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Segment Information | 12 Months Ended
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Dec. 31, 2025
Segment Reporting [Abstract] |
Segment Information | NOTE X—SEGMENT INFORMATION United operates in one reportable segment, community banking. Through its community banking segment, United offers a full range of products and services through various delivery channels. Included among the banking products and services offered are the acceptance of deposits in checking, savings, time and money market accounts; the making and servicing of personal, credit card, commercial, and floor plan loans; and the making of construction and real estate loans as well as the origination and sale of residential mortgages in the secondary market. Also offered are trust and brokerage services, safe deposit boxes, and wire transfers. The community banking segment derives revenues mainly from interest income on loans to customers, investment securities held and other short-term investments in addition to fees and income derived related to the services listed above. The accounting policies of the community banking segment are the same as those described in the summary of significant accounting policies. United’s chief operating decision maker (“CODM”) is its chief executive officer who maintains responsibility for the day-to-day management of the Company including regularly reviewing the operating results of the community banking segment in order to assess performance and make decisions about resource allocation based on net income that also is reported on the income statement as consolidated net income. The measure of community banking segment assets is reported on the Consolidated Balance Sheets as total assets. The CODM uses net income to evaluate income generated from segment assets (return on assets) in deciding whether to reinvest profits into the community banking segment or into other parts of the entity, such as for acquisitions or to pay dividends. Net income is used to monitor budget versus actual results as well as comparing to prior year’s results. The comparative analysis along with the monitoring of budgeted versus actual results are used in assessing performance of the segment. Information about the community banking segment for the years ended December 31, 2025, 2024 and 2023 is as follows:
|  | For the Year Ended December 31 |
(In thousands) |  | 2025 |  |  | 2024 |  |  | 2023 |
Total Assets |  | $ | 33,660,281 |  |  | $ | 30,023,545 |  |  | $ | 29,926,482 |
Net interest income |  | $ | 1,102,164 |  |  | $ | 911,068 |  |  | $ | 919,924 |
Provision for credit losses |  |  | 53,866 |  |  |  | 25,153 |  |  |  | 31,153 |
Other income |  |  | 135,154 |  |  |  | 123,695 |  |  |  | 135,258 |
Other expense |  |  |  |  |  |  |  |  |  |  |  |
Employee compensation |  |  | 252,054 |  |  |  | 234,618 |  |  |  | 230,809 |
Employee benefits |  |  | 54,333 |  |  |  | 53,621 |  |  |  | 48,368 |
Net occupancy expense |  |  | 49,794 |  |  |  | 46,084 |  |  |  | 46,426 |
OREO expense |  |  | 892 |  |  |  | 576 |  |  |  | 1,355 |
Net gains on the sales of OREO properties |  |  | (148 | ) |  |  | (75 | ) |  |  | (60 | )
Equipment expense |  |  | 34,917 |  |  |  | 29,686 |  |  |  | 29,731 |
Data processing expense |  |  | 32,622 |  |  |  | 29,646 |  |  |  | 29,395 |
Mortgage loan servicing expense and impairment |  |  | 0 |  |  |  | 2,694 |  |  |  | 5,596 |
Bankcard processing expense |  |  | 2,342 |  |  |  | 2,490 |  |  |  | 2,192 |
FDIC insurance expense |  |  | 17,022 |  |  |  | 19,735 |  |  |  | 30,376 |
Other segment expense (a) |  |  | 156,224 |  |  |  | 125,956 |  |  |  | 136,036 |
Total other expense |  |  | 600,052 |  |  |  | 545,031 |  |  |  | 560,224 |
Income before income taxes |  |  | 583,400 |  |  |  | 464,579 |  |  |  | 463,805 |
Income taxes |  |  | 118,797 |  |  |  | 91,583 |  |  |  | 97,492 |
Segment net income |  |  | 464,603 |  |  |  | 372,996 |  |  |  | 366,313 |
Reconciliation of profit or loss |  |  |  |  |  |  |  |  |  |  |  |
Adjustments and reconciling items |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Consolidated net income |  | $ | 464,603 |  |  | $ | 372,996 |  |  | $ | 366,313 |
(a) | Other segment expense includes legal, consulting and other professional services expense, franchise and other taxes not on income, expense for reserve on lending-related commitments, ATM expenses, marketing expense, core deposits amortization, and other general operating expenses.

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