SEC Filing | United Community Banks, Inc.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July 21, 2026

UNITED COMMUNITY BANKS, INC.

(Exact name of registrant as specified in its charter)

Georgia	001-35095	58-1807304
(State or other jurisdiction of incorporation)	(Commission file number)	(IRS Employer Identification No.)

200 East Camperdown Way
Greenville, South Carolina 29601
(Address of principal executive offices)

Registrant’s telephone number, including area code:
(800) 822-2651

Not applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

	¨	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

	¨	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

	¨	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

	¨	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class		Trading Symbol(s)		Name of Each Exchange on Which Registered
Common stock, par value $1 per share		UCB		New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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. ¨

Item 2.02	Results of Operations and Financial Condition.

	On July 21, 2026, United Community Banks, Inc. (“United Community”) issued a press release announcing financial results for its second fiscal quarter of 2026. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. The information furnished pursuant to this Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under Section 18 of the Exchange Act and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.

Item 7.01	Regulation FD Disclosure.

	On July 21, 2026, United Community will hold an earnings conference call and webcast at 9:00 a.m. (Eastern Time) to discuss financial results for its second fiscal quarter of 2026. The press release referenced above in Item 2.02 contains information about how to access the conference call and webcast. A copy of the slide presentation to be used during the earnings call and webcast is furnished as Exhibit 99.2 to this Current Report on Form 8-K. The slide presentation also will be available on our website, www.ucbi.com, under the “Investor Relations – Events and Presentations” section. The information furnished pursuant to this Item 7.01, including Exhibit 99.2, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities under Section 18 of the Exchange Act and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.

Item 9.01	Financial Statements and Exhibits.

(d) Exhibits

EXHIBIT INDEX

Exhibit No.		Description

99.1		United Community Banks, Inc. Press Release, dated July 21, 2026.

99.2		Slide presentation to be used during July 21, 2026 earnings call.

104		The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	UNITED COMMUNITY BANKS, INC.

	By:	/s/ Jefferson L. Harralson
		Jefferson L. Harralson
		Executive Vice President and Chief Financial Officer

Date: July 21, 2026

Exhibit 99.1

A blue and white logo

Description automatically generated

For Immediate Release

For more information:

Jefferson Harralson

Chief Financial Officer

(864) 240-6208

Jefferson_Harralson@ucbi.com

United Community Banks, Inc. Reports Second Quarter Earnings

Strong Loan Growth, Sixth Consecutive Quarter of Margin Expansion, and Focus on Core Banking Business Drive Quarterly Results

GREENVILLE, SC – July 21, 2026 – United Community Banks, Inc. (NYSE: UCB) (United) today announced financial results for the quarter ended June 30, 2026, with strong spread income driven by 6.8% annualized loan growth and margin expansion for the sixth consecutive quarter.

Chairman and CEO Lynn Harton stated, “Our second quarter results reflect strong loan growth and a strategic emphasis on our core banking business. Our loan portfolio grew $332 million in the second quarter, an annualized rate of 6.8%, reflecting the demographic strength of our geographic footprint and the diligence of our bankers. Excluding the sale of our Navitas equipment finance business, which is expected to close in the third quarter, per a previously announced agreement, we had over $1 billion in loan production and grew loans 6.4%, annualized. We further widened our net interest margin, which is up for the sixth consecutive quarter, while maintaining our focus on disciplined relationship pricing.”

Harton continued, “We’ve recently announced the acquisition of Peach State Bank and the sale of Navitas, two strategic actions that I’m confident will be catalysts to the opportunities United has to expand and deepen relationships in the Southeast, one of the best footprints in banking. These transactions strengthen our ability to focus on our core business and position us for greater long-term success.”

Second Quarter 2026 Financial Highlights:

EPS of $0.95 was up $0.32 on a GAAP basis compared to second quarter of 2025, and EPS of $0.71 was up $0.05, or 8%, on an operating basis compared to second quarter of 2025.

GAAP EPS included a $38.5 million pre-tax provision release resulting from the reclassification of Navitas equipment finance loans to held-for-sale in the second quarter, pursuant to a previously announced agreement, which is expected to close in the third quarter of 2026.

	·	Net income of $115.6 million and pre-tax, pre-provision income of $119.4 million, up $36.9 million and $7.0 million, respectively, from a year ago.
	·	Total revenue of $279.3 million improved $19.0 million, or 7%, from a year ago.
	·	Net interest margin of 3.68% increased by 18 basis points from a year ago and 3 basis points from the first quarter of 2026. The improvement from a year ago results from a lower cost of funds and improving asset mix.

Provision for credit losses was a negative $29.8 million, reflecting the $38.5 million release of the allowance on the Navitas loans that were reclassified to held-for-sale.

	o	Excluding the release, the provision was $8.7 million, down $3.1 million from a year ago and $2.2 million from the first quarter.
	o	Allowance for credit losses coverage was 1.04% of total loans; net charge-offs were $7.9 million, or 0.16% of average loans, annualized. Second quarter net charge-offs include $3.7 million on the Navitas portfolio.

Noninterest expense was up $2.6 million on a GAAP basis and up $7.4 million on an operating basis compared to the first quarter.

Included in noninterest expense is a settlement payment to the State of California to obtain a lender’s license for Navitas. Navitas previously held a California lender’s license; however, after being acquired by United, Navitas believed that, as a bank subsidiary, they were no longer required to hold a license. The matter has been closed and license obtained. United incurred a $4.5 million expense in the second quarter, representing a payment to the California Department of Financial Protection and Innovation (DFPI) and our associated legal fees.

	·	Efficiency ratio of 57.0% on a GAAP basis, or 56.7% on an operating basis, up slightly from a year ago and first quarter mostly due to the Navitas California license settlement.
	·	Loan growth of $332 million, or 6.8% annualized, from the first quarter.
	·	Customer deposits were down $295 million from the first quarter, mostly due to seasonal public funds outflows.
	·	Return on assets was 1.63% on a GAAP basis and 1.22% on an operating basis.
	·	Return on common equity and return on tangible common equity on an operating basis were 12.6% and 13.0%, respectively.
	·	Maintained strong capital ratios with preliminary Common Equity Tier 1 of 13.5%.
	·	Quarterly common dividend of $0.25 per share declared during the quarter, up 4% year over year.

Conference Call

United will hold a conference call on Tuesday, July 21, 2026 at 9:00 a.m. EDT to discuss the contents of this press release and to share business highlights for the quarter. Participants can pre-register for the conference call by navigating to https://dpregister.com/sreg/10209320/1040bcbbd98. Those without internet access or unable to pre-register may dial in by calling 1-844-676-1337. The conference call also will be webcast and can be accessed by selecting “Events and Presentations” under “News and Events” within the Investor Relations section of the company's website, ucbi.com.

UNITED COMMUNITY BANKS, INC.

Selected Financial Information

(in thousands, except per share data)

	2026						2025												For the Six Months Ended June 30,
	Second Quarter			First Quarter			Fourth Quarter			Third Quarter			Second Quarter			Second Quarter 2026 - 2025 Change			2026			2025			YTD 2026 - 2025 Change
INCOME SUMMARY
Interest revenue	$	344,371		$	333,961		$	346,367		$	353,850		$	347,365					$	678,332		$	682,722
Interest expense		103,471			101,197			108,441			120,221			121,834						204,668			245,170
Net interest revenue		240,900			232,764			237,926			233,629			225,531			7	%		473,664			437,552			8	%
Noninterest income		38,380			43,746			40,462			43,219			34,708			11			82,126			70,364			17
Total revenue		279,280			276,510			278,388			276,848			260,239			7			555,790			507,916			9
Provision for credit losses		(29,803	)		10,853			13,662			7,907			11,818			n/m			(18,950	)		27,237			n/m
Noninterest expense		159,915			157,302			152,048			150,868			147,919			8			317,217			289,018			10
Income before income tax expense		149,168			108,355			112,678			118,073			100,502			48			257,523			191,661			34
Income tax expense		33,530			24,066			26,223			26,579			21,769			54			57,596			41,515			39
Net income		115,638			84,289			86,455			91,494			78,733			47			199,927			150,146			33
Non-operating items		(37,582	)		508			606			3,468			4,833						(37,074	)		6,130
Income tax benefit of non-operating items		8,347			(113	)		(133	)		(751	)		(1,047	)					8,234			(1,328	)
Net income - operating ⁽¹⁾	$	86,403		$	84,684		$	86,928		$	94,211		$	82,519			5		$	171,087		$	154,948			10
Pre-tax pre-provision income ⁽⁵⁾	$	119,365		$	119,208		$	126,340		$	125,980		$	112,320			6		$	238,573		$	218,898			9
PERFORMANCE MEASURES
Per common share:
Diluted net income - GAAP	$	0.95		$	0.69		$	0.70		$	0.70		$	0.63			51		$	1.65		$	1.21			36
Diluted net income - operating ⁽¹⁾		0.71			0.70			0.71			0.75			0.66			8			1.41			1.25			13
Cash dividends declared		0.25			0.25			0.25			0.25			0.24			4			0.50			0.48			4
Book value		31.27			30.54			30.17			29.44			28.89			8			31.27			28.89			8
Tangible book value ⁽³⁾		23.31			22.56			22.24			21.59			21.00			11			23.31			21.00			11
Key performance ratios:
Return on common equity - GAAP ⁽²⁾⁽⁴⁾		12.56	%		9.35	%		9.48	%		9.20	%		8.45	%					10.97	%		8.18	%
Return on common equity - operating ^(1)(2)(4)		9.39			9.39			9.53			9.83			8.87						9.39			8.45
Return on tangible common equity - operating ^(1)(2)(3)(4)		12.98			13.05			13.31			13.56			12.34						13.02			11.78
Return on assets - GAAP ⁽⁴⁾		1.63			1.22			1.21			1.29			1.11						1.43			1.06
Return on assets - operating ⁽¹⁾⁽⁴⁾		1.22			1.22			1.22			1.33			1.16						1.22			1.10
Return on assets - pre-tax pre-provision, excluding non-operating items^(1)(4)(5)		1.70			1.73			1.78			1.83			1.66						1.71			1.61
Net interest margin (fully taxable equivalent) ⁽⁴⁾		3.68			3.65			3.62			3.58			3.50						3.66			3.43
Efficiency ratio - GAAP		57.01			56.66			54.40			54.30			56.69						56.84			56.71
Efficiency ratio - operating ⁽¹⁾		56.69			55.65			54.19			53.05			54.84						56.18			55.51
Equity to total assets		12.89			12.97			12.99			12.78			12.86						12.89			12.86
Tangible common equity to tangible assets ⁽³⁾		9.94			9.92			9.92			9.71			9.45						9.94			9.45
ASSET QUALITY
Nonperforming assets ("NPAs")	$	103,387		$	98,623		$	93,498		$	97,916		$	83,959			23		$	103,387		$	83,959			23
ACL - funded loans		168,705			208,396			210,429			215,791			216,500			(22	)		168,705			216,500			(22	)
ACL - total		188,329			225,996			225,520			228,276			228,045			(17	)		188,329			228,045			(17	)
Net charge-offs		7,864			10,377			16,418			7,676			8,225			(4	)		18,241			17,832			2
ACL - funded loans to loans		0.94	%		1.06	%		1.09	%		1.13	%		1.14	%					0.94	%		1.14	%
ACL - total to loans		1.04			1.15			1.16			1.19			1.21						1.04			1.21
Net charge-offs to average loans ⁽⁴⁾		0.16			0.22			0.34			0.16			0.18						0.19			0.20
NPAs to total assets		0.36			0.35			0.33			0.35			0.30						0.36			0.30
AT PERIOD END ($ in millions)
Loans held for investment	$	18,024		$	19,602		$	19,384		$	19,175		$	18,921			(5	)	$	18,024		$	18,921			(5	)
Investment securities		6,377			5,889			5,988			6,163			6,382			—			6,377			6,382			—
Total assets		29,051			28,177			28,003			28,143			28,086			3			29,051			28,086			3
Deposits		23,724			24,025			23,798			24,021			23,963			(1	)		23,724			23,963			(1	)
Shareholders’ equity		3,745			3,655			3,639			3,597			3,613			4			3,745			3,613			4
Common shares outstanding (thousands)		119,764			119,684			120,598			121,553			121,431			(1	)		119,764			121,431			(1	)

