# United Community Banks: 3 Key Takeaways for Long-Term Investors

> United Community Banks cuts credit risk by exiting Navitas, boosts loan growth with veteran hires, and positions for higher interest rates.
- Title: United Community Banks: 3 Key Takeaways for Long-Term…
- Summary: United Community Banks cuts credit risk by exiting Navitas, boosts loan growth with veteran hires, and positions for higher interest rates. United Community…
- Keywords: united community banks, navitas, loan growth, floating rates, interest rates, seattle, finance, money, United, Community, Banks, Key
- Source: The Motley Fool — https://fool.com/earnings/takeaways/2026/10/22/united-community-banks-3-key-takeaways-for-long-term-investors
- Author: The Motley Fool Team
- Published: 2026-10-22T21:01:32+00:00
- Read time: 1 min
- Topics: united community banks, navitas, loan growth, floating rates, interest rates, seattle, finance, money
## Exiting Navitas Lowers Risk
United Community Banks sold its equipment finance subsidiary Navitas to reduce nonperforming loans and credit losses.

> We simplified the business and reduced credit risk by exiting Navitas.
## Veteran Hires Drive Loan Growth
New hires increased loan production to $170 million in Q3, contributing 40% of funded loan growth.

> Production from new hires within the last year increased to approximately $170 million in the third quarter.
## Floating Rates Position for Higher Rates
Half of loans and securities are floating rate, positioning the bank for higher interest rates.

> We are well positioned for a higher for longer rate environment as approximately half of our loans and securities are floating rate.
## Key takeaway

United Community Banks reduced credit risk by selling Navitas, increased loan growth through veteran hires, and is well positioned for higher interest rates.