10-Q 1 ucbi-20240331.htm 10-Q ucbi-20240331
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the Quarterly Period Ended March 31, 2024
OR
TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the Transition Period from ___________ to ___________
Commission file number 001-35095
UNITED COMMUNITY BANKS, INC.
(Exact name of registrant as specified in its charter)
Georgia 58-1807304
(State of incorporation) (I.R.S. Employer Identification No.)
125 Highway 515 East 
Blairsville, Georgia
30512
(Address of principal executive offices)(Zip code)
(706) 781-2265
(Registrant’s telephone number, including area code)
Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which Registered
Common stock, par value $1 per shareUCBINasdaq Global Select Market
Depositary shares, each representing 1/1000th interest in a share of
Series I Non-Cumulative Preferred Stock
UCBIONasdaq Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes No

Indicate by check mark whether the registrant has submitted electronically every Interactive Date File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
Yes No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filerAccelerated filer
Non-accelerated filerSmaller reporting company
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). 
Yes No

There were 119,141,235 shares of the registrant’s common stock, par value $1 per share, outstanding as of April 30, 2024.



UNITED COMMUNITY BANKS, INC.
FORM 10-Q
INDEX
 Item 1.Financial Statements 
  
    
  
    
  
  
    
    
  
    
 
    
 
    
 
    
    
 
 
 
 

2


Glossary of Defined Terms

The following terms may be used throughout this report, including the consolidated financial statements and related notes.

TermDefinition
2023 10-K
United’s Annual Report on Form 10-K for the year ended December 31, 2023 filed with the SEC on February 23, 2024
ACLAllowance for credit losses
AFSAvailable-for-sale
ALCOAsset/Liability Management Committee
AOCIAccumulated other comprehensive income (loss)
ASUAccounting standards update
BankUnited Community Bank
BoardUnited Community Banks Inc., Board of Directors
BOLIBank-owned life insurance
CECLCurrent expected credit loss
CET1Common equity tier 1
CMEChicago Mercantile Exchange
CRE
Commercial real estate
CompanyUnited Community Banks Inc. (interchangeable with "United" below)
CVACredit valuation adjustment
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
FDMModification made to borrowers experiencing financial difficulty
Federal ReserveFederal Reserve System
First MiamiFirst Miami Bancorp, Inc. and its wholly-owned subsidiary, First National Bank of South Miami
FHLBFederal Home Loan Bank
FOMCFederal Reserve’s Federal Open Markets Committee
FTEFully taxable equivalent
GAAPAccounting principles generally accepted in the United States of America
GSEU.S. government-sponsored enterprise
Holding CompanyUnited Community Banks, Inc. on an unconsolidated basis
HTMHeld-to-maturity
LIHTCLow- income housing tax credit
MD&AManagement's Discussion and Analysis of Financial Condition and Results of Operations
MBSMortgage-backed securities
NOWNegotiable order of withdrawal
NPANonperforming asset
OCIOther comprehensive income (loss)
OREOOther real estate owned
PAM
Proportional amortization method
PCDPurchased credit deteriorated
Progress
Progress Financial Corporation and its wholly-owned subsidiary, Progress Bank & Trust
Report
Quarterly Report on Form 10-Q for the quarterly period ending March 31, 2024
SBAUnited States Small Business Administration
SECSecurities and Exchange Commission
U.S. TreasuryUnited States Department of the Treasury
UnitedUnited Community Banks, Inc. and its direct and indirect subsidiaries
USDAUnited States Department of Agriculture
VIEVariable interest entity
3


Cautionary Note Regarding Forward-looking Statements
 
This Report contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are neither statements of historical or current fact nor are they assurances of future performance and generally can be identified by the use of forward-looking terminology such as “believes”, “expects”, “may”, “will”, “could”, “should”, “projects”, “plans”, “goal”, “targets”, “potential”, “estimates”, “pro forma”, “seeks”, “intends”, or “anticipates”, or similar expressions. Forward-looking statements include discussions of strategy, financial projections, guidance and estimates (including their underlying assumptions), statements regarding plans, objectives, expectations or consequences of various transactions or events, and statements about our future performance, operations, products and services, and should be viewed with caution.