⁽¹⁾Excludes non-operating items as detailed on Non-GAAP Performance Measures Reconciliation. ⁽²⁾ Net income less preferred stock dividends, divided by average common equity. ⁽³⁾ Excludes effect of acquisition related intangibles and associated amortization. ⁽⁴⁾Annualized. ⁽⁵⁾ Excludes income tax expense and provision for credit losses.

UNITED COMMUNITY BANKS, INC.

Loan Portfolio Composition at Period-End

	2026						2025
(in millions)	Second Quarter			First Quarter			Fourth Quarter		Third Quarter		Second Quarter		Linked Quarter Change			Year over Year Change
LOANS BY CATEGORY
Owner occupied commercial RE	$	4,117		$	4,041		$	3,950	$	3,678	$	3,563	$	76		$	554
Income producing commercial RE		5,018			4,984			5,032		4,534		4,548		34			470
Commercial & industrial ⁽¹⁾		2,859			2,771			2,696		2,593		2,516		88			343
Commercial construction & land		1,143			1,072			998		1,734		1,752		71			(609	)
Equipment financing ⁽¹⁾		—			1,897			1,848		1,808		1,778		(1,897	)		(1,778	)
Total commercial		13,137			14,765			14,524		14,347		14,157		(1,628	)		(1,020	)
Residential mortgage		3,101			3,122			3,157		3,198		3,210		(21	)		(109	)
Home equity		1,403			1,344			1,319		1,252		1,180		59			223
Residential construction & land		195			185			191		178		174		10			21
Consumer		193			187			188		192		191		6			2
Other		(5	)		(1	)		5		8		9		(4	)		(14	)
Total loans held for investment	$	18,024		$	19,602		$	19,384	$	19,175	$	18,921	$	(1,578	)	$	(897	)

LOANS BY MARKET
Georgia	$	4,662		$	4,617		$	4,635	$	4,584	$	4,551	$	45		$	111
South Carolina		3,130			3,037			2,971		2,926		2,872		93			258
North Carolina		2,706			2,722			2,712		2,676		2,626		(16	)		80
Tennessee		1,962			1,895			1,913		1,902		1,881		67			81
Florida		3,283			3,229			3,102		3,040		2,966		54			317
Alabama		1,082			1,049			1,050		1,054		1,016		33			66
Commercial Banking Solutions ⁽²⁾		1,199			3,053			3,001		2,993		3,009		(1,854	)		(1,810	)
Total loans held for investment	$	18,024		$	19,602		$	19,384	$	19,175	$	18,921	$	(1,578	)	$	(897	)

⁽¹⁾Substantially all equipment financing loans were transferred to held for sale in the second quarter of 2026 as a result of the pending sale of Navitas Credit Corp. The remaining $35.9 million to be retained were reclassified to the commercial & industrial line as equipment financing no longer represents a significant held-for-investment category at June 30, 2026.

⁽²⁾Reduction in the second quarter of 2026 reflects the transfer of substantially all equipment financing loans to held for sale.

UNITED COMMUNITY BANKS, INC.

Credit Quality

(in thousands)

	2026				2025
	Second Quarter		First Quarter		Fourth Quarter
NONACCRUAL LOANS
Owner occupied RE	$	20,027	$	18,265	$	11,165
Income producing RE		11,655		11,037		11,488
Commercial & industrial		21,147		19,890		18,294
Commercial construction & land		916		17		18
Equipment financing ⁽¹⁾		—		8,024		10,383
Total commercial		53,745		57,233		51,348
Residential mortgage		30,506		31,906		32,423
Home equity		6,435		6,209		5,247
Residential construction & land		338		355		1,079
Consumer		977		1,009		1,001
Total nonaccrual loans held for investment		92,001		96,712		91,098
Equipment finance nonaccrual loans held for sale ⁽¹⁾		9,392		—		—
OREO and repossessed assets		1,994		1,911		2,400
Total NPAs	$	103,387	$	98,623	$	93,498

⁽¹⁾Substantially all equipment financing loans were transferred to held for sale in the second quarter of 2026 as a result of the pending sale of Navitas Credit Corp.

	2026												2025
	Second Quarter						First Quarter						Fourth Quarter
(in thousands)	Net Charge-Offs			Net Charge-Offs to Average Loans ⁽¹⁾			Net Charge-Offs			Net Charge-Offs to Average Loans ⁽¹⁾			Net Charge-Offs			Net Charge-Offs to Average Loans ⁽¹⁾
NET CHARGE-OFFS (RECOVERIES) BY CATEGORY
Owner occupied RE	$	(3,447	)		(0.34	)%	$	666			0.07	%	$	1,610			0.17	%
Income producing RE		57			—			(85	)		(0.01	)		(116	)		(0.01	)
Commercial & industrial		6,859			0.97			3,309			0.50			7,557			1.15
Commercial construction & land		(22	)		(0.01	)		6			—			1,484			0.35
Equipment financing		3,697			0.78			5,835			1.29			5,092			1.12
Total commercial		7,144			0.19			9,731			0.27			15,627			0.43
Residential mortgage		57			0.01			133			0.02			126			0.02
Home equity		(24	)		(0.01	)		(54	)		(0.02	)		(94	)		(0.03	)
Residential construction & land		(6	)		(0.01	)		12			0.03			16			0.03
Consumer		693			1.47			555			1.21			743			1.55
Total	$	7,864			0.16		$	10,377			0.22		$	16,418			0.34

⁽¹⁾ Annualized.

UNITED COMMUNITY BANKS, INC.

Consolidated Balance Sheets (Unaudited)

(in thousands, except share and per share data)	June 30, 2026			December 31, 2025
ASSETS
Cash and due from banks	$	129,113		$	202,586
Interest-bearing deposits in banks		325,984			193,168
Cash and cash equivalents		455,097			395,754
Trading securities		91,377			—
Debt securities available-for-sale		4,106,366			3,750,863
Debt securities held-to-maturity (fair value $1,848,900 and $1,918,426, respectively)		2,179,043			2,237,356
Mortgage loans held for sale		53,518			39,381
Equipment financing receivables held for sale		1,909,186			—
Loans and leases held for investment		18,024,130			19,384,317
Less allowance for credit losses - loans and leases		(168,705	)		(210,429	)
Loans and leases, net		17,855,425			19,173,888
Premises and equipment, net		394,343			393,714
Bank-owned life insurance		367,506			364,184
Goodwill and other intangible assets, net		961,881			967,882
Other assets		677,400			679,532
Total assets	$	29,051,142		$	28,002,554
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand	$	6,449,517		$	6,252,252
NOW and interest-bearing demand		5,677,423			5,969,864
Money market		6,678,206			6,696,530
Savings		1,094,565			1,085,331
Time		3,665,862			3,619,189
Brokered		158,636			175,264
Total deposits		23,724,209			23,798,430
Short-term borrowings		360,000			85,000
Federal Home Loan Bank advances		800,000			—
Long-term debt		20,602			120,400
Accrued expense and other liabilities		401,327			360,038
Total liabilities		25,306,138			24,363,868
Shareholders' equity:
Common stock, $1 par value; 200,000,000 shares authorized, 119,763,827 and 120,598,266 shares issued and outstanding, respectively		119,764			120,598
Capital surplus		2,724,530			2,754,399
Retained earnings		1,053,438			914,261
Accumulated other comprehensive loss		(152,728	)		(150,572	)
Total shareholders' equity		3,745,004			3,638,686
Total liabilities and shareholders' equity	$	29,051,142		$	28,002,554

UNITED COMMUNITY BANKS, INC.

