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Derivative Financial Instruments (Tables)

12 Months Ended

Dec. 31, 2025

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Notional Amount and Fair Value of Derivative Financial Instruments

The following tables disclose the derivative instruments’ location on the Company’s Consolidated Balance Sheets and the notional amount and fair value of those instruments at December 31, 2025 and December 31, 2024.

		Asset Derivatives
		December 31, 2025												December 31, 2024
(In thousands)		Balance Sheet Location				Notional Amount				Fair Value				Balance Sheet Location				Notional Amount				Fair Value
Derivatives designated as hedging instruments
Fair Value Hedges:
Interest rate swap contracts (hedging commercial loans)			Other assets			$	9,466			$	316				Other assets			$	10,770			$	644
Total Fair Value Hedges						$	9,466			$	316							$	10,770			$	644
Cash Flow Hedges:
Interest rate swap contracts (hedging FHLB borrowings)			Other assets			$	250,000			$	0				Other assets			$	250,000			$	0
Total Cash Flow Hedges						$	250,000			$	0							$	250,000			$	0
Total derivatives designated as hedging instruments						$	259,466			$	316							$	260,770			$	644

		Asset Derivatives
		December 31, 2025												December 31, 2024
(In thousands)		Balance Sheet Location				Notional Amount				Fair Value				Balance Sheet Location				Notional Amount				Fair Value
Derivatives not designated as hedging instruments
Forward loan sales commitments			Other assets			$	3,981			$	15				Other assets			$	0			$	0
TBA mortgage-backed securities			Other assets				0				0				Other assets				54,826				278
Interest rate lock commitments			Other assets				23,046				458				Other assets				21,553				339
Total derivatives not designated as hedging instruments						$	27,027			$	473							$	76,379			$	617
Total asset derivatives						$	286,493			$	789							$	337,149			$	1,261

		Liability Derivatives
		December 31, 2025												December 31, 2024
(In thousands)		Balance Sheet Location				Notional Amount				Fair Value				Balance Sheet Location				Notional Amount				Fair Value
Derivatives not designated as hedging instruments
TBA mortgage-backed securities			Other liabilities			$	33,882			$	70				Other liabilities			$	0			$	0
Forward loan sales commitments			Other liabilities				0				0				Other liabilities				3,186				20
Total derivatives not designated as hedging instruments						$	33,882			$	70							$	3,186			$	20
Total liability derivatives						$	33,882			$	70							$	3,186			$	20

Summary of Carrying Amount Hedged Assets/(Liabilities)

The following table represents the carrying amount of the hedged assets/(liabilities) and the cumulative amount of fair value hedging adjustment included in the carrying amount of the hedged assets/(liabilities) that are designated as a fair value accounting relationship as of December 31, 2025 and December 31, 2024.

December 31, 2025

(In thousands) Derivatives in Fair Value Hedging Relationships

Location in the Statement of Condition

Carrying Amount of the Hedged Assets/ (Liabilities)

Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)

Cumulative Amount of Fair Value Hedging Adjustment Remaining for any Hedged Assets/ (Liabilities) for which Hedge Accounting has been Discontinued

Interest rate swaps

Loans, net of unearned income

$ 9,466

$

(331)

$

0

				December 31, 2024
(In thousands) Derivatives in Fair Value Hedging Relationships		Location in the Statement of Condition		Carrying Amount of the Hedged Assets/(Liabilities)				Cumulative Amount of Fair Value Hedging Adjustment Included in the Carrying Amount of the Hedged Assets/(Liabilities)				Cumulative Amount of Fair Value Hedging Adjustment Remaining for any Hedged Assets/ (Liabilities) for which Hedge Accounting has been Discontinued
Interest rate swaps		Loans, net of unearned income		$	10,770			$	(657)			$	0

Schedule of Derivative Financial Instruments on Statement of Income

The effect of United’s derivative financial instruments on its Consolidated Statements of Income for the years ended December 31, 2025, 2024 and 2023 is presented as follows:

				Year Ended
(In thousands)		Income Statement Location		December 31, 2025				December 31, 2024				December 31, 2023
Derivatives in hedging relationships Cash Flow Hedges:
Interest rate swap contracts		Interest on long-term borrowings (1)		$	9,718			$	20,932			$	23,574
Fair Value Hedges:
Interest rate swap contracts		Interest and fees on loans and leases		$	(2	)		$	8			$	117
Total derivatives in hedging relationships				$	9,716			$	20,940			$	23,691
Derivatives not designated as hedging instruments
Forward loan sales commitments		Income from Mortgage Banking Activities			35				(114	)			(127	)
TBA mortgage-backed securities		Income from Mortgage Banking Activities			(348	)			956				(611	)
Interest rate lock commitments		Income from Mortgage Banking Activities			(11	)			(489	)			(240	)
Total derivatives not designated as hedging instruments				$	(324	)		$	353			$	(978	)
Total derivatives				$	9,392			$	21,293			$	22,713

(1) Decreases or increases in interest expense are expressed as positive or negative amounts, respectively, based on their impact to net income.

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Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments.

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Tabular disclosure of the location and fair value amounts of derivative instruments (and nonderivative instruments that are designated and qualify as hedging instruments) reported in the statement of financial position.

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Tabular disclosure for fair value hedging instruments of (a) the location and amount of gains and losses reported in the statement of financial performance and (b) the location and fair value amounts of the instruments reported in the statement of financial position.

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