Because forward-looking statements relate to the future, they are subject to known and unknown risks, uncertainties, assumptions, and changes in circumstances, many of which are beyond our control, and that are difficult to predict as to timing, extent, likelihood and degree of occurrence, and that could cause actual results to differ materially from the results implied or anticipated by the statements. Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward-looking statements include, but are not limited to the following:

negative economic and political conditions that adversely affect the general economy, the banking sector, housing prices, the real estate market, the job market, consumer confidence, the financial condition of our borrowers and consumer spending habits, which may affect, among other things, the levels of NPAs, charge-offs and provision expense;
changes in loan underwriting, credit review or loss policies associated with economic conditions, examination conclusions or regulatory developments;
the potential effects of pandemics or public health conditions on the economic and business environments in which we operate, including the impact of actions taken by governmental authorities to address these situations;
strategic, market, operational, liquidity and interest rate risks associated with our business;
potential fluctuations or unanticipated changes in the interest rate environment, including interest rate changes made by the Federal Reserve, replacement or reform of other interest rate benchmarks, as well as cash flow reassessments may reduce net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets;
any unanticipated or greater than anticipated adverse conditions in the national or local economies in which we operate;
our loan concentration in industries or sectors that may experience unanticipated or greater than anticipated adverse conditions than other industries or sectors in the national or local economies in which we operate;
the risks of expansion into new geographic or product markets;
risks with respect to our ability to identify and complete future mergers or acquisitions as well as our ability to successfully expand and integrate those businesses and operations that we acquire;
our ability to attract and retain key employees;
competition from financial institutions and other financial service providers including non-bank financial technology providers and our ability to attract customers from other financial institutions;
losses due to fraudulent and negligent conduct of our customers, third-party service providers or employees;
cybersecurity risks and the vulnerability of our network and online banking portals, and the systems or parties with whom we contract, to unauthorized access, computer viruses, phishing schemes, spam attacks, human error, natural disasters, power loss and other security breaches that could adversely affect our business and financial performance or reputation;
our reliance on third parties to provide key components of our business infrastructure and services required to operate our business;
the risk that we may be required to make substantial expenditures to keep pace with regulatory initiatives and the rapid technological changes in the financial services market;
the availability of and access to capital, particularly if there were to be increased capital requirements or enhanced regulatory supervision;
legislative, regulatory or accounting changes that may adversely affect us;
volatility in the ACL resulting from the CECL methodology, either alone or as that may be affected by conditions affecting our business;
adverse results (including judgments, costs, fines, reputational harm, inability to obtain necessary approvals and/or other negative effects) from current or future litigation, regulatory proceedings, examinations, investigations, or similar matters, or developments related thereto;
any matter that would cause us to conclude that there was impairment of any asset, including intangible assets, such as goodwill;
limitations on our ability to declare and pay dividends and other distributions from the Bank to the Holding Company, which could affect Holding Company liquidity, including its ability to pay dividends to shareholders or take other capital actions;
the potential effects of events beyond our control that may have a destabilizing effect on financial markets and the economy, such as inflation or recession, terrorist activities, wars and other foreign conflicts, climate change, disruptions in our customers’ supply chains, disruptions in transportation, essential utility outages or trade disputes and related tariffs; and
other risks and uncertainties disclosed in documents filed or furnished by us with or to the SEC, any of which could cause actual results to differ materially from future results expressed, implied or otherwise anticipated by such forward-looking statements.

We caution readers that the foregoing list of factors is not exclusive, is not necessarily in order of importance and readers should not place undue reliance on forward-looking statements. Additional factors that may cause actual results to differ materially from those contemplated by any forward-looking statements also may be found in our 2023 10-K (including the “Risk Factor” section of that report), Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K filed with the SEC and available at the SEC’s website at http://www.sec.gov. We do not intend to and, except as required by law, hereby disclaim any obligation to update or revise any forward-looking statement contained in this Report, which speaks only as of the date of its filing with the SEC, whether as a result of new information, future events, or otherwise. The financial statements and information contained herein have not been reviewed, or confirmed for accuracy or relevance, by the FDIC or any other regulator.