Consolidated Statements of Income (Unaudited)

	Three Months Ended June 30,					Six Months Ended June 30,
(in thousands, except per share data)	2026			2025		2026			2025
Interest revenue:
Loans, including fees	$	295,612		$	288,284	$	581,689		$	562,340
Securities:
Taxable		44,647			54,191		89,130			111,363
Tax-exempt		1,671			1,671		3,317			3,349
Other		2,441			3,219		4,196			5,670
Total interest revenue		344,371			347,365		678,332			682,722

Interest expense:
Deposits:
NOW and interest-bearing demand		28,118			36,956		56,247			74,346
Money market		41,140			49,603		81,849			99,144
Savings		483			1,457		963			2,081
Time		28,362			31,120		57,073			62,499
Deposits		98,103			119,136		196,132			238,070
Short-term borrowings		1,553			83		2,551			1,190
Federal Home Loan Bank advances		3,014			—		3,983			433
Long-term debt		801			2,615		2,002			5,477
Total interest expense		103,471			121,834		204,668			245,170
Net interest revenue		240,900			225,531		473,664			437,552

Noninterest income:
Service charges and fees		10,375			10,122		19,920			19,657
Mortgage loan gains and other related fees		6,780			5,370		14,809			11,492
Wealth management fees		4,932			4,400		9,561			8,865
Net gains from sales of other loans		947			1,995		2,840			3,391
Lending and loan servicing fees		4,098			3,690		8,069			7,855
Securities (losses) gains, net		(2	)		286		131			292
Other		11,250			8,845		26,796			18,812
Total noninterest income		38,380			34,708		82,126			70,364
Total revenue		279,280			260,239		555,790			507,916

Provision for credit losses		(29,803	)		11,818		(18,950	)		27,237

Noninterest expense:
Salaries and employee benefits		96,242			86,997		197,491			171,264
Communications and equipment		13,743			13,332		27,845			27,031
Occupancy		11,232			10,935		22,957			21,864
Advertising and public relations		2,708			2,881		5,105			4,762
Postage, printing and supplies		2,744			2,495		5,501			5,056
Professional fees		6,868			5,609		12,444			11,540
Lending and loan servicing expense		3,105			2,330		5,687			4,317
Outside services - electronic banking		3,555			3,570		7,114			6,333
FDIC assessments and other regulatory charges		4,327			4,745		6,596			9,387
Amortization of intangibles		2,938			3,292		6,001			6,578
Merger-related and other charges		895			4,833		1,768			6,130
Other		11,558			6,900		18,708			14,756
Total noninterest expense		159,915			147,919		317,217			289,018
Income before income taxes		149,168			100,502		257,523			191,661
Income tax expense		33,530			21,769		57,596			41,515
Net income		115,638			78,733		199,927			150,146
Preferred stock dividends		—			1,573		—			3,146
Earnings allocated to participating securities		758			438		1,309			850
Net income available to common shareholders	$	114,880		$	76,722	$	198,618		$	146,150

Net income per common share:
Basic	$	0.95		$	0.63	$	1.65		$	1.21
Diluted		0.95			0.63		1.65			1.21
Weighted average common shares outstanding:
Basic		120,303			121,377		120,400			120,714
Diluted		120,442			121,432		120,583			120,820

UNITED COMMUNITY BANKS, INC.

Average Consolidated Balance Sheets and Net Interest Analysis

For the Three Months Ended June 30,

	2026								2025
(dollars in thousands, fully taxable equivalent (FTE))	Average Balance			Interest		Average Rate			Average Balance			Interest		Average Rate
Assets:
Interest-earning assets:
Loans, net of unearned income (FTE) ⁽¹⁾⁽²⁾	$	19,717,360		$	296,278		6.03	%	$	18,664,228		$	288,023		6.19	%
Taxable securities ⁽³⁾		5,982,611			44,647		2.99			6,492,288			54,191		3.34
Tax-exempt securities (FTE) ⁽¹⁾⁽³⁾		340,501			2,226		2.61			354,162			2,236		2.53
Other interest-earning assets		358,914			2,441		2.73			451,953			3,898		3.46
Total interest-earning assets (FTE)		26,399,386			345,592		5.25			25,962,631			348,348		5.38

Noninterest-earning assets:
Allowance for credit losses		(214,950	)							(220,059	)
Cash and due from banks		149,512								203,909
Premises and equipment		395,986								398,241
Other assets ⁽³⁾		1,681,658								1,637,125
Total assets	$	28,411,592							$	27,981,847

Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand	$	5,755,001			28,118		1.96		$	6,051,489			36,956		2.45
Money market		6,786,045			41,140		2.43			6,645,336			49,603		2.99
Savings		1,094,441			483		0.18			1,195,295			1,457		0.49
Time		3,661,687			27,955		3.06			3,532,848			30,596		3.47
Brokered time deposits		50,655			407		3.22			50,488			524		4.16
Total interest-bearing deposits		17,347,829			98,103		2.27			17,475,456			119,136		2.73
Federal funds purchased and other borrowings		167,718			1,553		3.71			7,412			83		4.49
Federal Home Loan Bank advances		313,791			3,014		3.85			—			—		—
Long-term debt		52,420			801		6.13			237,992			2,615		4.41
Total borrowed funds		533,929			5,368		4.03			245,404			2,698		4.41
Total interest-bearing liabilities		17,881,758			103,471		2.32			17,720,860			121,834		2.76

Noninterest-bearing liabilities:
Noninterest-bearing deposits		6,422,393								6,351,540
Other liabilities		415,721								346,643
Total liabilities		24,719,872								24,419,043
Shareholders' equity		3,691,720								3,562,804
Total liabilities and shareholders' equity	$	28,411,592							$	27,981,847

Net interest revenue (FTE)				$	242,121							$	226,514
Net interest-rate spread (FTE)							2.93	%							2.62	%
Net interest margin (FTE) ⁽⁴⁾							3.68	%							3.50	%

⁽¹⁾

Interest revenue on tax-exempt securities and loans includes a taxable-equivalent adjustment to reflect comparable interest on taxable securities and loans. The FTE adjustment totaled $1.22 million and $983,000, respectively, for the three months ended June 30, 2026 and 2025. The tax rate used to calculate the adjustment was 25%, reflecting the statutory federal income tax rate and the federal tax adjusted state income tax rate.

⁽²⁾

Included in the average balance of loans outstanding are loans on which the accrual of interest has been discontinued.

⁽³⁾

Unrealized gains and losses on AFS securities, including those related to the transfer from AFS to HTM, have been reclassified to other assets. Pretax unrealized losses of $191 million in 2026 and $240 million in 2025 are included in other assets for purposes of this presentation.

⁽⁴⁾

Net interest margin is taxable equivalent net interest revenue divided by average interest-earning assets.

UNITED COMMUNITY BANKS, INC.

Average Consolidated Balance Sheets and Net Interest Analysis

For the Six Months Ended June 30,

	2026								2025
(dollars in thousands, fully taxable equivalent (FTE))	Average Balance			Interest		Average Rate			Average Balance			Interest		Average Rate
Assets:
Interest-earning assets:
Loans, net of unearned income (FTE) ⁽¹⁾⁽²⁾	$	19,561,444		$	582,907		6.01	%	$	18,440,110		$	561,953		6.15	%
Taxable securities ⁽³⁾		5,954,901			89,130		2.99			6,614,294			111,363		3.37
Tax-exempt securities (FTE) ⁽¹⁾⁽³⁾		343,445			4,428		2.58			355,430			4,481		2.52
Other interest-earning assets		333,809			4,196		2.53			426,415			6,899		3.26
Total interest-earning assets (FTE)		26,193,599			680,661		5.23			25,836,249			684,696		5.34

Non-interest-earning assets:
Allowance for loan losses		(213,914	)							(215,141	)
Cash and due from banks		174,659								211,681
Premises and equipment		394,925								397,347
Other assets ⁽³⁾		1,693,548								1,623,689
Total assets	$	28,242,817							$	27,853,825

Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand	$	5,803,781			56,247		1.95		$	6,092,519			74,346		2.46
Money market		6,806,264			81,849		2.43			6,614,819			99,144		3.02
Savings		1,092,161			963		0.18			1,146,075			2,081		0.37
Time		3,656,390			56,138		3.10			3,489,687			61,427		3.55
Brokered time deposits		55,440			935		3.40			50,468			1,072		4.28
Total interest-bearing deposits		17,414,036			196,132		2.27			17,393,568			238,070		2.76
Federal funds purchased and other borrowings		137,858			2,551		3.73			43,883			1,190		5.47
Federal Home Loan Bank advances		208,619			3,983		3.85			19,343			433		4.51
Long-term debt		86,247			2,002		4.68			246,061			5,477		4.49
Total borrowed funds		432,724			8,536		3.98			309,287			7,100		4.63
Total interest-bearing liabilities		17,846,760			204,668		2.31			17,702,855			245,170		2.79

Noninterest-bearing liabilities:
Noninterest-bearing deposits		6,344,315								6,273,313
Other liabilities		376,882								358,227
Total liabilities		24,567,957								24,334,395
Shareholders' equity		3,674,860								3,519,430
Total liabilities and shareholders' equity	$	28,242,817							$	27,853,825

Net interest revenue (FTE)				$	475,993							$	439,526
Net interest-rate spread (FTE)							2.92	%							2.55	%
Net interest margin (FTE) ⁽⁴⁾							3.66	%							3.43	%

⁽¹⁾

Interest revenue on tax-exempt securities and loans includes a taxable-equivalent adjustment to reflect comparable interest on taxable securities and loans. The FTE adjustment totaled $2.33 million and $1.97 million, respectively, for the six months ended June 30, 2026 and 2025. The tax rate used to calculate the adjustment was 25%, reflecting the statutory federal income tax rate and the federal tax adjusted state income tax rate.

⁽²⁾

Included in the average balance of loans outstanding are loans on which the accrual of interest has been discontinued and loans that are held for sale.

⁽³⁾

Unrealized gains and losses on AFS securities, including those related to the transfer from AFS to HTM, have been reclassified to other assets. Pretax unrealized losses of $183 million in 2026 and $254 million in 2025 are included in other assets for purposes of this presentation.

⁽⁴⁾

Net interest margin is taxable equivalent net-interest revenue divided by average interest-earning assets.

UNITED COMMUNITY BANKS, INC.

