0000857855 2024-01-01 2024-12-31 0000857855 2023-01-01 2023-12-31 0000857855 2022-01-01 2022-12-31 0000857855 2021-01-01 2021-12-31 0000857855 2020-01-01 2020-12-31 0000857855 ucbi:StockAwardsMember ecd:PeoMember 2024-01-01 2024-12-31 0000857855 ecd:PnsnAdjsSvcCstMember ecd:PeoMember 2024-01-01 2024-12-31 0000857855 ecd:EqtyAwrdsAdjsMember ecd:PeoMember 2024-01-01 2024-12-31 0000857855 ecd:AggtChngPnsnValInSummryCompstnTblForAplblYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0000857855 ucbi:StockAwardsMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0000857855 ecd:PnsnAdjsSvcCstMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0000857855 ecd:EqtyAwrdsAdjsMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0000857855 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:PeoMember 2024-01-01 2024-12-31 0000857855 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:PeoMember 2024-01-01 2024-12-31 0000857855 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:PeoMember 2024-01-01 2024-12-31 0000857855 ecd:YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0000857855 ecd:ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0000857855 ecd:ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember ecd:NonPeoNeoMember 2024-01-01 2024-12-31 0000857855 1 2024-01-01 2024-12-31 0000857855 2 2024-01-01 2024-12-31 0000857855 3 2024-01-01 2024-12-31 0000857855 4 2024-01-01 2024-12-31 0000857855 5 2024-01-01 2024-12-31 0000857855 6 2024-01-01 2024-12-31 0000857855 7 2024-01-01 2024-12-31 iso4217:USD pure United Community Banks, Inc. true Pay Versus Performance Disclosure As required by Item 402(v) of Regulation S-K, we are providing the following disclosure regarding executive compensation for our principal executive officer (“PEO”) and NonPEO NEOs and Company performance for the fiscal years listed below. <table cellpadding="0" style="font: 7.5pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: center; background-color: #007DB6; vertical-align: bottom"> <td style="border-right: white 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td style="border-right: white 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td style="border-right: white 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td style="border-right: white 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td style="border-right: white 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td colspan="2" style="border-right: white 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Value of Initial Fixed $100 Investment based on:4</td> <td style="border-right: white 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: center; background-color: #007DB6; vertical-align: middle"> <td style="border-right: white 1pt solid; width: 8%; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year</td> <td style="border-right: white 1pt solid; width: 12%; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Summary Compensation Table Total for H. Lynn Harton ($)1</td> <td style="border-right: white 1pt solid; width: 12%; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Compensation Actually Paid to H. Lynn Harton ($)1,2,3</td> <td style="border-right: white 1pt solid; width: 12%; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Summary Compensation Table Total for NonPEO NEOs ($)1</td> <td style="border-right: white 1pt solid; width: 14%; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Compensation Actually Paid to NonPEO NEOs ($)1,2,3</td> <td style="border-top: white 1pt solid; width: 9%; border-right: white 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">TSR ($)</td> <td style="border-top: white 1pt solid; width: 9%; border-right: white 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Peer Group TSR ($)</td> <td style="border-right: white 1pt solid; width: 12%; font: 7.5pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Net Income ($ Millions)</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; width: 12%; padding-top: 3pt; padding-bottom: 3pt">Return on Average Assets5</td></tr> <tr style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: center; vertical-align: bottom"> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: center; padding-top: 3pt; padding-bottom: 3pt">2024</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">$ 4,919,248</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">$ 5,167,743</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">$ 1,637,367</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">$ 1,658,142</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">$ 122</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">$ 112</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">$ 252</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">1.09%</td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: rgb(225,226,226)"> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: center; padding: 3pt">2023</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">3,740,470</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">2,896,904</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">1,244,360</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">946,213</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">107</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">102</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">188</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt 8pt 3pt 3pt; text-align: right">0.90</td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: White"> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: center; padding: 3pt">2022</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">2,538,380</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">2,891,751</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">921,908</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">1,017,383</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">119</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">106</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">277</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt 8pt 3pt 3pt; text-align: right">1.22</td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: rgb(225,226,226)"> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: center; padding: 3pt">2021</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">3,015,446</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">4,424,072</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">1,136,941</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">1,494,952</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">123</td> <td style="color: rgb(68,74,84); font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">117</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">270</td> <td style="font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt 8pt 3pt 3pt; text-align: right">1.42</td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: White"> <td style="border-bottom: rgb(226,227,228) 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">2020</td> <td style="border-bottom: rgb(226,227,228) 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">3,442,836</td> <td style="border-bottom: rgb(226,227,228) 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">2,920,918</td> <td style="border-bottom: rgb(226,227,228) 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">1,041,909</td> <td style="border-bottom: rgb(226,227,228) 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">1,172,258</td> <td style="color: rgb(68,74,84); border-bottom: rgb(226,227,228) 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">95</td> <td style="color: rgb(68,74,84); border-bottom: rgb(226,227,228) 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">88</td> <td style="border-bottom: rgb(226,227,228) 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: right">164</td> <td style="border-bottom: rgb(226,227,228) 1pt solid; font: 7.5pt Arial, Helvetica, Sans-Serif; padding: 3pt 8pt 3pt 3pt; text-align: right">1.51</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; color: #444A54; margin-top: 0; margin-bottom: 0; width: 100%; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.15in; text-align: left">1</td><td style="text-align: justify">In each of the years in question, Mr. Harton was our PEO and the remaining NEOs consisted of Messrs. Harralson, Bradshaw and Edwards and Ms. Davis Lux.</td> </tr> <tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.15in; text-align: left">2</td><td style="text-align: left">Compensation Actually Paid is calculated in accordance with Item 402(v) of Regulation S-K and does not reflect compensation actually earned, realized or received by the Company’s NEOs. These amounts reflect the Summary Compensation Table Total Compensation, adjusted as described in footnote 3 below.</td> </tr> <tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.15in; text-align: left">3</td><td style="text-align: left">Compensation Actually Paid reflects the exclusions and inclusions of certain amounts for the NEOs as set forth below. Equity values are calculated in accordance with FASB ASC Topic 718. Amounts in the Exclusion of Stock Awards column are the amounts set forth in the Stock Awards column of the Summary Compensation Table. Amounts in the Exclusion of Change in Pension Value column are the amounts set forth in the Change in Pension Value and Nonqualified Deferred Compensation Earnings column in the Summary Compensation Table. Amounts in the Inclusion of Pension Service Cost column are based on the service cost for services rendered during the listed year.</td> </tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; border-spacing: 0px;"> <tr style="text-align: center; background-color: #007DB6; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: middle"> <td style="width: 6%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year</td> <td style="width: 18%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Summary Compensation Table Total for H. Lynn Harton ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Exclusion of Change in Pension Value for H. Lynn Harton ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Exclusion of Stock Awards for H. Lynn Harton ($)</td> <td style="width: 16%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Inclusion of Pension Service Cost for H. Lynn Harton ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Inclusion of Equity Values for H. Lynn Harton ($)*</td> <td style="width: 15%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Compensation Actually Paid to H. Lynn Harton ($)</td></tr> <tr style="text-align: right; background-color: #E1E2E2; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">2024</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 4,919,248</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ -</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ (2,149,958)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 191,435</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 2,207,018</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 5,167,743</td></tr> </table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; border-spacing: 0px;"> <tr style="text-align: center; background-color: #007DB6; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: middle"> <td style="width: 6%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year</td> <td style="width: 18%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Summary Compensation Table Total for NonPEO NEOs ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Exclusion of Change in Pension Value for NonPEO NEOs ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Exclusion of Stock Awards for NonPEO NEOs ($)</td> <td style="width: 16%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Inclusion of Pension Service Cost for NonPEO NEOs ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Inclusion of Equity Values for NonPEO NEOs ($)*</td> <td style="width: 15%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Compensation Actually Paid to NonPEO NEOs ($)</td></tr> <tr style="text-align: right; background-color: #E1E2E2; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">2024</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 1,637,367</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ (39,217)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ (491,717)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 54,495</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 497,214</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 1,658,142</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; color: #444A54; margin-top: 0; margin-bottom: 0; width: 100%; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.15in; text-align: left">*</td><td style="text-align: left">The amounts in the Inclusion of Equity Values in the two preceding tables are derived from the amounts set forth in the following tables. During 2024, no equity awards were both granted and vested in the same year nor were any equity awards forfeited.