:
|  | 2025 |  |  | 2024 |
(Dollars in thousands) |  | Amount |  |  | Weighted- Average Contractual Rate |  |  | Weighted- Average Effective Rate |  |  | Amount |  |  | Weighted- Average Contractual Rate |  |  | Weighted- Average Effective Rate |
FHLB advances |  | $ | 250,000 |  |  |  | 4.05 | % |  |  | 0.59 | % |  | $ | 260,199 |  |  |  | 4.62 | % |  |  | 0.63 | %
Information Related to Statutory Trusts | Information related to United’s statutory trusts is presented in the table below:
(Dollars in thousands) Description |  | Issuance Date |  | Amount of Capital Securities Issued |  |  | Stated Interest Rate (1) |  | Maturity Date
United Statutory Trust III |  | December 17, 2003 |  | $ | 20,000 |  |  | 3-month CME Term SOFR + 2.85% |  | December 17, 2033
United Statutory Trust IV |  | December 19, 2003 |  | $ | 25,000 |  |  | 3-month CME Term SOFR + 2.85% |  | January 23, 2034
United Statutory Trust V |  | July 12, 2007 |  | $ | 50,000 |  |  | 3-month CME Term SOFR + 1.55% |  | October 1, 2037
United Statutory Trust VI |  | September 20, 2007 |  | $ | 30,000 |  |  | 3-month CME Term SOFR + 1.30% |  | December 15, 2037
Premier Statutory Trust II |  | September 25, 2003 |  | $ | 6,000 |  |  | 3-month CME Term SOFR + 3.10% |  | October 8, 2033
Premier Statutory Trust III |  | May 16, 2005 |  | $ | 8,000 |  |  | 3-month CME Term SOFR + 1.74% |  | June 15, 2035
Premier Statutory Trust IV |  | June 20, 2006 |  | $ | 14,000 |  |  | 3-month CME Term SOFR + 1.55% |  | September 23, 2036
Premier Statutory Trust V |  | December 14, 2006 |  | $ | 10,000 |  |  | 3-month CME Term SOFR + 1.61% |  | March 1, 2037
Centra Statutory Trust I |  | September 20, 2004 |  | $ | 10,000 |  |  | 3-month CME Term SOFR + 2.29% |  | September 20, 2034
Centra Statutory Trust II |  | June 15, 2006 |  | $ | 10,000 |  |  | 3-month CME Term SOFR + 1.65% |  | July 7, 2036
VCBI Capital Trust II |  | December 19, 2002 |  | $ | 15,000 |  |  | 6-month CME Term SOFR + 3.30% |  | December 19, 2032
VCBI Capital Trust III |  | December 20, 2005 |  | $ | 25,000 |  |  | 3-month CME Term SOFR + 1.42% |  | February 23, 2036
Cardinal Statutory Trust I |  | July 27, 2004 |  | $ | 20,000 |  |  | 3-month CME Term SOFR + 2.40% |  | September 15, 2034
UFBC Capital Trust I |  | December 30, 2004 |  | $ | 5,000 |  |  | 3-month CME Term SOFR + 2.10% |  | March 15, 2035
Carolina Financial Capital Trust I |  | December 19, 2002 |  | $ | 5,000 |  |  | Prime + 0.50% |  | December 31, 2032
Carolina Financial Capital Trust II |  | November 5, 2003 |  | $ | 10,000 |  |  | 3-month CME Term SOFR + 3.05% |  | January 7, 2034
Greer Capital Trust I |  | October 12, 2004 |  | $ | 6,000 |  |  | 3-month CME Term SOFR + 2.20% |  | October 18, 2034
Greer Capital Trust II |  | December 28, 2006 |  | $ | 5,000 |  |  | 3-month CME Term SOFR + 1.73% |  | January 30, 2037
First South Preferred Trust I |  | September 26, 2003 |  | $ | 10,000 |  |  | 3-month CME Term SOFR + 2.95% |  | September 30, 2033
BOE Statutory Trust I |  | December 12, 2003 |  | $ | 4,000 |  |  | 3-month CME Term SOFR + 3.00% |  | December 12, 2033
| (1) | The 3-month CME Term SOFR rates have a spread adjustment of 0.26161% and the 6-month CME Term SOFR rate has a spread adjustment of 0.42826%.