Non-GAAP Performance Measures Reconciliation

Selected Financial Information

(in thousands, except per share data)

	2026						2025									For the Six Months Ended June 30,
	Second Quarter			First Quarter			Fourth Quarter			Third Quarter			Second Quarter			2026			2025
Noninterest income reconciliation
Noninterest income (GAAP)	$	38,380		$	43,746		$	40,462		$	43,219		$	34,708		$	82,126		$	70,364
Gain on terminated cash flow hedge		—			(5,184	)		—			—			—			(5,184	)		—
Noninterest income - operating	$	38,380		$	38,562		$	40,462		$	43,219		$	34,708		$	76,942		$	70,364

Provision for credit losses reconciliation
Provision for credit losses (GAAP)	$	(29,803	)	$	10,853		$	13,662		$	7,907		$	11,818		$	(18,950	)	$	27,237
Release of ACL on equipment finance loans		38,477			—			—			—			—			38,477			—
Provision for credit losses - operating	$	8,674		$	10,853		$	13,662		$	7,907		$	11,818		$	19,527		$	27,237

Noninterest expense reconciliation
Noninterest expense (GAAP)	$	159,915		$	157,302		$	152,048		$	150,868		$	147,919		$	317,217		$	289,018
Payroll transition bonus		—			(6,704	)		—			—			—			(6,704	)		—
FDIC special assessment accrual reversal		—			1,885			—			—			—			1,885			—
Merger-related and other charges		(895	)		(873	)		(606	)		(3,468	)		(4,833	)		(1,768	)		(6,130	)
Noninterest expense - operating	$	159,020		$	151,610		$	151,442		$	147,400		$	143,086		$	310,630		$	282,888

Net income to operating income reconciliation
Net income (GAAP)	$	115,638		$	84,289		$	86,455		$	91,494		$	78,733		$	199,927		$	150,146
Gain on terminated cash flow hedge		—			(5,184	)		—			—			—			(5,184	)		—
Release of ACL on equipment finance loans		(38,477	)		—			—			—			—			(38,477	)		—
Payroll transition bonus		—			6,704			—			—			—			6,704			—
FDIC special assessment accrual reversal		—			(1,885	)		—			—			—			(1,885	)		—
Merger-related and other charges		895			873			606			3,468			4,833			1,768			6,130
Income tax benefit of non-operating items		8,347			(113	)		(133	)		(751	)		(1,047	)		8,234			(1,328	)
Net income - operating	$	86,403		$	84,684		$	86,928		$	94,211		$	82,519		$	171,087		$	154,948

Net income to pre-tax pre-provision income reconciliation
Net income (GAAP)	$	115,638		$	84,289		$	86,455		$	91,494		$	78,733		$	199,927		$	150,146
Income tax expense		33,530			24,066			26,223			26,579			21,769			57,596			41,515
Provision for credit losses		(29,803	)		10,853			13,662			7,907			11,818			(18,950	)		27,237
Pre-tax pre-provision income	$	119,365		$	119,208		$	126,340		$	125,980		$	112,320		$	238,573		$	218,898

Diluted income per common share reconciliation
Diluted income per common share (GAAP)	$	0.95		$	0.69		$	0.70		$	0.70		$	0.63		$	1.65		$	1.21
Gain on terminated cash flow hedge		—			(0.03	)		—			—			—			(0.03	)		—
Release of ACL on equipment finance loans		(0.25	)		—			—			—			—			(0.25	)		—
Payroll transition bonus		—			0.04			—			—			—			0.04			—
FDIC special assessment accrual reversal		—			(0.01	)		—			—			—			(0.01	)		—
Merger-related and other charges		0.01			0.01			0.01			0.02			0.03			0.01			0.04
Deemed dividend on preferred stock redemption		—			—			—			0.03			—			—			—
Diluted income per common share - operating	$	0.71		$	0.70		$	0.71		$	0.75		$	0.66		$	1.41		$	1.25

Book value per common share reconciliation
Book value per common share (GAAP)	$	31.27		$	30.54		$	30.17		$	29.44		$	28.89		$	31.27		$	28.89
Effect of goodwill and other intangibles		(7.96	)		(7.98	)		(7.93	)		(7.85	)		(7.89	)		(7.96	)		(7.89	)
Tangible book value per common share	$	23.31		$	22.56		$	22.24		$	21.59		$	21.00		$	23.31		$	21.00

Return on tangible common equity reconciliation
Return on common equity (GAAP)		12.56	%		9.35	%		9.48	%		9.20	%		8.45	%		10.97	%		8.18	%
Gain on terminated cash flow hedge		—			(0.45	)		—			—			—			(0.22	)		—
Release of ACL on equipment finance loans		(3.25	)		—			—			—			—			(1.64	)		—
Payroll transition bonus		—			0.58			—			—			—			0.29			—
FDIC special assessment accrual reversal		—			(0.16	)		—			—			—			(0.08	)		—
Merger-related and other charges		0.08			0.07			0.05			0.29			0.42			0.07			0.27
Deemed dividend on preferred stock redemption		—			—			—			0.34			—			—			—
Return on common equity - operating		9.39			9.39			9.53			9.83			8.87			9.39			8.45
Effect of goodwill and other intangibles		3.59			3.66			3.78			3.73			3.47			3.63			3.33
Return on tangible common equity - operating		12.98	%		13.05	%		13.31	%		13.56	%		12.34	%		13.02	%		11.78	%

UNITED COMMUNITY BANKS, INC.

Non-GAAP Performance Measures Reconciliation

Selected Financial Information

(in thousands, except per share data)

	2026						2025									For the Six Months Ended June 30,
	Second Quarter			First Quarter			Fourth Quarter			Third Quarter			Second Quarter			2026			2025
Return on assets reconciliation
Return on assets (GAAP)		1.63	%		1.22	%		1.21	%		1.29	%		1.11	%		1.43	%		1.06	%
Gain on terminated cash flow hedge		—			(0.06	)		—			—			—			(0.03	)		—
Release of ACL on equipment finance loans		(0.42	)		—			—			—			—			(0.21	)		—
Payroll transition bonus		—			0.07			—			—			—			0.03			—
FDIC special assessment accrual reversal		—			(0.02	)		—			—			—			(0.01	)		—
Merger-related and other charges		0.01			0.01			0.01			0.04			0.05			0.01			0.04
Return on assets - operating		1.22	%		1.22	%		1.22	%		1.33	%		1.16	%		1.22	%		1.10	%

Return on assets to return on assets- pre-tax pre-provision reconciliation
Return on assets (GAAP)		1.63	%		1.22	%		1.21	%		1.29	%		1.11	%		1.43	%		1.06	%
Income tax expense		0.47			0.35			0.37			0.38			0.31			0.41			0.30
Provision for credit losses		(0.42	)		0.16			0.19			0.11			0.17			(0.14	)		0.20
Gain on terminated cash flow hedge		—			(0.08	)		—			—			—			(0.04	)		—
Payroll transition bonus		—			0.10			—			—			—			0.05			—
FDIC special assessment accrual reversal		—			(0.03	)		—			—			—			(0.01	)		—
Merger-related and other charges		0.02			0.01			0.01			0.05			0.07			0.01			0.05
Return on assets - pre-tax pre-provision - operating		1.70	%		1.73	%		1.78	%		1.83	%		1.66	%		1.71	%		1.61	%

Efficiency ratio reconciliation
Efficiency ratio (GAAP)		57.01	%		56.66	%		54.40	%		54.30	%		56.69	%		56.84	%		56.71	%
Gain on terminated cash flow hedge		—			1.03			—			—			—			0.52			—
Payroll transition bonus		—			(2.41	)		—			—			—			(1.20	)		—
FDIC special assessment accrual reversal		—			0.68			—			—			—			0.34			—
Merger-related and other charges		(0.32	)		(0.31	)		(0.21	)		(1.25	)		(1.85	)		(0.32	)		(1.20	)
Efficiency ratio - operating		56.69	%		55.65	%		54.19	%		53.05	%		54.84	%		56.18	%		55.51	%

Tangible common equity to tangible assets reconciliation
Equity to total assets (GAAP)		12.89	%		12.97	%		12.99	%		12.78	%		12.86	%		12.89	%		12.86	%
Effect of goodwill and other intangibles		(2.95	)		(3.05	)		(3.07	)		(3.07	)		(3.10	)		(2.95	)		(3.10	)
Effect of preferred equity		—			—			—			—			(0.31	)		—			(0.31	)
Tangible common equity to tangible assets		9.94	%		9.92	%		9.92	%		9.71	%		9.45	%		9.94	%		9.45	%

About United Community Banks, Inc.

United Community Banks, Inc. (NYSE: UCB) is the financial holding company for United Community, a top-100 U.S. financial institution committed to building stronger communities and improving the financial health and well-being of its customers. United Community offers a full range of banking, mortgage and wealth management services. As of June 30, 2026, United Community Banks, Inc. had $29.1 billion in assets and operated 200 offices across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. The company also manages a nationally recognized SBA lending franchise and an equipment finance subsidiary, extending its reach to businesses across the country. United Community is the most awarded bank in the Southeast for Retail Banking Customer Satisfaction by J.D. Power, earning more awards than any other bank in the region, including recognition in 12 of the last 17 years. The company has also been named one of the “Best Banks to Work For” by American Banker for nine consecutive years. In commercial banking, United Community earned multiple 2026 Greenwich Best Bank awards for Small Business Banking. Forbes has consistently named United Community among the World’s Best and America’s Best Banks. Learn more at ucbi.com.

Non-GAAP Financial Measures

This press release, including the accompanying financial statement tables, contains financial information determined by methods other than in accordance with generally accepted accounting principles, or GAAP. This financial information includes certain operating performance measures, which exclude merger-related and other charges that are not considered part of recurring operations, such as “noninterest income – operating”, “noninterest expense - operating”, “provision for credit losses – operating”, “operating net income,” “pre-tax, pre-provision income,” “operating net income per diluted common share,” “operating earnings per share,” “tangible book value per common share,” “operating return on common equity,” “operating return on tangible common equity,” “operating return on assets,” “return on assets - pre-tax, pre-provision - operating,” “return on assets - pre-tax, pre-provision,” “operating efficiency ratio,” and “tangible common equity to tangible assets.” These non-GAAP measures are included because United believes they may provide useful supplemental information for evaluating United’s underlying performance trends. These measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non-GAAP measures that may be presented by other companies. To the extent applicable, reconciliations of these non-GAAP measures to the most directly comparable measures as reported in accordance with GAAP are included with the accompanying financial statement tables.