</td> </tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; background-color: #007DB6; vertical-align: middle"> <td style="border-right: white 1pt solid; width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year</td> <td style="border-right: white 1pt solid; width: 25%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year-End Fair Value of Equity Awards Granted During Year That Remained Unvested as of Last Day of Year for H. Lynn Harton ($)</td> <td style="border-right: white 1pt solid; width: 23%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Change in Fair Value from Last Day of Prior Year to Last Day of Year of Unvested Equity Awards for H. Lynn Harton ($)</td> <td style="border-right: white 1pt solid; width: 23%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Change in Fair Value from Last Day of Prior Year to Vesting Date of Unvested Equity Awards that Vested During Year for H. Lynn Harton ($)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 23%; padding-top: 3pt; padding-bottom: 3pt">Total - Inclusion of Equity Values for H. Lynn Harton ($)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: #E1E2E2"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">2024</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ 2,304,849</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ (75,405)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ (22,426)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ 2,207,018</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; background-color: #007DB6; vertical-align: middle"> <td style="border-right: white 1pt solid; width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year</td> <td style="border-right: white 1pt solid; width: 25%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Year-End Fair Value of Equity Awards Granted During Year That Remained Unvested as of Last Day of Year for NonPEO NEOs ($)</td> <td style="border-right: white 1pt solid; width: 23%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Change in Fair Value from Last Day of Prior Year to Last Day of Year of Unvested Equity Awards for NonPEO NEOs ($)</td> <td style="border-right: white 1pt solid; width: 23%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Change in Fair Value from Last Day of Prior Year to Vesting Date of Unvested Equity Awards that Vested During Year for NonPEO NEOs ($)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 23%; padding-top: 3pt; padding-bottom: 3pt">Total - Average Inclusion of Equity Values for NonPEO NEOs ($)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: #E1E2E2"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">2024</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ 527,138</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ (23,649)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ (6,275)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ 497,214</td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; color: #444A54; margin-top: 0; margin-bottom: 0; width: 100%; border-spacing: 0px;"><tr style="font-size: 7.5pt; vertical-align: top; text-align: left"> <td style="font-size: 7.5pt; width: 0in"></td><td style="font-size: 7.5pt; width: 0.15in; text-align: left">4. </td><td style="font-size: 7.5pt; text-align: left">The peer group TSR set forth in this table utilizes the KBW Nasdaq Regional Banking Index, which we also utilize in the stock performance graph required by Item 201(e) of Regulation S-K included in our Annual Report for the year ended December 31, 2024. The comparison assumes $100 was invested for the period starting December 31, 2019, through the end of the listed year in the Company and in the KBW Nasdaq Regional Banking Index, respectively. Historical stock performance is not necessarily indicative of future stock performance. The peer group for 2024 was changed to the KBW Nasdaq Regional Banking Index as it is comprised of banks more representative of our size and business composition compared to those in the Nasdaq Bank Index used as our peer group in 2023. The table below compares the cumulative returns of United Community and these two peer groups.</td> </tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: rgb(0,125,182); font: 7.5pt Arial, Helvetica, Sans-Serif"> <td style="border-right: White 1pt solid; padding: 3pt 5.4pt; font: 7.5pt Arial, Helvetica, Sans-Serif; width: 6%; text-align: center">Year</td> <td style="border-right: White 1pt solid; padding: 3pt 5.4pt; font: 7.5pt Arial, Helvetica, Sans-Serif; width: 25%; text-align: center">United Community TSR ($)</td> <td style="border-right: White 1pt solid; padding: 3pt 5.4pt; font: 7.5pt Arial, Helvetica, Sans-Serif; width: 23%; text-align: center">Nasdaq Bank Index Cumulative Return ($)</td> <td style="border-right: White 1pt solid; padding: 3pt 5.4pt; font: 7.5pt Arial, Helvetica, Sans-Serif; width: 23%; text-align: center">KBW Nasdaq Regional Banking Index Cumulative Return ($)</td> <td style="background-color: White; padding-top: 3pt; width: 23%; padding-bottom: 3pt"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: rgb(225,226,226)"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2024</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">$ 122</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">$ 133</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">$ 112</td> <td style="padding: 3pt; background-color: White"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: White"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2023</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">107</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">97</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">102</td> <td style="padding: 3pt; background-color: White"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: rgb(225,226,226)"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2022</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">119</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">98</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">106</td> <td style="padding: 3pt; background-color: White"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: White"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2021</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">123</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">124</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">117</td> <td style="padding: 3pt; background-color: White"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: rgb(225,226,226)"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2020</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">95</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">90</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">88</td> <td style="padding: 3pt; background-color: White"> </td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; color: #444A54; margin-top: 0; margin-bottom: 0; width: 100%; border-spacing: 0px;"> <tr style="vertical-align: top; text-align: justify"> <td style="padding-bottom: 3pt; width: 0in"></td><td style="padding-bottom: 3pt; width: 0.15in; text-align: left">5</td><td style="text-align: left">We determined return on average assets to be the most important financial performance measure used to link Company performance to Compensation Actually Paid to our PEO and NonPEO NEOs in 2024. This performance measure may not have been the most important financial performance measure for prior years, and we may determine a different financial performance measure to be the most important financial performance measure in future years.</td> </tr></table> Return on Average Assets 4919248 5167743 1637367 1658142 122 112