4


Part I. FINANCIAL INFORMATION
Item 1. Financial Statements

UNITED COMMUNITY BANKS, INC.
Consolidated Balance Sheets (Unaudited)
(in thousands, except share data)March 31,
2024
December 31,
2023
ASSETS  
Cash and due from banks$203,932 $200,781 
Interest-bearing deposits in banks758,001 803,094 
Cash and cash equivalents961,933 1,003,875 
Debt securities available-for-sale3,393,399 3,331,084 
Debt securities held-to-maturity (fair value $2,042,912 and $2,095,620, respectively)
2,465,133 2,490,848 
Loans held for sale 38,140 33,008 
Loans and leases held for investment18,374,844 18,318,755 
Allowance for credit losses - loans and leases(210,934)(208,071)
Loans and leases, net18,163,910 18,110,684 
Premises and equipment, net386,052 378,421 
Bank owned life insurance342,486 345,371 
Goodwill and other intangible assets, net987,539 990,087 
Other assets626,296 613,873 
Total assets$27,364,888 $27,297,251 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand$6,409,659 $6,534,307 
Interest-bearing deposits16,922,350 16,776,304 
Total deposits23,332,009 23,310,611 
Long-term debt324,854 324,823 
Accrued expenses and other liabilities407,915 400,292 
Total liabilities24,064,778 24,035,726 
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized; 3,662 shares Series I issued and
  outstanding; $25,000 per share liquidation preference
88,266 88,266 
Common stock, $1 par value: 200,000,000 shares authorized,
  119,136,518 and 119,010,319 shares issued and outstanding, respectively
119,137 119,010 
Common stock issuable: 560,833 and 620,108 shares, respectively
11,923 13,110 
Capital surplus2,702,807 2,699,112 
Retained earnings614,612 581,219 
Accumulated other comprehensive loss(236,635)(239,192)
Total shareholders' equity3,300,110 3,261,525 
Total liabilities and shareholders' equity$27,364,888 $27,297,251 
 
See accompanying notes to consolidated financial statements (unaudited).
5


UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)
Three Months Ended
March 31,
(in thousands, except per share data)20242023
Interest revenue:
Loans, including fees$283,983 $236,431 
Investment securities, including tax exempt of $1,721 and $2,110, respectively
46,436 39,986 
Deposits in banks and short-term investments6,309 3,070 
Total interest revenue336,728 279,487 
Interest expense:
Deposits133,784 57,861 
Short-term borrowings 1,148 
Federal Home Loan Bank advances 5,112 
Long-term debt3,795 3,896 
Total interest expense137,579 68,017 
Net interest revenue199,149 211,470 
Provision for credit losses12,899 21,783 
Net interest revenue after provision for credit losses186,250 189,687 
Noninterest income:
Service charges and fees9,264 8,699 
Mortgage loan gains and other related fees7,511 4,521 
Wealth management fees6,313 5,724 
Gains from sales of other loans1,537 1,916 
Lending and loan servicing fees4,210 4,016 
Securities losses, net (1,644)
Other10,752 6,977 
Total noninterest income39,587 30,209 
Total revenue225,837 219,896 
Noninterest expenses:
Salaries and employee benefits84,985 78,698 
Communications and equipment11,920 10,008 
Occupancy11,099 9,889 
Advertising and public relations1,901 2,349 
Postage, printing and supplies2,648 2,537 
Professional fees5,988 6,072 
Lending and loan servicing expense1,827 2,319 
Outside services - electronic banking2,918 3,425 
FDIC assessments and other regulatory charges7,566 4,001 
Amortization of intangibles3,887 3,528 
Merger-related and other charges2,087 8,631 
Other8,176 8,348 
Total noninterest expenses145,002 139,805 
Income before income taxes80,835 80,091 
Income tax expense18,204 17,791 
Net income$62,631 $62,300 
Net income available to common shareholders$60,713 $60,242 
Net income per common share:
Basic$0.51 $0.52 
Diluted0.51 0.52 
Weighted average common shares outstanding:
Basic119,662 115,451 
Diluted119,743 115,715 
See accompanying notes to consolidated financial statements (unaudited). 
6


UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Unaudited)
Three Months Ended March 31,
(in thousands)Before-tax
Amount
Tax
(Expense)
Benefit
Net of Tax
Amount
2024
Net income$80,835 $(18,204)$62,631 
Other comprehensive income:
Unrealized gains on available-for-sale securities356 (209)147 
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale2,063 (493)1,570 
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives2,524 (645)1,879 
Gains on derivative instruments realized in net income(1,440)368 (1,072)
Net cash flow hedge activity1,084 (277)807 
Amortization of defined benefit pension plan net periodic pension cost components44 (11)33 
Total other comprehensive income3,547 (990)2,557 
Comprehensive income$84,382 $(19,194)$65,188 
2023
Net income$80,091 $(17,791)$62,300 
Other comprehensive income:
Unrealized gains on available-for-sale securities:
Unrealized holding gains43,279 (10,284)32,995 
Reclassification adjustment for losses included in net income1,644 (374)1,270 
Net unrealized gains44,923 (10,658)34,265 
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale2,968 (720)2,248 
Derivative instruments designated as cash flow hedges:
Unrealized holding losses on derivatives(1,202)307 (895)
Gains on derivative instruments realized in net income(822)210 (612)
Net cash flow hedge activity(2,024)517 (1,507)
Amortization of defined benefit pension plan net periodic pension cost components61 (16)45 
Total other comprehensive income45,928 (10,877)35,051 
Comprehensive income$126,019 $(28,668)$97,351 