Caution About Forward-Looking Statements

This press release contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In general, forward-looking statements usually may be identified through use of words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “predict,” “continue” and “potential” or the negative of these terms or other comparable terminology. Forward-looking statements are not historical facts and represent management’s beliefs, based upon information available at the time the statements are made, with regard to the matters addressed; they are not guarantees of future performance. Actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. Forward-looking statements are subject to numerous assumptions, risks and uncertainties that change over time and could cause actual results or financial condition to differ materially from those expressed in or implied by such statements.

Factors that could cause or contribute to such differences include, but are not limited to (1) the risk that the financial benefits from the acquisition of Peach State Bancshares, Inc. ( “Peach State”) or the sale of the Navitas equipment finance business (“Navitas”) (each a “Transaction” and collectively, the “Transactions”) may not be realized or take longer than anticipated to be realized, (2) disruption from the Transactions of customer, supplier, employee or other business partner relationships, (3) the occurrence of any event, change or other circumstances that could give rise to the termination of the Transaction agreements, (4) the possibility that the costs, fees, expenses and charges related to the Transactions may be greater than anticipated, (5) reputational risk and the reaction of each of the companies’ customers, suppliers, employees or other business partners to the Transactions, (6) the failure of the closing conditions to the Transactions to be satisfied, or any unexpected delay in closing the Transactions, including due to failure to obtain applicable shareholder or regulatory approvals, (7) the risks relating to the integration of Peach State’s operations into the operations of United, including the risk that such integration will be materially delayed or will be more costly or difficult than expected, (8) the risk of potential litigation or regulatory action related to the Transactions, (9) the risks associated with United’s pursuit of future acquisitions, (10) the risk of expansion into new geographic or product markets, (11) the dilution caused by United’s issuance of additional shares of its common stock in the Peach State acquisition, and (12) general competitive, economic, political and market conditions. Further information regarding additional factors which could affect the forward-looking statements can be found in the cautionary language included under the headings “Cautionary Note Regarding Forward-Looking Statements” and “Risk Factors” in United’s Annual Report on Form 10-K for the year ended December 31, 2025, and other documents subsequently filed by United with the U.S. Securities and Exchange Commission (“SEC”).

Many of these factors are beyond United’s ability to control or predict. If one or more events related to these or other risks or uncertainties materialize, or if the underlying assumptions prove to be incorrect, actual results may differ materially from the forward-looking statements. Accordingly, shareholders and investors should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date of this communication, and United undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law. New risks and uncertainties may emerge from time to time, and it is not possible for United to predict their occurrence or how they will affect United.

United qualifies all forward-looking statements by these cautionary statements.

# # #

Exhibit 99.2

FRP 2Q26 Investor Presentation July 21, 2026

'LVFORVXUHV 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward - looking statements” within the meaning of Section 27 A of the Securities Act of 1933 , as amended, and Section 21 E of the Securities Exchange Act of 1934 , as amended . In general, forward - looking statements usually may be identified through use of words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “predict,” “continue” and “potential,” or the negative of these terms or other comparable terminology . Forward - looking statements are not historical facts and represent management’s beliefs, based upon information available at the time the statements are made, with regard to the matters addressed; they are not guarantees of future performance . Actual results may prove to be materially different from the results expressed or implied by the forward - looking statements . Forward - looking statements are subject to numerous assumptions, risks and uncertainties that change over time and could cause actual results or financial condition to differ materially from those expressed in or implied by such statements . Factors that could cause or contribute to such differences include, but are not limited to ( 1 ) the risk that the financial benefits from the acquisition of Peach State Bancshares, Inc . ( “Peach State”) or the sale of the Navitas equipment finance business (“Navitas”) (each a “Transaction” and collectively, the “Transactions”) may not be realized or take longer than anticipated to be realized, ( 2 ) disruption from the Transactions of customer, supplier, employee or other business partner relationships, ( 3 ) the occurrence of any event, change or other circumstances that could give rise to the termination of the Transaction agreements, ( 4 ) the possibility that the costs, fees, expenses and charges related to the Transactions may be greater than anticipated, ( 5 ) reputational risk and the reaction of each of the companies’ customers, suppliers, employees or other business partners to the Transactions, ( 6 ) the failure of the closing conditions to the Transactions to be satisfied, or any unexpected delay in closing the Transactions, including due to failure to obtain applicable shareholder or regulatory approvals, ( 7 ) the risks relating to the integration of Peach State’s operations into the operations of United, including the risk that such integration will be materially delayed or will be more costly or difficult than expected, ( 8 ) the risk of potential litigation or regulatory action related to the Transactions, ( 9 ) the risks associated with United’s pursuit of future acquisitions, ( 10 ) the risk of expansion into new geographic or product markets, ( 11 ) the dilution caused by United’s issuance of additional shares of its common stock in the Peach State acquisition, and ( 12 ) general competitive, economic, political and market conditions . Further information regarding additional factors which could affect the forward - looking statements can be found in the cautionary language included under the headings “Cautionary Note Regarding Forward - Looking Statements” and “Risk Factors” in United’s Annual Report on Form 10 - K for the year ended December 31 , 2025 , and other documents subsequently filed by United with the U . S . Securities and Exchange Commission (“SEC”) . Many of these factors are beyond United’s ability to control or predict . If one or more events related to these or other risks or uncertainties materialize, or if the underlying assumptions prove to be incorrect, actual results may differ materially from the forward - looking statements . Accordingly, shareholders and investors should not place undue reliance on any such forward - looking statements . Any forward - looking statement speaks only as of the date of this communication, and United undertakes no obligation to update or revise any forward - looking statements, whether as a result of new information, future events or otherwise, except as required by law . New risks and uncertainties may emerge from time to time, and it is not possible for United to predict their occurrence or how they will affect United . United qualifies all forward - looking statements by these cautionary statements . NON - GAAP MEASURES This Investor Presentation includes financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”) . This financial information includes certain operating performance measures, which exclude merger - related and other charges that are not considered part of recurring operations, such as "noninterest income – operating", “ noninterest expense – operating,” “provision for credit losses – operating”, “operating net income,” “pre - tax, pre - provision income,” “operating net income per diluted common share,” “operating earnings per share,” “tangible book value per common share,” “operating return on common equity,” “operating return on tangible common equity,” “operating return on assets,” “return on assets - pre - tax pre - provision - operating,” “return on assets - pre - tax, pre - provision,” “operating efficiency ratio,” and “tangible common equity to tangible assets . ” These non - GAAP measures are included because United believes they may provide useful supplemental information for evaluating United’s underlying performance trends . Further, United’s management uses these measures in managing and evaluating United’s business and intends to refer to them in discussions about United’s operations and performance . These measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non - GAAP measures that may be presented by other companies . To the extent applicable, reconciliations of these non - GAAP measures to the most directly comparable measures as reported in accordance with GAAP are included with the accompanying financial statement tables .

$29.1 BILLION IN TOTAL ASSETS United Community Banks, Inc. Note: See Glossary located at the end of this presentation for reference on certain acronyms (1) Includes both loans held for investment and equipment finance loans held for sale (2) 2Q26 regulatory capital ratio is preliminary 3 8QLWHG%DQNLQJ2IILFHV Company Overview $23.7 BILLION IN TOTAL DEPOSITS $3.6 BILLION IN AUM 13.5% CET1 RBC (2) $19.9 BILLION IN TOTAL LOANS (1) $0.25 QUARTERLY COMMON DIVIDEND 200 BANKING OFFICES ACROSS THE SOUTHEAST 0267$:$5'('%$1. LQWKH6RXWKHDVWUHJLRQIRUUHWDLO EDQNLQJFXVWRPHUVDWLVIDFWLRQ -'3RZHU BEST BANK AWARDS for outstanding performance in small business banking in 2026 - Coalition Greenwich BEST BANKS TO WORK FOR in 2025 for the ninth consecutive year - American Banker Premier Southeast Regional Bank – Committed to Service Since 1950 Metro - focused branch network with locations in the fastest - growing MSAs in the Southeast 189 branches, 11 LPOs, and 5 MLOs across six Southeast states; Top 10 deposit market share in GA and SC United MSAs had population growth >2x the national average over the past 5 years

1.11% 1.22% 1.63% 1.16% 1.22% 2Q25 1Q26 2Q26 Return on Assets GAAP Operating $0.63 $0.69 $0.95 $0.66 $0.70 $0.71 2Q25 1Q26 2Q26

Georgia Columbus Waycross Augusta Gainesville Atlanta 0DFRQ Savannah Athens Brunswick Peach State (2) United (200) 1.87% Cost Pro Forma United Gainesville MSA Presence 6 branches $1.6B deposits 1 Expands Share in Gainesville, Georgia MSA 7DNHV8QLWHGWRWKHOHDGLQJGHSRVLWVKDUHLQWKH *DLQHVYLOOH*HRUJLD06$XSIURPQXPEHUWKUHH ,QFUHDVHV8QLWHG V*DLQHVYLOOHGHSRVLWEDVHWR ELOOLRQIURP PLOOLRQDQ LQFUHDVH 7KH*DLQHVYLOOH06$ZLWKLWV SRSXODWLRQ HQMR\HG JURZWKIURP FRPSDUHG WR IRU*HRUJLDDQG QDWLRQZLGH *DLQHVYLOOHLV*HRUJLD VVHFRQGIDVWHVWJURZLQJ 06$DQGVLWVa PLOHVQRUWKHDVWRI$WODQWD,W VHUYHVDVDUHJLRQDOPHGLFDOKXEKDVVHHQVWURQJ PDQXIDFWXULQJJURZWKDQGGUDZVVLJQLILFDQWYLVLWRU WUDIILFIURPLWVFORVHSUR[LPLW\WR/DNH/DQLHU Consistent with Our M&A Strategy Transaction consistent with United’s strategy of acquiring high - quality, franchise - enhancing companies in growth markets Great cultural fit – deep commitment to service and strong presence in their communities EPS accretion in 2027 of ~3%, or $0.09 EPS accretion in 2027 of ~4%, or $0.12, assuming that United repurchases shares in an amount sufficient to offset the dilution from the shares issued in this transaction 2 Internal Rate of Return >25% Low loan / deposit ratio of 73%; more than 95% ($668 million) of total deposits are core deposits 3 Enhances both the efficiency ratio and ROTCE Manageable tangible book dilution and earn back period consistent with United’s stated M&A strategy Financially Compelling (1) As of December 31, 2025 (2) Assumes United repurchases shares on the open market, pursuant to its existing share repurchase program, in an amount suf fic ient to offset the dilution from the shares issued in this transaction (3) Core deposits defined as total deposits less time deposits greater than $100,000 Note: United branch count includes eleven loan production offices Source: S&P Capital IQ Pro; Greater Hall Chamber of Commerce 5 Regulatory Approval Received for Peach State Acquisition; On Track for 3Q26 Close *DLQHVYLOOH 06$

