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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 September 30, 2021
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 89,293,000 shares of the registrant’s common stock, par value $1 per share, outstanding as of October 31, 2021.



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
2020 10-K
Annual Report on Form 10-K for the year ended December 31, 2020
ACLAllowance for credit losses
AFSAvailable-for-sale
ALCOAsset/Liability Management Committee
AOCIAccumulated other comprehensive income (loss)
Aquesta
Aquesta Financial Holdings, Inc. and its wholly-owned subsidiary, Aquesta Bank
ASUAccounting standards update
BankUnited Community Bank
BoardUnited Community Banks Inc., Board of Directors
BOLIBank-owned life insurance
CARES ActCoronavirus Aid, Relief, and Economic Security Act
CECLCurrent expected credit loss model
CET1Common equity tier 1
CMEChicago Mercantile Exchange
CompanyUnited Community Banks Inc. (interchangeable with "United" below)
CVACredit valuation adjustments
FASBFinancial Accounting Standards Board
FDICFederal Deposit Insurance Corporation
Federal ReserveFederal Reserve System
FHLBFederal Home Loan Bank
FinTrust
FinTrust Capital Partners, LLC, and its operating subsidiaries, FinTrust Capital Advisors, LLC, FinTrust Capital Benefits Group, LLC and FinTrust Brokerage Services, LLC
FTEFully taxable equivalent
GAAPAccounting principles generally accepted in the United States of America
GSEU.S. government-sponsored enterprise
HELOCHome equity lines of credit
Holding CompanyUnited Community Banks, Inc. on an unconsolidated basis
HTMHeld-to-maturity
LIBORLondon Interbank Offered Rate
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)
PCDPurchased credit deteriorated
PPPPaycheck Protection Program
Reliant
Reliant Bancorp, Inc. and its wholly-owned subsidiary, Reliant Bank
ReportQuarterly Report on Form 10-Q
SBAUnited States Small Business Administration
SeasideSeaside National Bank & Trust, subsidiary bank of Three Shores Bancorporation, Inc.
SECSecurities and Exchange Commission
TDRTroubled debt restructuring
Three ShoresThree Shores Bancorporation, Inc., parent company of Seaside National Bank & Trust
U.S. TreasuryUnited States Department of the Treasury
UnitedUnited Community Banks, Inc. and its direct and indirect subsidiaries
USDAUnited States Department of Agriculture
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, 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 non-performing assets, charge-offs and provision expense;
changes in loan underwriting, credit review or loss policies associated with economic conditions, examination conclusions or regulatory developments, either as they currently exist or as they may be affected by conditions associated with the COVID-19 pandemic;
the COVID-19 pandemic and its continuing effects on the economic and business environments in which we operate;
strategic, market, operational, liquidity and interest rate risks associated with our business;
continuation of historically low interest rates coupled with other potential fluctuations or unanticipated changes in the interest rate environment, including interest rate changes made by the Federal Reserve, the discontinuation of LIBOR as an interest rate benchmark, and 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;
our lack of geographic diversification and 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 anticipated adverse conditions greater 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 recent, pending or future mergers or acquisitions, including our ability to successfully complete acquisitions and therefore, to integrate or expand 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 of 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;
legislative (e.g., tax), 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 arising out of the COVID-19 pandemic;
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 the ability to pay dividends to shareholders or undertake other capital initiatives, such as share repurchases; 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 2020 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 hereof, 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)
September 30,
2021
December 31,
2020
ASSETS  
Cash and due from banks$131,785 $148,896 
Interest-bearing deposits in banks1,686,008 1,459,723 
Cash and cash equivalents1,817,793 1,608,619 
Debt securities available-for-sale4,251,436 3,224,721 
Debt securities held-to-maturity (fair value $1,079,925 and $437,193, respectively)
1,083,324 420,361 
Loans held for sale at fair value68,424 105,433 
Loans and leases held for investment11,191,037 11,370,815 
Less allowance for credit losses - loans and leases(99,620)(137,010)
Loans and leases, net11,091,417 11,233,805 
Premises and equipment, net225,350 218,489 
Bank owned life insurance204,282 201,969 
Accrued interest receivable41,561 47,672 
Net deferred tax asset37,617 38,411 
Derivative financial instruments53,296 86,666 
Goodwill and other intangible assets, net400,994 381,823 
Other assets205,663 226,405 
Total assets$19,481,157 $17,794,374 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand$6,492,519 $5,390,291 
Interest-bearing deposits10,372,898 9,842,067 
Total deposits16,865,417 15,232,358 
Long-term debt247,139 326,956 
Derivative financial instruments26,065 29,003 
Accrued expenses and other liabilities220,178 198,527 
Total liabilities17,358,799 15,786,844 
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized;
  Series I, $25,000 per share liquidation preference; 4,000 shares issued and outstanding
96,422 96,422 
Common stock, $1 par value: 200,000,000 and 150,000,000 shares authorized, respectively;
  86,558,647 and 86,675,279 shares issued and outstanding, respectively
86,559 86,675 
Common stock issuable: 588,258 and 600,834 shares, respectively
11,098 10,855 
Capital surplus1,631,709 1,638,999 
Retained earnings298,503 136,869 
Accumulated other comprehensive (loss) income(1,933)37,710 
Total shareholders' equity2,122,358 2,007,530 
Total liabilities and shareholders' equity$19,481,157 $17,794,374 
 