Debentures and Related Weighted Average Interest Rates | At December 31, 2025 and 2024, the Debentures and their related weighted-average interest rates were as follows:
|  | 2025 |  |  | 2024 |
(Dollars in thousands) |  | Amount |  |  | Weighted- Average Rate |  |  | Amount |  |  | Weighted- Average Rate |
United Statutory Trust III |  | $ | 20,619 |  |  |  | 6.82 | % |  | $ | 20,619 |  |  |  | 7.46 | %
United Statutory Trust IV |  |  | 25,774 |  |  |  | 6.95 | % |  |  | 25,774 |  |  |  | 7.70 | %
United Statutory Trust V |  |  | 51,547 |  |  |  | 5.80 | % |  |  | 51,547 |  |  |  | 6.40 | %
United Statutory Trust VI |  |  | 30,928 |  |  |  | 5.28 | % |  |  | 30,928 |  |  |  | 5.92 | %
Premier Statutory Trust II |  |  | 6,186 |  |  |  | 7.27 | % |  |  | 6,186 |  |  |  | 8.02 | %
Premier Statutory Trust III |  |  | 8,248 |  |  |  | 5.72 | % |  |  | 8,248 |  |  |  | 6.95 | %
Premier Statutory Trust IV |  |  | 14,433 |  |  |  | 5.50 | % |  |  | 14,433 |  |  |  | 6.15 | %
Premier Statutory Trust V |  |  | 10,310 |  |  |  | 5.66 | % |  |  | 10,310 |  |  |  | 6.37 | %
Centra Statutory Trust I |  |  | 10,000 |  |  |  | 6.25 | % |  |  | 10,000 |  |  |  | 6.91 | %
Centra Statutory Trust II |  |  | 10,000 |  |  |  | 5.82 | % |  |  | 10,000 |  |  |  | 6.57 | %
Virginia Commerce Trust II |  |  | 13,857 |  |  |  | 7.34 | % |  |  | 13,627 |  |  |  | 8.31 | %
Virginia Commerce Trust III |  |  | 20,425 |  |  |  | 5.56 | % |  |  | 19,899 |  |  |  | 6.20 | %
Cardinal Statutory Trust I |  |  | 17,209 |  |  |  | 6.38 | % |  |  | 16,812 |  |  |  | 7.02 | %
UFBC Capital Trust I |  |  | 4,182 |  |  |  | 6.08 | % |  |  | 4,076 |  |  |  | 6.72 | %
Carolina Financial Capital Trust I |  |  | 5,058 |  |  |  | 7.25 | % |  |  | 5,046 |  |  |  | 8.00 | %
Carolina Financial Capital Trust II |  |  | 9,706 |  |  |  | 7.22 | % |  |  | 9,641 |  |  |  | 7.97 | %
Greer Capital Trust I |  |  | 5,492 |  |  |  | 6.35 | % |  |  | 5,419 |  |  |  | 7.09 | %
Greer Capital Trust II |  |  | 4,360 |  |  |  | 5.83 | % |  |  | 4,275 |  |  |  | 6.58 | %
First South Preferred Trust I |  |  | 9,656 |  |  |  | 6.90 | % |  |  | 9,587 |  |  |  | 7.54 | %
BOE Statutory Trust I |  |  | 3,827 |  |  |  | 6.93 | % |  |  | 3,794 |  |  |  | 7.59 | %
Total |  | $ | 281,817 |  |  |  | 6.19 | % |  | $ | 280,221 |  |  |  | 6.88 | %
Schedule of Maturities of Long-term Borrowings | At December 31, 2025, the scheduled maturities of long-term borrowings were as follows:
Year |  | Amount |
(Dollars in thousands) |
2026 |  | $ | 250,000 |
2027 |  |  | 0 |
2028 |  |  | 0 |
2029 |  |  | 0 |
2030 |  |  | 0 |
2031 and thereafter |  |  | 281,817 |
Total |  | $ | 531,817 |

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