$9,122 $9,220 Ψ ϴ͕ϳϳϬ $9,009 $9,049 $11,758 $11,797 $11,713 $11,745 $11,609 Ψ ϱϲ $156 $175 $165 $159 $2,927 $2,848 $3,140 Ψ ϯ͕Ϭϳ $2,908 2Q25 3Q25 4Q25 1Q26 2Q26 Commercial Consumer Brokered Public Funds 5.25% 5.18% 4.58% 4.25% 4.25% 4.21% ϯϳϳ 3.50% 3.50% 2.35% 2.35% 2.20% 2.05% 2.01% ϵϳ 1.76% 1.67% 1.66% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Fed Target Average Lower Bound United Cost of Deposits Outstanding Deposit Franchise Deposit Costs Stabilized in 2Q26 6 Customer Deposit Growth On an end - of - period basis, customer deposits decreased by $295 million from 1Q26, driven by seasonal public funds outflows Public funds of $2.9 billion declined seasonally, as expected, by $199 million from 1Q26 On an average basis, customer deposits increased by $42 million, or 0.7% annualized, from 1Q26 Excluding public funds, average customer deposits increased by $169 million, or 3.3% annualized, from 1Q26 DDA comprises 27% of customer deposits &RQVLVWHQW'HSRVLW3RUWIROLR*URZWK $ in millions Deposit Costs Continued to Trend Down in 2Q26 Cumulative non - maturity interest - bearing deposit beta of 55% through 2Q26 Time deposits ran off at 3.40% while new volume came on at 3.20% in 2Q26 30% of the $3.7 billion CD book matures in the next 3 months at 3.09% average rate 39% Cumulative Total Deposit Beta

$17,143 Ψ ϳ͕ϯϲϳ $17,536 $17,705 $17,988 $1,778 $1,808 $1,848 $1,897 Ψ ͕ϵϰϱ $18,921 $19,175 $19,384 $19,602 $19,933 2Q25 3Q25 4Q25 1Q26 2Q26 Loans Ex. Navitas Navitas Strong Loan Portfolio Growth Loan Growth /RDQJURZWKRI PLOOLRQRU DQQXDOL]HG IURP 4 ([FOXGLQJ1DYLWDV ORDQJURZWKRI PLOOLRQ RU DQQXDOL]HGIURP 4 6WURQJORDQJURZWKLQWDUJHWHGVHJPHQWV +(/2&JURZWKRI PLOOLRQRU DQQXDOL]HGLQ 4 & ,JURZWKZDV DQQXDOL]HGLQ 4 LQFOXGLQJ PLOOLRQRU DQQXDOL]HGLQ 2ZQHU2FFXSLHG&5(DQG PLOOLRQRU DQQXDOL]HGLQDOORWKHU& , 7 2Q26 Total Loans $19.9 Billion (1) 6% 1% 1% 44% 25% ϲ 7% C&I Commercial Construction CRE Other Consumer Residential Mortgage Home Equity 5HVLGHQWLDO&RQVWUXFWLRQ $ in millions Note: C&I includes Commercial & Industrial and Owner Occupied CRE 6% 1% 1% 39% 28% ϳ 8% C&I Commercial Construction CRE Other Consumer Residential Mortgage Home Equity 5HVLGHQWLDO&RQVWUXFWLRQ Current Portfolio Proforma Portfolio Ex. Equipment Finance Loans Held for Sale (1) Includes both loans held for investment and equipment finance loans held for sale (2) Substantially all equipment financing loans were transferred to held for sale in 2Q26 as a result of the previously announced pending sale of Navitas (1)

79% 80% ϴ 82% 85% 72% 73% 74% 74% 76% ϵ 2Q25 3Q25 4Q25 1Q26 2Q26 United United Ex. Navitas KRX Peer Median Substantial balance sheet liquidity, with strong regulatory capital and tangible common equity ratios Extinguished $100 million of subordinated debt on April 30 Loan to deposit ratio increased from 1Q26, driven by strong loan growth and expected seasonal outflows of public deposits Substantially all bank funding comes from core deposit base Borrowings temporarily increased to 4% of earning assets TCE of 9.9%, flat from 1Q26 and 49 bps improved from 2Q25 9.5% 9.7% 9.9% 9.9% 9.9% 8.7% 2Q25 3Q25 4Q25 1Q26 2Q26 United KRX Peer Median Loans / Core Deposits % Tangible Common Equity / Tangible Assets % Common Equity Tier 1 RBC %* 13.3% 13.4% 13.4% ϯϰ 13.5% 12.2% 2Q25 3Q25 4Q25 1Q26 2Q26 United KRX Peer Median Balance Sheet Strength – Liquidity and Capital 8 *2Q26 regulatory capital ratio is preliminary

9 Risk - Based Capital Ratios Tangible Book Value Per Share 4 $FWLRQV 4XDUWHUO\FRPPRQGLYLGHQGRI SHUVKDUHXS YVSULRU\HDU ([WLQJXLVKHG PLOOLRQRIVXERUGLQDWHGGHEWRQ $SULO 1RVKDUHUHSXUFKDVHVLQ 4 SDUWO\GXHWR H[WHQGHGEODFNRXWSHULRGVUHODWHGWRWKH3HDFK 6WDWHDQG1DYLWDVWUDQVDFWLRQVZKLFKDUH H[SHFWHGWRFORVHLQ 4 5HPDLQLQJVKDUHUHSXUFKDVHDXWKRUL]DWLRQRI PLOOLRQLQ &DSLWDO5DWLRV &(7 UHPDLQVZHOODERYHSHHUVDW /HYHUDJHUDWLRLQFUHDVHG ESVWR DV FRPSDUHGWR 4 7%9SHUVKDUHLQFUHDVHG RU IURP 4 DQG RU IURP 4 13.3% 13.4% 13.4% 13.4% 12.2% 13.5% 0.4% ϬϬ 0.7% 1.4% 1.4% 1.3% 1.2% 1.9% 1.0% ϱ 14.8% 14.8% 14.6% 14.8% 14.5% 2Q25 3Q25 4Q25 1Q26 1Q26 KRX Peer Median 2Q26* CET1 Additional Tier 1 Tier 2 Capital Ratios Ψ ϯϯ $22.56 $0.95 ( $0.25 ) $0.01 $0.04 1Q26 TBV GAAP Earnings Dividends Change in AOCI Other 2Q26 TBV *2Q26 regulatory capital ratios are preliminary

Ψ ϱϱ $233.6 $237.9 $232.8 $240.9 3.50% 3.58% 3.62% ϯϲϱ 3.68% $100.0 $120.0 $140.0 $160.0 $180.0 $200.0 $220.0 $240.0 3.00% 3.10% 3.20% 3.30% 3.40% 3.50% 3.60% 3.70% 3.80% 2Q25 3Q25 4Q25 1Q26 2Q26 Net Interest Revenue Net Interest Margin 3.68% 3.65% 0.02% 0.02% ( 0.01% ) 1Q26 NIM Rate Mix Day Count / Other 2Q26 NIM Six Consecutive Quarters of Net Interest Margin Expansion 4 1,08S %3V Net interest margin of 3.68% was up 3 bps from 1Q26, the sixth consecutive quarter of margin expansion Purchased loan accretion totaled $3.4 million and contributed 5 bps to the margin, down 1 bp from 1Q26 Net interest revenue increased $8.1 million from 1Q26 primarily due to a larger balance sheet and day count Borrowings increased temporarily in 2Q26, largely to fund accelerated purchase of securities in anticipation of upcoming transactions including: Peach State investment portfolio liquidation Navitas transaction close Back book repricing of assets below current market pricing continues to be a tailwind Net Interest Revenue / Margin (1) Yields & Costs 6.19% 6.21% 6.05% ϱϵϵ 6.03% 3.50% 3.58% 3.62% 3.65% 3.68% 2.76% ϲϵ 2.39% 2.30% 2.32% 2Q25 3Q25 4Q25 1Q26 2Q26 Loan Yield NIM Cost of IBL (1) Net interest margin is calculated on a fully taxable equivalent basis (1) 10 $ in millions

$10.1 $11.4 $10.7 $9.5 Ψ Ϭϰ $5.4 $7.1 $6.5 $6.9 $5.9 $4.4 $4.8 Ψ ϱ $4.6 $4.9 $2.0 $2.4 $2.1 $1.9 $0.9 Ψ ϴ $17.6 $15.9 $20.8 $16.2 2Q25 3Q25 4Q25 1Q26 2Q26 Service Charges Mortgage Brokerage / Wealth Mgmt Loan Sale Gains Other Linked Quarter GAAP noninterest income decreased $5.4 million from 1Q26 Prior quarter included a one - time gain of $5.2 million on termination of sub - debt cap Operating noninterest income was flat to 1Q26 Loan sale gains of $0.9 million decreased $1.0 million from 1Q26 Sold $13.0 million of SBA loans and $9.6 million of Navitas loans Service charges increased $0.8 million and brokerage fees increased $0.3 million Year - over - Year GAAP and operating noninterest income increased $3.7 million from 2Q25 Other income improvement was driven by investment income, up $2.2 million, customer swap fees, up $0.5 million, and Treasury Management fees, up $0.5 million 11 Noninterest Income LQPLOOLRQV $34.7 $43.2 $40.5 $43.7 (1) Mortgage income presentation above includes a negative $0.9 million mark on trading securities purchased as an economic h edg e to offset volatility in the MSR asset. The mark on the MSR asset in 2Q26 was a positive $0.8 million. In GAAP financial statements, the ec onomic hedge is reflected in Other Income, rather than in Mortgage. (1) (1) Ψ ϯϴϰ