See accompanying notes to consolidated financial statements (unaudited).
5


UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)
(in thousands, except per share data)
Three Months Ended
September 30,
Nine Months Ended
September 30,
2021202020212020
Interest revenue:  
Loans, including fees$128,477 $126,936 $382,261 $352,861 
Investment securities, including tax exempt of $2,280 and $1,895 and $6,685 and
  $4,988, respectively
18,540 14,558 51,530 47,567 
Deposits in banks and short-term investments658 279 1,235 1,497 
Total interest revenue147,675 141,773 435,026 401,925 
Interest expense:
Deposits3,142 8,998 11,981 35,344 
Short-term borrowings 29 2 31 
Long-term debt3,494 4,292 11,564 10,186 
Total interest expense6,636 13,319 23,547 45,561 
Net interest revenue141,039 128,454 411,479 356,364 
(Release of) provision for credit losses(11,034)21,793 (36,903)77,527 
Net interest revenue after provision for credit losses152,073 106,661 448,382 278,837 
Noninterest income:
Service charges and fees9,350 8,260 25,255 23,893 
Mortgage loan gains and other related fees13,828 25,144 47,536 57,113 
Wealth management fees5,554 3,055 12,881 6,019 
Gains from sales of other loans, net2,353 1,175 7,506 3,889 
Securities gains, net 746 41 746 
Other9,010 10,302 27,422 23,074 
Total noninterest income40,095 48,682 120,641 114,734 
Total revenue192,168 155,343 569,023 393,571 
Noninterest expenses:
Salaries and employee benefits60,458 59,067 180,457 162,236 
Communications and equipment7,368 6,960 21,979 19,462 
Occupancy7,096 7,050 21,130 18,709 
Advertising and public relations1,458 1,778 4,150 5,312 
Postage, printing and supplies1,731 1,703 5,171 4,986 
Professional fees5,347 5,083 14,509 14,003 
Lending and loan servicing expense2,450 3,043 8,508 8,525 
Outside services - electronic banking2,308 1,888 6,811 5,516 
FDIC assessments and other regulatory charges1,723 1,346 5,520 4,388 
Amortization of intangibles1,028 1,099 2,942 3,126 
Merger-related and other charges1,437 3,361 4,058 4,566 
Other4,345 3,603 12,248 10,670 
Total noninterest expenses96,749 95,981 287,483 261,499 
Income before income taxes95,419 59,362 281,540 132,072 
Income tax expense21,603 11,755 63,758 27,485 
Net income$73,816 $47,607 $217,782 $104,587 
Net income available to common shareholders$71,649 $45,437 $211,283 $101,994 
Net income per common share:
Basic$0.82 $0.52 $2.42 $1.25 
Diluted0.82 0.52 2.42 1.25 
Weighted average common shares outstanding:
Basic87,211 87,129 87,274 81,815 
Diluted87,355 87,205 87,413 81,876 

See accompanying notes to consolidated financial statements (unaudited). 
6



UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Unaudited)
(in thousands)
Three Months Ended September 30,Nine Months Ended September 30,
Before-tax
Amount
Tax
(Expense)
Benefit
Net of Tax
Amount
Before-tax
Amount
Tax
(Expense)
Benefit
Net of Tax
Amount
2021
Net income$95,419 $(21,603)$73,816 $281,540 $(63,758)$217,782