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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, 2023
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 118,979,851 shares of the registrant’s common stock, par value $1 per share, outstanding as of October 31, 2023.



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
2022 10-K
United’s Annual Report on Form 10-K for the year ended December 31, 2022 filed with the SEC on February 24, 2023
ACLAllowance for credit losses
AFSAvailable-for-sale
ALCOAsset/Liability Management Committee
AOCIAccumulated other comprehensive income (loss)
ARRAlternative reference rate
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
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
LIBORLondon Interbank Offered Rate
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
PCDPurchased credit deteriorated
Progress
Progress Financial Corporation and its wholly-owned subsidiary, Progress Bank & Trust
Reliant
Reliant Bancorp, Inc. and its wholly-owned subsidiary, Reliant Bank
Report
Quarterly Report on Form 10-Q for the quarterly period ending September 30, 2023
SBAUnited States Small Business Administration
SECSecurities and Exchange Commission
SOFRSecured Overnight Financing Rate
TDRTroubled debt restructuring
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, replacements of LIBOR and 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 2022 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)
September 30,
2023
December 31,
2022
ASSETS  
Cash and due from banks$192,726 $195,771 
Interest-bearing deposits in banks566,779 316,082 
Federal funds and other short-term investments 135,000 
Cash and cash equivalents759,505 646,853 
Debt securities available-for-sale3,182,112 3,614,333 
Debt securities held-to-maturity (fair value $1,992,364 and $2,191,073, respectively)
2,518,773 2,613,648 
Loans held for sale 37,110 13,600 
Loans and leases held for investment18,202,807 15,334,627 
Less allowance for credit losses - loans and leases(201,557)(159,357)
Loans and leases, net18,001,250 15,175,270 
Premises and equipment, net371,435 298,456 
Bank owned life insurance344,647 299,297 
Goodwill and other intangible assets, net994,142 779,248 
Other assets660,233 568,179 
Total assets$26,869,207 $24,008,884 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand$6,782,031 $7,643,081 
Interest-bearing deposits16,075,837 12,233,426 
Total deposits22,857,868 19,876,507 
Short-term borrowings37,348 158,933 
Federal Home Loan Bank advances 550,000 
Long-term debt324,786 324,663 
Accrued expenses and other liabilities465,381 398,107 
Total liabilities23,685,383 21,308,210 
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized; 3,745 and 4,000 shares Series I issued and
  outstanding, respectively; $25,000 per share liquidation preference
90,283 96,422 
Common stock, $1 par value: 200,000,000 shares authorized,
  118,975,652 and 106,222,758 shares issued and outstanding, respectively
118,976 106,223 
Common stock issuable: 608,646 and 607,128 shares, respectively
12,782 12,307 
Capital surplus2,697,671 2,306,366 
Retained earnings596,617 508,844 
Accumulated other comprehensive loss(332,505)(329,488)
Total shareholders' equity3,183,824 2,700,674 
Total liabilities and shareholders' equity$26,869,207 $24,008,884 
 
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,
2023202220232022
Interest revenue:  
Loans, including fees$273,781 $174,065 $760,696 $476,072 
Investment securities, including tax exempt of $1,722, $2,568, $5,563 and $7,762, respectively
44,729 36,953 125,775 91,043 
Deposits in banks and short-term investments4,637 2,869 11,938 5,209 
Total interest revenue323,147 213,887 898,409 572,324 
Interest expense:
Deposits116,733 9,880 263,811 17,313 
Short-term borrowings189 27 3,186 27 
Federal Home Loan Bank advances  5,761  
Long-term debt3,669 4,206 11,339 12,515 
Total interest expense120,591 14,113 284,097 29,855 
Net interest revenue202,556 199,774 614,312 542,469 
Provision for credit losses30,268 15,392 74,804 44,082 
Net interest revenue after provision for credit losses172,288 184,382 539,508 498,387 
Noninterest income:
Service charges and fees10,315 9,569 28,791 28,644 
Mortgage loan gains and other related fees6,159 6,297 17,264 29,420 
Wealth management fees6,451 5,879 17,775 17,759 
Gains from sales of other loans, net2,688 2,228 6,909 9,226 
Lending and loan servicing fees2,985 2,946 9,979 7,518 
Securities losses, net  (1,644)(3,688)
Other3,379 5,003 19,499 15,474 
Total noninterest income31,977 31,922 98,573 104,353 
Total revenue204,265 216,304 638,081 602,740 
Noninterest expenses:
Salaries and employee benefits81,173 67,823 236,121 208,062 
Communications and equipment10,902 8,795 31,654 27,718 
Occupancy10,941 9,138 31,024 27,381 
Advertising and public relations2,251 2,544 6,914 6,332 
Postage, printing and supplies2,386 2,190 7,305 6,308 
Professional fees7,006 4,821 19,670 14,670 
Lending and loan servicing expense2,697 2,333 7,546 7,746 
Outside services - electronic banking2,561 3,159 8,646 8,629 
FDIC assessments and other regulatory charges4,314 2,356 12,457 6,796 
Amortization of intangibles4,171 1,678 11,120 5,207 
Merger-related and other charges9,168 1,746 21,444 17,905 
Other6,904 6,172 22,785 16,066 
Total noninterest expenses144,474 112,755 416,686 352,820 
Income before income taxes59,791 103,549 221,395 249,920 
Income tax expense11,925 22,388 47,941 53,898 
Net income$47,866 $81,161 $173,454 $196,022 
Net income available to common shareholders$46,775 $79,035 $168,245 $189,858 
Net income per common share:
Basic$0.39 $0.74 $1.44 $1.78 
Diluted0.39 0.74 1.44 1.78 
Weighted average common shares outstanding:
Basic119,506 106,687 116,925 106,616 
Diluted119,624 106,800 117,084 106,732 
See accompanying notes to consolidated financial statements (unaudited). 
6


UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Loss) (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
2023
Net income$59,791 $(11,925)$47,866 $221,395 $(47,941)$173,454 
Other comprehensive income:
Unrealized losses on available-for-sale securities:
Unrealized holding losses(38,209)8,900 (29,309)(14,683)3,398 (11,285)
Reclassification adjustment for losses included in net income   1,644 (374)1,270 
Net unrealized losses(38,209)8,900 (29,309)(13,039)3,024 (10,015)
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale2,478 (593)1,885 7,964 (1,917)6,047 
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives1,091 (279)812 3,192 (815)2,377 
Gains on derivative instruments realized in net income(42)11 (31)(2,098)536 (1,562)
Net cash flow hedge activity1,049 (268)781 1,094 (279)815 
Amortization of defined benefit pension plan net periodic pension cost components61 (16)45 183 (47)136 
Total other comprehensive loss(34,621)8,023 (26,598)(3,798)781 (3,017)
Comprehensive income$25,170 $(3,902)$21,268 $217,597 $(47,160)$170,437 
2022
Net income$103,549 $(22,388)$81,161 $249,920 $(53,898)$196,022 
Other comprehensive loss:
Unrealized losses on available-for-sale securities:
Unrealized holding losses(104,754)24,495 (80,259)(429,607)101,269 (328,338)
Reclassification of securities from available-for-sale to held-to-maturity   87,444 (20,770)66,674 
Reclassification adjustment for losses included in net income   3,688 (979)2,709 
Net unrealized losses(104,754)24,495 (80,259)(338,475)79,520 (258,955)
Unrealized losses on held-to-maturity securities transferred from available-for-sale:
  Reclassification of unrealized losses   (87,444)20,770 (66,674)
  Amortization of unrealized losses4,473 (1,073)3,400 6,242 (1,495)4,747 
Net activity4,473 (1,073)3,400 (81,202)19,275 (61,927)
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives5,034 (1,286)3,748 12,914 (3,299)9,615 
Losses on derivative instruments realized in net income48 (12)36 295 (75)220 
Net cash flow hedge activity5,082 (1,298)3,784 13,209 (3,374)9,835 
Amortization of defined benefit pension plan net periodic pension cost components169 (43)126 510 (130)380 
Total other comprehensive loss(95,030)22,081 (72,949)(405,958)95,291 (310,667)
Comprehensive income (loss)$8,519 $(307)$8,212 $(156,038)$41,393 $(114,645)

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


UNITED COMMUNITY BANKS, INC.
Consolidated Statement of Changes in Shareholders’ Equity (Unaudited)
(in thousands except share data) 
Shares of Common StockPreferred StockCommon StockCommon Stock IssuableCapital SurplusRetained EarningsAccumulated
Other Comprehensive Income (Loss)
Total
Balance at June 30, 2022106,033,960 $96,422 $106,034 $11,448 $2,304,608 $396,970 $(264,194)$2,651,288 
Net income81,161 81,161 
Other comprehensive loss(72,949)(72,949)
Preferred stock dividends(1,719)(1,719)
Common stock dividends ($0.22 per share)
(23,624)(23,624)
Impact of equity-based compensation awards126,400 126 389 (168)347 
Impact of other United sponsored equity plans2,501 3 129 74 206 
Balance at September 30, 2022106,162,861 $96,422 $106,163 $11,966 $2,304,514 $452,788 $(337,143)$