$147.9 $150.9 Ψ ϱϬ $157.3 $159.9 $143.1 $147.4 $151.4 $151.6 $159.0 2Q25 3Q25 4Q25 1Q26 2Q26 GAAP Operating 1RQLQWHUHVW([SHQVH Efficiency Ratio Noninterest Expense 56.7% 54.3% 54.4% 56.7% 57.0% ϱϰϴ 53.1% 54.2% 55.7% 56.7% 2Q25 3Q25 4Q25 1Q26 2Q26 GAAP Operating GAAP noninterest expense increased $2.6 million compared to the prior quarter Results impacted by the following items: 2Q26: $4.5 million expense, largely driven by the Navitas California license settlement 1Q26: $6.7 million payroll - cycle adjustment and $1.9 million FDIC accrual release Growth primarily reflects annual merit increases of $1.8 million Operating noninterest expense increased $7.4 million compared to the prior quarter, primarily driven by the Navitas California license settlement expense and higher compensation GAAP noninterest expense increased $12.0 million year over year Operating noninterest expense increased $15.9 million year over year including: Compensation expense, up $9.2 million, driven by strategic hiring, annual merit increases, and group medical expense $4.5 million of expense, largely driven by the Navitas California license settlement 2Q26 operating efficiency ratio of 56.7% Excluding the impact of the Navitas California license settlement would lower the 2Q26 operating efficiency ratio by ~160 bps 12 (1) See non - GAAP reconciliation table slides in the exhibits to this presentation for a reconciliation of operating performance meas ures to GAAP performance $ in millions (1)

Ongoing Investment in Hiring Top Talent 13 37 net new revenue producers added since 3Q25, an expansion of 17% Prioritizing high - growth markets Pursuing bankers with strong existing customer relationships ĺĲťŘĖæŪťôŜϙťĺϙÍèèôīôŘÍťôîϙČŘĺſťēϙÍĲîϙŘôīÍťĖĺĲŜēĖŕϙôƄŕÍĲŜĖĺĲϙ ĖĲϙĺťēôŘϙÍŘôÍŜϙĺċϙťēôϙæÍĲħϙϼ‡ôťÍĖīϠϙ„ŘĖŽÍťôϙ®ôÍīťēϠϙôťèϟϽ Average tenure of recent hires is >20 years, with lenders primarily recruited from larger banks Funded volume from recent hires expected to replace projected Navitas growth in 2027

2Q26 net charge - offs of $7.9 million, or 0.16% of average loans, improved $2.5 million from 1Q26 Excluding $3.7 million of equipment finance net charge - offs, bank net charge - offs were $4.2 million Nonperforming assets were 0.52% of total loans, up 2 bps from 1Q26 Includes $9.4 million of equipment finance nonaccrual loans held for sale Past due loans improved $4.6 million during the quarter and were 0.11% of total loans, down 3 bps from 1Q26 Higher - risk loans, defined as special mention plus substandard accruing, were 2.5%, the lowest level in two years Construction and CRE ratios as a percentage of total RBC were 43% and 195%, respectively Credit Quality EĞƚŚĂƌŐĞ Ͳ KĨĨƐĂƐŽĨǀĞƌĂŐĞ>ŽĂŶƐ Nonperforming Assets & Past Due Loans as a % of Total Loans 0.51% 0.44% 0.51% 0.48% 0.50% 0.52% Ϭ 0.14% 0.23% 0.23% 0.14% 0.11% 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NPAs (%) Past Dues (%) 1.9% 1.8% ϱ 1.3% 1.3% 1.2% 1.2% 1.4% 1.5% 1.8% ϲ 1.3% 3.1% 3.1% 3.1% 3.2% 2.9% 2.5% 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Substandard Accruing (%) Special Mention (%) ^ƉĞĐŝĂůDĞŶƚŝŽŶΘ^ƵďƐƚĂŶĚĂƌĚĐĐƌƵŝŶŐ>ŽĂŶƐĂƐĂŽĨdŽƚĂů>ŽĂŶƐ 14 0.21% 0.18% 0.16% 0.34% 0.22% 0.16% Ϭ 0.08% 0.05% 0.26% 0.10% 0.09% 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 United United Excl. Navitas

Allowance for Credit Losses Allowance for Credit Losses (ACL) by Product Allowance for Credit Losses (ACL) Provision of ($29.8) million, down $40.7 million from 1Q26, primarily driven by the release of ACL associated with the reclassification of Navitas equipment finance loans to held for sale Excluding the Navitas ACL release, 2Q26 provision of $8.7 million, which more than covered bank net charge - offs of $4.2 million Allowance coverage of 1.04%, down from prior quarter primarily due the Navitas ACL release, reflecting lower risk profile of proforma loan portfolio excluding Navitas NCO coverage ratio approximately doubles excluding Navitas $217 $216 $210 $208 $169 $12 $12 $15 $18 $20 1.21% 1.19% 1.16% 1.15% 1.04% 0.65% 0.75% 0.85% 0.95% 1.05% 1.15% 1.25% 1.35% 1.45% 1.55% $50 $70 $90 $110 $130 $150 $170 $190 $210 $230 2Q25 3Q25 4Q25 1Q26 2Q26 ACL - Loans ACL - Unfunded ACL - Allowance for Credit Losses / Loans % 15 $ in millions 2Q26 1Q26 4 ACL / Loans Reserve Amount ACL / Loans Reserve Amount ACL / Loans Reserve Amount $ in thousands 0.66% $27,207 0.62% $25,127 0.59% $20,967 Owner Occupied CRE 0.75% 37,449 0.83% 41,358 1.08% 49,072 Income Producing CRE 1.70% 48,724 1.58% 43,696 1.54% 38,693 Commercial & Industrial 1.08% 12,291 0.95% 10,198 0.91% 15,979 Commercial Construction -- -- 2.26% 42,862 2.69% 47,900 Equipment Financing (1) 0.87% 26,898 0.94% 29,333 0.94% 30,217 Residential Mortgage 0.90% 12,573 0.95% 12,769 0.92% 10,812 Home Equity 1.07% 2,081 1.03% 1,900 1.04% 1,812 Residential Construction 0.77% 1,482 0.62% 1,153 0.55% 1,048 Consumer 0.94% 168,705 1.06% 208,396 1.14% 216,500 ACL - Funded Loans 19,624 17,600 11,545 ACL - Unfunded Loans 1.04% $188,329 1.15% $225,996 1.21% $228,045 ACL - Total (1) Substantially all equipment financing loans were transferred to held for sale in 2Q26 as a result of the pending sale of Navi tas Credit Corp. The remaining $35.9 million of equipment financing loans to be retained were reclassified to the commercial & industrial line as equ ipment financing no longer represents a significant held - for - investment category as of June 30, 2026.

0HPEHU)',&‹ 8QLWHG&RPPXQLW\%DQN_ XFELFRP 2 Q26 INVESTOR PRESENTATION Exhibits

&XOWXUDO)RXQGDWLRQVRI8QLWHG&RPPXQLW\ 17 Our Story Founded 76 years ago as Union County Bank, United Community has stayed true to its roots by prioritizing service. We continue to embrace our small - town, personal touch while offering a comprehensive range of personal and business banking services. Team We play to win together as a team Truth We want to see things as they are, not as we want them to be Trust We trust in people Caring We treat our customers, and each other, the way that we would want to be treated %HVW%DQNWR:RUN ) RU LQ IRUWKH WK FRQVHFXWLYH\HDU Most Awarded Bank in the Southeast Region for Retail Banking Customer Satisfaction Best Bank Awards for outstanding small business banking in 2026 To Be a Legendary Bank Our Vision Our Core Values Our Accolades Our Purpose 7R%XLOG&RPPXQLWLHV

Average Deposit Costs 18 2Q26 1Q26 4Q25 3Q25 2Q25 $ in billions; rates annualized Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance N/A $6.4 N/A $6.3 N/A $6.4 N/A $6.4 N/A $6.4 DDA 1.96% $5.8 1.95% $5.9 2.08% $6.1 2.39% $5.8 2.45% $6.1 NOW 2.43% $6.8 2.42% $6.8 2.51% $7.0 2.91% $6.9 2.99% $6.6 MMDA 0.18% $1.1 0.18% $1.1 0.18% $1.1 0.23% $1.1 0.49% $1.2 Savings 3.06% $3.7 3.14% $3.7 3.29% $3.7 3.43% $3.7 3.47% $3.5 Time 2.27% $17.3 2.27% $17.5 2.39% $17.8 2.68% $17.5 2.73% $17.5 Total Interest - Bearing 1.66% $23.8 1.67% $23.7 1.76% $24.2 1.97% $23.9 2.01% $23.8 Total Deposits

EĂǀŝƚĂƐWŽƌƚĨŽůŝŽ Net Charge - Offs & Weighted Average FICO Scores Navitas represents 9.8% of total loans Navitas ACL released in 2Q26 as $1.9 billion of equipment finance loans were reclassified to held for sale, pending the completion of the Navitas transaction, expected in 3Q26 Navitas net charge - offs of $3.7 million, or 0.77% annualized, in 2Q26 Navitas Performance $1,722 $1,778 $1,808 $1,848 Ψ ͕ϴϵϳ $1,945 9.70% 9.71% 9.70% 9.70% 9.63% 9.70% 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Navitas Loans $ Portfolio Yield % 1.20% 1.14% 1.22% 1.11% 1.25% 0.77% 761 ϳϲ 762 762 762 762 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 NCOs % - Navitas Weighted Average FICO - Total Portfolio $ in millions Navitas Portfolio Concentrations by State 11% 10% 6% 5% 58% CA TX FL NY NJ Other States

