Loans and Leases

6 Months Ended

Jun. 30, 2026

3. LOANS AND LEASES

Major classes of loans and leases are as follows:


	June 30, 2026			December 31, 2025
Commercial, financial and agricultural:
Owner-occupied commercial real estate	$	2,170,900		$	2,145,921
Nonowner-occupied commercial real estate		8,721,627			8,343,520
Other commercial		3,806,987			3,784,833

Total commercial, financial & agricultural		14,699,514			14,274,274
Residential real estate		6,180,010			6,098,262
Construction & land development		3,335,543			3,570,902
Consumer:
Bankcard		9,363			9,686
Other consumer		781,808			767,496
Less: Unearned income		(11,714	)		(11,498	)

Loans and leases, net of unearned income	$	24,994,524		$	24,709,122

The table above does not include loans held for sale of $35,224 and $31,277 at June 30, 2026 and December 31, 2025, respectively. Loans held for sale consist of single-family residential real estate loans originated for sale in the secondary market.

United’s subsidiary bank has made loans to the directors and officers of United and its subsidiaries, and to their affiliates. The aggregate dollar amount of these loans was $50,594 and $42,441 at June 30, 2026 and December 31, 2025, respectively.