v3.26.3
Loans and Leases
 9 Months Ended
Sep. 30, 2026
Receivables [Abstract]  
Loans and Leases
3. LOANS AND LEASES
Major classes of loans and leases are as follows:
 
     September 30,
2026		      December 31,
2025		  
Commercial, financial and agricultural:
      
Owner-occupied commercial real estate
    $ 2,177,293      $ 2,145,921  
Nonowner-occupied commercial real estate
      9,033,200        8,343,520  
Other commercial
      3,774,652        3,784,833  
  
 
 
     
 
 
  
Total commercial, financial & agricultural
      14,985,145        14,274,274  
Residential real estate
      6,257,512        6,098,262  
Construction & land development
      3,398,426        3,570,902  
Consumer:
      
Bankcard
      9,215        9,686  
Other consumer
      823,184        767,496  
Less: Unearned income
      (13,224 )       (11,498 ) 
  
 
 
     
 
 
  
Loans and leases, net of unearned income
    $ 25,460,258      $ 24,709,122  
  
 
 
     
 
 
  
The table above does not include loans held for sale of $17,712 and $31,277 at September 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 $52,204 and $42,441 at September 30, 2026 and December 31, 2025, respectively.