See accompanying notes to consolidated financial statements (unaudited).
7


UNITED COMMUNITY BANKS, INC.
Consolidated Statement of Changes in Shareholders’ Equity (Unaudited)
For the Three Months Ended March 31,
(in thousands, except share data) Shares of Common StockPreferred StockCommon StockCommon Stock IssuableCapital SurplusRetained EarningsAccumulated
Other Comprehensive Income (Loss)
Total
December 31, 2023119,010,319 $88,266 $119,010 $13,110 $2,699,112 $581,219 $(239,192)$3,261,525 
Net income62,631 62,631 
Other comprehensive income2,557 2,557 
Preferred stock dividends(1,573)(1,573)
Common stock dividends ($0.23 per share)
(27,665)(27,665)
Impact of equity-based compensation awards80,147 80 76 2,956 3,112 
Impact of other United sponsored equity plans46,052 47 (1,263)739 (477)
March 31, 2024119,136,518 $88,266 $119,137 $11,923 $2,702,807 $614,612 $(236,635)$3,300,110 
December 31, 2022106,222,758 $96,422 $106,223 $12,307 $2,306,366 $508,844 $(329,488)$2,700,674 
Net income62,300 62,300 
Other comprehensive income35,051 35,051 
Impact of acquisitions8,770,531 8,771 297,690 306,461 
Preferred stock dividends(1,719)(1,719)
Common stock dividends ($0.23 per share)
(26,819)(26,819)
Impact of equity-based compensation awards121,888 122 498 1,900 2,520 
Impact of other United sponsored equity plans36,389 36 (828)447 (345)
March 31, 2023115,151,566 $96,422 $115,152 $11,977 $2,606,403 $542,606 $(294,437)$3,078,123 

See accompanying notes to consolidated financial statements (unaudited).
8


UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Cash Flows (Unaudited)

Three Months Ended March 31,
(in thousands)20242023
Operating activities:  
Net income$62,631 $62,300 
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net10,880 12,126 
Provision for credit losses12,899 21,783 
Stock based compensation2,403 2,482 
Deferred income tax expense4,059 8,103 
Securities losses, net 1,644 
Gains from sales of other loans(1,537)(1,916)
Changes in assets and liabilities:
Other assets(12,359)10,303 
Accrued expenses and other liabilities14,965 (22,029)
Loans held for sale(5,132)(4,703)
Net cash provided by operating activities88,809 90,093 
Investing activities:
Debt securities held-to-maturity:
Proceeds from maturities and calls27,051 31,550 
Debt securities available-for-sale:
Proceeds from sales647 380,661 
Proceeds from maturities and calls229,902 83,794 
Purchases(302,962)(25,862)
Net increase in loans(67,629)(345,316)
Payments for other investments(4,353)(74,323)
Proceeds from other investments380 93,687 
Proceeds from sales of premises and equipment16 2,169 
Purchases of premises and equipment(13,710)(22,602)
Net cash received in acquisition 57,101 
Other investing inflows8,145 436 
Net cash (used in) provided by investing activities(122,513)181,295 
Financing activities:
Net increase in deposits21,024 793,162 
Net decrease in short-term borrowings (292,732)
Proceeds from FHLB advances100 1,580,000 
Repayment of FHLB advances(100)(2,195,000)
Cash dividends on common stock(27,733)(23,674)
Cash dividends on preferred stock(1,573)(1,719)
Other financing inflows1,211 1,058 
Other financing outflows(1,167)(1,655)
Net cash used in financing activities(8,238)(140,560)
Net change in cash and cash equivalents(41,942)130,828 
Cash and cash equivalents, beginning of period1,003,875 646,853 
Cash and cash equivalents, end of period$961,933 $777,681 

See accompanying notes to consolidated financial statements (unaudited). 
9

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


Note 1 – Basis of Presentation

Basis of Presentation 
United’s accounting and financial reporting policies conform to GAAP and reporting guidelines of banking regulatory authorities. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its 2023 10-K.
 
In management’s opinion, all accounting adjustments necessary to accurately reflect the financial position and results of operations on the accompanying financial statements have been made. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. The results for interim periods are not necessarily indicative of results for the full year or any other interim periods. The accompanying unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in United’s 2023 10-K.

