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Comprehensive Income (Tables) | 12 Months Ended
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Dec. 31, 2025
Equity [Abstract] |
Components of Total Comprehensive Income | The changes in accumulated other comprehensive income are as follows:
|  | For the Years Ended December 31 |
(In thousands) |  | 2025 |  |  | 2024 |  |  | 2023 |
Net Income |  | $ | 464,603 |  |  | $ | 372,996 |  |  | $ | 366,313 |
Available for sale (“AFS”) securities: |  |  |  |  |  |  |  |  |  |  |  |
Change in net unrealized gains on AFS securities arising during the period |  |  | 117,563 |  |  |  | 24,251 |  |  |  | 98,627 |
Related income tax effect |  |  | (28,097 | ) |  |  | (5,840 | ) |  |  | (22,980 | )
Net reclassification adjustment for losses included in net income |  |  | 0 |  |  |  | 16,296 |  |  |  | 7,659 |
Related income tax effect |  |  | 0 |  |  |  | (3,852 | ) |  |  | (1,785 | )
|  |  | 89,466 |  |  |  | 30,855 |  |  |  | 81,521 |
Net effect of AFS securities on other comprehensive income |  |  | 89,466 |  |  |  | 30,855 |  |  |  | 81,521 |
Cash flow hedge derivatives: |  |  |  |  |  |  |  |  |  |  |  |
Unrealized (loss) gain on cash flow hedge before reclassification to interest expense |  |  | (3,340 | ) |  |  | 12,744 |  |  |  | 6,548 |
Related income tax effect |  |  | 798 |  |  |  | (2,987 | ) |  |  | (1,526 | )
Net reclassification adjustment for gains included in net income |  |  | (9,718 | ) |  |  | (20,932 | ) |  |  | (23,574 | )
Related income tax effect |  |  | 2,323 |  |  |  | 4,926 |  |  |  | 5,493 |
Net effect of cash flow hedge derivatives on other comprehensive income |  |  | (9,937 | ) |  |  | (6,249 | ) |  |  | (13,059 | )
Defined benefit pension plan: |  |  |  |  |  |  |  |  |  |  |  |
Net actuarial gain during the period |  |  | 7,089 |  |  |  | 12,348 |  |  |  | 2,635 |
Related income tax expense |  |  | (1,694 | ) |  |  | (2,951 | ) |  |  | (613 | )
Amortization of net actuarial loss recognized in net income |  |  | 69 |  |  |  | 2,315 |  |  |  | 3,347 |
Related income tax effect |  |  | (17 | ) |  |  | (540 | ) |  |  | (780 | )
Net effect of change in defined benefit pension plan on other comprehensive income |  |  | 5,447 |  |  |  | 11,172 |  |  |  | 4,589 |
Total change in other comprehensive income, net of tax |  |  | 84,976 |  |  |  | 35,778 |  |  |  | 73,051 |
Total Comprehensive Income |  | $ | 549,579 |  |  | $ | 408,774 |  |  | $ | 439,364 |
Components of Accumulated Other Comprehensive Income | The components of accumulated other comprehensive income for the year ended December 31, 2025 are as follows:
Changes in Accumulated Other Comprehensive Income (AOCI) by Component (a) For the Year Ended December 31, 2025 |
(Dollars in thousands) |  | Unrealized Gains/ Losses on AFS Securities |  |  | Unrealized Gains/ Losses on Cash Flow Hedges |  |  | Defined Benefit Pension Items |  |  | Total |
Balance at January 1, 2025 |  | $ | (247,964) |  |  | $ | 33,706 |  |  | $ | (9,645) |  |  | $ | (223,903) |
Other comprehensive income (loss) before reclassification |  |  | 89,466 |  |  |  | (2,542 | ) |  |  | 0 |  |  |  | 86,924 |
Amounts reclassified from accumulated other comprehensive income |  |  | 0 |  |  |  | (7,395 | ) |  |  | 5,447 |  |  |  | (1,948 | )
Net current-period other comprehensive income (loss), net of tax |  |  | 89,466 |  |  |  | (9,937 | ) |  |  | 5,447 |  |  |  | 84,976 |
Balance at December 31, 2025 |  | $ | (158,498) |  |  | $ | 23,769 |  |  | $ | (4,198) |  |  | $ | (138,927) |
(a) All amounts are net-of-tax. United has adopted the portfolio approach for purposes of releasing residual tax effects within AOCI.
Reclassifications Out of Accumulated Other Comprehensive Income |
Reclassifications out of Accumulated Other Comprehensive Income (AOCI) For the Year Ended December 31, 2025 |
(In thousands) Details about AOCI Components |  | Amount Reclassified from AOCI |  |  | Affected Line Item in the Statement Where Net Income is Presented |
Cash flow hedge: |  |  |  |  |  |  |  |
Net reclassification adjustment for gains included in net income |  | $ | (9,718 | ) |  |  | Interest expense |
|  |  | (9,718 | ) |  |  | Total before tax |
Related income tax effect |  |  | 2,323 |  |  |  | Tax expense |
|  |  | (7,395 | ) |  |  | Net of tax |
Pension plan: |  |  |  |  |  |  |  |
Recognized net actuarial gain |  |  | 7,089 | (a) |  |  |  |
Amortization of net actuarial loss |  |  | 69 | (b) |  |  |  |
|  |  | 7,158 |  |  |  | Total before tax |
Related income tax effect |  |  | (1,711 | ) |  |  | Tax expense |
|  |  | 5,447 |  |  |  | Net of tax |
Total reclassifications for the period |  | $ | (1,948 | ) |  |  |  |
(a) | This AOCI component is included in the computation of changes in plan assets (see Note O, Employee Benefit Plans)
(b) | This AOCI component is included in the computation of net periodic pension cost (see Note O, Employee Benefit Plans)

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