Navitas Selected GAAP Financial Information 20 2Q26 1Q26 FY 2025 $ in millions Key Portfolio Data $1,945 $1,897 $1,848 Loans & Leases 167 180 194 Loans & Leases – Serviced for Others $2,112 $2,077 $2,042 Managed Loans & Leases, Ending Balance Income Statement $40 $39 $148 Loan Interest Income 4 4 18 Non - Interest Income $44 $43 $166 Gross Revenue ($38) $3 $19 Provision Expense / (Release) 5 5 18 Salaries Expense 7 4 14 Other Non - Interest Expense (1) $12 $9 $32 Total Non - Interest Expense $4 $6 $21 Reference: Net Charge - Offs (1) Note that 2Q26 Other Non - Interest Expense includes Navitas California license settlement and associated legal fees

Rate locks were $368 million, down $41 million from 1Q26 and up $9 million from 2Q25 Sold $189 million of loans in 2Q26, up $14 million from 1Q26 and up $14 million from 2Q25 72% of locked loans were fixed - rate mortgages, which were either sold in 2Q26 or are contemplated to be sold once closed Mortgage Locks & Sales Mortgage Funded Volume Mortgage Activity Trends $359 $377 $319 $408 $368 $175 $175 $171 $175 $189 2.9% 2.6% 2.9% 2.3% 2.6% 2Q25 3Q25 4Q25 1Q26 2Q26 Mortgage Locks $ Loans Sold $ Gain on Sale % $196 $185 $181 $179 $206 $89 $97 $80 $72 $85 2Q25 3Q25 4Q25 1Q26 2Q26 HFS Funded $ HFI Funded $ 21 At 79% of funded volume, purchases remained the primary driver of mortgage activity $ in millions $ in millions

(1) Includes MSAs with a population greater than 1,000,000 (2) Includes MSAs with a population between 500,000 and 1,000,000 Footprint Focused on High - Growth Southeast MSAs 22 22.3% 8.4% 5.9% 4.7% 3.9% 3.4% 2.8% 2.1% 2.1% 2.0% Atlanta, GA Greenville, SC Nashville, TN Miami, FL Raleigh, NC Gainesville, GA Knoxville, TN Orlando, FL Rome, GA Myrtle Beach, SC Top 10 MSAs - % of Total Deposits UCB's % of Total Deposits ’26 – ’31 Proj. Pop. Growth % ’26 – ’31 Proj. HHI. Growth % 1) Jacksonville, FL 0.78% 8.79 9.73 2) Orlando, FL 2.11% 8.32 14.57 3) Raleigh, NC 3.92% 8.28 13.27 4) Charlotte, NC 1.72% 7.18 13.18 5) Tampa, FL 0.09% 6.74 14.76 6) Greenville, SC 8.44% 6.65 14.29 7) Nashville, TN 4.67% 5.72 14.70 8) Miami, FL 5.90% 5.67 17.49 9) Atlanta, GA 22.30% 4.21 11.42 10) Richmond, VA -- 3.99 11.92 11) Washington, DC -- 2.80 8.79 12) Louisville, KY -- 2.61 11.07 Fastest Growing Major Southeast MSAs (1) United MSA Presence UCBI's % of Total Deposits ’26 – ’31 Proj. Pop. Growth % ’26 – ’31 Proj. HHI. Growth % 1) Winter Haven, FL -- 10.89 16.49 2) Port St. Lucie, FL 0.16% 10.15 16.41 3) Sarasota, FL 0.15% 9.84 13.25 4) Daytona Beach, FL -- 8.49 14.36 5) Fort Myers, FL -- 8.45 13.51 6) Melbourne, FL 0.16% 7.93 13.21 7) Huntsville, AL 1.29% 7.91 8.85 8) Fayetteville, AR -- 7.73 12.74 9) Charleston, SC 1.25% 7.48 13.25 10) Pensacola, FL -- 7.10 14.38 11) Durham, NC -- 5.11 12.79 12) Columbia, SC 0.22% 4.81 11.86 13) Knoxville, TN 2.77% 4.76 13.09 14) Winston-Salem, NC 0.00% 4.17 10.64 15) Chattanooga, TN 0.21% 3.75 10.20 Fastest Growing Mid-Sized Southeast MSAs (2)

Non - GAAP Reconciliation Tables 23 2Q25 3Q25 4Q25 1Q26 2Q26 Noninterest Income Noninterest income - GAAP 34,708$ 43,219$ 40,462$ 43,746$ 38,380$ Gain on terminated cash flow hedge - - - (5,184) - Noninterest income - operating 34,708$ 43,219$ 40,462$ 38,562$ 38,380$ Provision for Credit Losses Provision for credit losses - GAAP 11,818$ 7,907$ 13,662$ 10,853$ (29,803)$ Release of ACL on equipment finance loans - - - - 38,477 Provision for credit losses - operating 11,818$ 7,907$ 13,662$ 10,853$ 8,674$ Noninterest Expense Noninterest expense - GAAP 147,919$ 150,868$ 152,048$ 157,302$ 159,915$ Payroll transition bonus - - - (6,704) - FDIC special assessment accrual reversal - - - 1,885 - Merger-related and other charges (4,833) (3,468) (606) (873) (895) Expenses - operating 143,086$ 147,400$ 151,442$ 151,610$ 159,020$ Diluted Earnings Per Share Diluted earnings per share - GAAP 0.63$ 0.70$ 0.70$ 0.69$ 0.95$ Payroll transition bonus - - - 0.04 - Gain on terminated cash flow hedge - - - (0.03) - FDIC special assessment accrual reversal - - - (0.01) - Release of ACL on equipment finance loans - - - - (0.25) Merger-related and other charges 0.03 0.02 0.01 0.01 0.01 Deemed dividend on preferred stock redemption - 0.03 - - - Diluted earnings per share - operating 0.66$ 0.75$ 0.71$ 0.70$ 0.71$ Book Value Per Common Share Book value per common share - GAAP 28.89$ 29.44$ 30.17$ 30.54$ 31.27$ Effect of goodwill and other intangibles (7.89) (7.85) (7.93) (7.98) (7.96) Tangible book value per common share 21.00$ 21.59$ 22.24$ 22.56$ 23.31$ Return on Tangible Common Equity Return on common equity - GAAP 8.45 % 9.20 % 9.48 % 9.35 % 12.56 % Payroll transition bonus - - - 0.58 - Gain on terminated cash flow hedge - - - (0.45) - FDIC special assessment accrual reversal - - - (0.16) - Release of ACL on equipment finance loans - - - - (3.25) Merger-related and other charges 0.42 0.29 0.05 0.07 0.08 Deemed dividend on preferred stock redemption - 0.34 - - - Return on common equity - operating 8.87 9.83 9.53 9.39 9.39 Effect of goodwill and intangibles 3.47 3.73 3.78 3.66 3.59 Return on tangible common equity - operating 12.34 % 13.56 % 13.31 % 13.05 % 12.98 % $ in thousands, except per share data

Non - GAAP Reconciliation Tables 24 2Q25 3Q25 4Q25 1Q26 2Q26 Return on Assets Return on assets - GAAP 1.11 % 1.29 % 1.21 % 1.22 % 1.63 % Payroll transition bonus - - - 0.07 - Gain on terminated cash flow hedge - - - (0.06) - FDIC special assessment accrual reversal - - - (0.02) - Release of ACL on equipment finance loans - - - - (0.42) Merger-related and other charges 0.05 0.04 0.01 0.01 0.01 Return on assets - operating 1.16 % 1.33 % 1.22 % 1.22 % 1.22 % Return on Assets to Return on Assets - Pre-Tax, Pre-Provision Return on assets - GAAP 1.11 % 1.29 % 1.21 % 1.22 % 1.63 % Income tax expense 0.31 0.38 0.37 0.35 0.47 Provision for credit losses 0.17 0.11 0.19 0.16 (0.42) Payroll transition bonus - - - 0.10 - Gain on terminated cash flow hedge - - - (0.08) - FDIC special assessment accrual reversal - - - (0.03) - Merger-related and other charges 0.07 0.05 0.01 0.01 0.02 Return on assets - pre-tax, pre-provision - operating 1.66 % 1.83 % 1.78 % 1.73 % 1.70 % Efficiency Ratio Efficiency ratio - GAAP 56.69 % 54.30 % 54.40 % 56.66 % 57.01 % Payroll transition bonus - - - (2.41) - Gain on terminated cash flow hedge - - - 1.03 - FDIC special assessment accrual reversal - - - 0.68 - Merger-related and other charges (1.85) (1.25) (0.21) (0.31) (0.32) Efficiency ratio - operating 54.84 % 53.05 % 54.19 % 55.65 % 56.69 % Tangible Common Equity to Tangible Assets Equity to assets ratio - GAAP 12.86 % 12.78 % 12.99 % 12.97 % 12.89 % Effect of goodwill and intangibles (3.10) (3.07) (3.07) (3.05) (2.95) Effect of preferred equity (0.31) - - - - Tangible common equity to tangible assets 9.45 % 9.71 % 9.92 % 9.92 % 9.94 % $ in thousands, except per share data

Glossary ACL – Allowance for Credit Losses MH – Manufactured Housing ALLL – Allowance for Loan Losses MLO – Mortgage Loan Office AOCI – Accumulated Other Comprehensive Income (Loss) MMDA – Money Market Deposit Account AUM – Assets Under Management MTM – Marked-to-Market BPS – Basis Points MSA – Metropolitan Statistical Area C&I – Commercial and Industrial MSR – Mortgage Servicing Rights Asset C&D – Construction and Development NCO – Net Charge-Offs CECL – Current Expected Credit Losses NIM – Net Interest Margin CET1 – Common Equity Tier 1 Capital NOW – Negotiable Order of Withdrawal CRE – Commercial Real Estate NPA – Non-Performing Asset DDA – Demand Deposit Account OO CRE – Owner Occupied Commercial Real Estate EOP – End of Period PCD – Loans Purchased with Credit Deterioration EPS – Earnings Per Share PTPP – Pre-Tax, Pre-Provision Earnings FTE – Fully-Taxable Equivalent RBC – Risk Based Capital GAAP – Accounting Principles Generally Accepted in the USA ROA – Return on Assets HELOC – Home Equity Line of Credit SBA – United States Small Business Administration IBL – Interest-Bearing Liabilities TCE – Tangible Common Equity KRX – KBW Nasdaq Regional Banking Index USDA – United States Department of Agriculture LPO – Loan Production Office YOY – Year over Year 25