United Community Banks, Inc. (UCB)

A regional bank. Read November 8, 2026 from the annual report for the period ending December 31, 2025, filed February 17, 2026. Ranked 121 of the 173 Financial Services companies read so far, by the share within reach now.

A regional bank holding company with 3,070 full-time equivalent employees in one banking pattern by description.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 56% now, 66% at the end of 2027, 68% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 61% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

3,070 employees as of December 31, 2025 (full-time equivalent). The filing describes a bank operating in southeastern U.S. states and nothing abroad, so the U.S. share is recorded as 1, flagged.

The filing: “As of December 31, 2025, we employed 3,070 full-time equivalent employees compared to 2,979 as of December 31, 2024.”

The workforce as industry patterns

What the filing says about the workforce: 3,070 full-time equivalent employees, up 3% from 2,979; named one of American Banker's Best Banks to Work For for nine consecutive years.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.

• JPMorgan Chase (JPM, 318,512 employees)56% now, 70% by 2028
• Citigroup (C, 226,000 employees)57% now, 70% by 2028
• Bank of America (BAC, 213,000 employees)57% now, 69% by 2028
• Wells Fargo (WFC, 205,000 employees)57% now, 69% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)56% now, 68% by 2028
• U.S. Bancorp (USB, 68,520 employees)56% now, 68% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)56% now, 68% by 2028
• Mastercard Incorporated (MA, 39,800 employees)56% now, 68% by 2028

What the filing says about AI

8 sentences in the filing name AI. Eight sentences, risk factors: rapid technological change from artificial intelligence and machine learning, used by non-bank competitors to draw revenue away from banks.

• “Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward-looking statements, in addition to those described in detail under Item 1A of this Report - "Risk Factors" - include, but are not limited to the following: negative economic and political conditions that adversely affect the general economy, the banking sector,...”
• “The financial services industry has undergone and continues to undergo rapid change as a result of frequent new technological innovations, such as artificial intelligence and machine learning.”
• “Recent technologies that have been integrated into the existing financial and banking systems, such as artificial intelligence, machine learning and continued development of smartphone applications have also been utilized by non-bank competitors, which has siphoned a portion of the revenues from those services away from banks and disrupting traditional methods of delivering those services.”
• “For example, companies which claim to offer applications and services based on artificial intelligence are beginning to compete much more directly with traditional financial services companies in areas involving personal advice, including high-margin services such as wealth management.”
• “Our success in the competitive environment in which we operate requires consistent investment of capital and human resources in innovation, particularly in light of the current fintech environment, in which the financial services industry is undergoing rapid technological changes and financial institutions are investing significantly in evaluating new technologies, such as artificial intelligen...”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20211median 0
• Fiscal 20221median 0
• Fiscal 20233median 1
• Fiscal 20246median 4
• Fiscal 20258median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• A full-time equivalent count, recorded as such (rule 2).
• The U.S. share is read from the filing's description, not stated as a share.

Source: the company's annual report on EDGAR, accession 0000857855-26-000008, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.