Note 2 – Accounting Standards Updates and Recently Adopted Standards

Recently Adopted Standards
In March 2023, the FASB issued ASU No. 2023-02, Investments - Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method. The update broadens the application of PAM and related disclosures to tax equity investments other than LIHTC, providing certain conditions are met. The election to apply PAM must be made on a tax-credit-program by tax-credit-program basis rather than at the reporting entity level or to individual investments. United adopted this update using a modified retrospective transition method as of January 1, 2024, with no impact to shareholders’ equity; thus, no cumulative effect adjustment to retained earnings was recorded.

Note 3 – Supplemental Cash Flow Information

The supplemental schedule of significant non-cash investing and financing activities for the three months ended March 31, 2024 and 2023 is as follows.
Three Months Ended March 31,
(in thousands)20242023
Significant non-cash investing and financing transactions:
Commitments to fund equity investments $10,693 $20,000 
Acquisitions:
  Assets acquired 1,903,930 
  Liabilities assumed 1,597,022 
  Net assets acquired 306,908 
  Common stock issued and options converted 306,461 

Note 4 – Acquisitions

Acquisition of First Miami

On July 1, 2023, United acquired all of the outstanding common stock of First Miami in a stock transaction. Information related to the fair value of assets and liabilities acquired is included in United’s 2023 10-K. During the first quarter of 2024, within the one-year measurement period related to the acquisition of First Miami, United received additional information regarding the lack of realizability of certain tax credits. As a result, the provisional fair value assigned to acquired other assets was adjusted to $18.8 million, other liabilities was adjusted to $16.9 million and goodwill was adjusted to $24.5 million, which represents a decrease of $2.06 million, a decrease of $726,000 and an increase of $1.34 million, respectively.

Pro forma information - Progress
 
The following table discloses certain pro forma information as if Progress had been acquired on January 1, 2022. These results combine the historical results of the acquired entity with United’s consolidated statement of income. Adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity; however pro forma financial results presented are not necessarily indicative of what would have occurred had the acquisitions taken place in earlier years.

10

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

Merger-related costs related to the Progress acquisition of $7.49 million have been excluded from the three months ended March 31, 2023 pro forma information presented below. The actual results and pro forma information were as follows:
 Three Months Ended
March 31, 2023
(in thousands)RevenueNet Income
Actual Progress results included in statement of income since acquisition date$6,652 $1,810 
Supplemental consolidated pro forma as if Progress had been acquired January 1, 2022229,541 75,209 

Note 5 – Investment Securities

The amortized cost basis, unrealized gains and losses and fair value of HTM debt securities as of the dates indicated are as follows.
(in thousands)Amortized
Cost
Gross Unrealized
Gains
Gross Unrealized
Losses
Fair
Value
As of March 31, 2024    
U.S. Treasuries$19,872 $ $2,093 $17,779 
U.S. Government agencies & GSEs99,052  16,673 82,379 
State and political subdivisions292,236 23 52,802 239,457 
Residential MBS, Agency & GSEs1,360,395 9 223,439 1,136,965 
Commercial MBS, Agency & GSEs678,578  124,464 554,114 
Supranational entities15,000  2,782 12,218 
Total$2,465,133 $32 $422,253 $2,042,912 
As of December 31, 2023
U.S. Treasuries$19,864 $ $1,914 $17,950 
U.S. Government agencies & GSEs99,052  15,689 83,363 
State and political subdivisions292,705 171 50,437 242,439 
Residential MBS, Agency & GSEs1,383,294 24 206,344 1,176,974 
Commercial MBS, Agency & GSEs680,933  118,539 562,394 
Supranational entities$15,000 $ $2,500 $12,500 
Total$2,490,848 $195 $395,423 $2,095,620 

11

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

The amortized cost basis, unrealized gains and losses, and fair value of AFS debt securities as of the dates indicated are presented below.
(in thousands)Amortized
Cost
Gross Unrealized
Gains
Gross Unrealized
Losses
Fair
Value
As of March 31, 2024    
U.S. Treasuries$411,640 $5 $12,865 $398,780 
U.S. Government agencies & GSEs312,408 259 15,241 297,426 
State and political subdivisions181,829  18,566 163,263 
Residential MBS, Agency & GSEs1,337,504 250 132,233 1,205,521 
Residential MBS, Non-agency333,045  20,673 312,372 
Commercial MBS, Agency & GSEs693,011 100 39,653 653,458 
Commercial MBS, Non-agency20,165  542 19,623 
Corporate bonds213,371 130