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Loans and Leases | 12 Months Ended
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Dec. 31, 2025
Receivables [Abstract] |
Loans and Leases | NOTE D—LOANS AND LEASES Major classes of loans and leases are as follows:
(In thousands) |  | December 31, 2025 |  |  | December 31, 2024 |
Commercial, financial and agricultural: |  |  |  |  |  |  |  |
Owner-occupied commercial real estate |  | $ | 2,145,921 |  |  | $ | 1,590,002 |
Nonowner-occupied commercial real estate |  |  | 8,343,520 |  |  |  | 6,939,641 |
Other commercial |  |  | 3,784,833 |  |  |  | 3,351,362 |
Total commercial, financial & agricultural |  |  | 14,274,274 |  |  |  | 11,881,005 |
Residential real estate |  |  | 6,098,262 |  |  |  | 5,507,384 |
Construction & land development |  |  | 3,570,902 |  |  |  | 3,509,034 |
Consumer: |  |  |  |  |  |  |  |
Bankcard |  |  | 9,686 |  |  |  | 9,998 |
Other consumer |  |  | 767,496 |  |  |  | 773,077 |
Less: Unearned income |  |  | (11,498 | ) |  |  | (7,005 | )
Loans and leases, net of unearned income |  | $ | 24,709,122 |  |  | $ | 21,673,493 |
The table above does not include loans held for sale of $31,277,000 and $44,360,000 at December 31, 2025 and December 31, 2024, respectively. Loans held for sale consist of single-family residential real estate loans originated for sale in the secondary market. At December 31, 2025 and 2024, loans-in-process of $34,905,000 and $5,569,000 and overdrafts from deposit accounts of $4,331,000 and $4,919,000, respectively, are included within the appropriate loan classifications above. The outstanding loan balances in the table above also include unamortized net discounts of $56,690,000 and $26,322,000 at December 31, 2025 and December 31, 2024, respectively. United’s subsidiary bank has made loans, in the normal course of business, to the directors and officers of United and its subsidiaries, and to their associates. The aggregate dollar amount of these loans was $42,441,000 and $22,702,000 at December 31, 2025 and 2024, respectively. During 2025, $22,432,000 of new loans were made and repayments totaled $2,693,000.

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