252000000

1.09 3740470 2896904 1244360 946213 107 102

188000000

0.9 2538380 2891751 921908 1017383 119 106

277000000

1.22 3015446 4424072 1136941 1494952 123 117

270000000

1.42 3442836 2920918 1041909 1172258 95 88

164000000

1.51 In each of the years in question, Mr. Harton was our PEO and the remaining NEOs consisted of Messrs. Harralson, Bradshaw and Edwards and Ms. Davis Lux. Mr. Harton Compensation Actually Paid reflects the exclusions and inclusions of certain amounts for the NEOs as set forth below. Equity values are calculated in accordance with FASB ASC Topic 718. Amounts in the Exclusion of Stock Awards column are the amounts set forth in the Stock Awards column of the Summary Compensation Table. Amounts in the Exclusion of Change in Pension Value column are the amounts set forth in the Change in Pension Value and Nonqualified Deferred Compensation Earnings column in the Summary Compensation Table. Amounts in the Inclusion of Pension Service Cost column are based on the service cost for services rendered during the listed year.<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; border-spacing: 0px;"> <tr style="text-align: center; background-color: #007DB6; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: middle"> <td style="width: 6%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year</td> <td style="width: 18%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Summary Compensation Table Total for H. Lynn Harton ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Exclusion of Change in Pension Value for H. Lynn Harton ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Exclusion of Stock Awards for H. Lynn Harton ($)</td> <td style="width: 16%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Inclusion of Pension Service Cost for H. Lynn Harton ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Inclusion of Equity Values for H. Lynn Harton ($)*</td> <td style="width: 15%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Compensation Actually Paid to H. Lynn Harton ($)</td></tr> <tr style="text-align: right; background-color: #E1E2E2; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">2024</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 4,919,248</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ -</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ (2,149,958)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 191,435</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 2,207,018</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 5,167,743</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; color: #444A54; margin-top: 0; margin-bottom: 0; width: 100%; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.15in; text-align: left">*</td><td style="text-align: left">The amounts in the Inclusion of Equity Values in the two preceding tables are derived from the amounts set forth in the following tables. During 2024, no equity awards were both granted and vested in the same year nor were any equity awards forfeited.</td> </tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; background-color: #007DB6; vertical-align: middle"> <td style="border-right: white 1pt solid; width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year</td> <td style="border-right: white 1pt solid; width: 25%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year-End Fair Value of Equity Awards Granted During Year That Remained Unvested as of Last Day of Year for H. Lynn Harton ($)</td> <td style="border-right: white 1pt solid; width: 23%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Change in Fair Value from Last Day of Prior Year to Last Day of Year of Unvested Equity Awards for H. Lynn Harton ($)</td> <td style="border-right: white 1pt solid; width: 23%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Change in Fair Value from Last Day of Prior Year to Vesting Date of Unvested Equity Awards that Vested During Year for H. Lynn Harton ($)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 23%; padding-top: 3pt; padding-bottom: 3pt">Total - Inclusion of Equity Values for H. Lynn Harton ($)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: #E1E2E2"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">2024</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ 2,304,849</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ (75,405)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ (22,426)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ 2,207,018</td></tr> </table> Compensation Actually Paid reflects the exclusions and inclusions of certain amounts for the NEOs as set forth below. Equity values are calculated in accordance with FASB ASC Topic 718. Amounts in the Exclusion of Stock Awards column are the amounts set forth in the Stock Awards column of the Summary Compensation Table. Amounts in the Exclusion of Change in Pension Value column are the amounts set forth in the Change in Pension Value and Nonqualified Deferred Compensation Earnings column in the Summary Compensation Table. Amounts in the Inclusion of Pension Service Cost column are based on the service cost for services rendered during the listed year.<table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; border-collapse: collapse; border-spacing: 0px;"> <tr style="text-align: center; background-color: #007DB6; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: middle"> <td style="width: 6%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year</td> <td style="width: 18%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Summary Compensation Table Total for NonPEO NEOs ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Exclusion of Change in Pension Value for NonPEO NEOs ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Exclusion of Stock Awards for NonPEO NEOs ($)</td> <td style="width: 16%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Inclusion of Pension Service Cost for NonPEO NEOs ($)</td> <td style="width: 15%; border-right: white 1pt solid; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Inclusion of Equity Values for NonPEO NEOs ($)*</td> <td style="width: 15%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Compensation Actually Paid to NonPEO NEOs ($)</td></tr> <tr style="text-align: right; background-color: #E1E2E2; font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: bottom"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">2024</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 1,637,367</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ (39,217)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ (491,717)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 54,495</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 497,214</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt">$ 1,658,142</td></tr> </table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; color: #444A54; margin-top: 0; margin-bottom: 0; width: 100%; border-spacing: 0px;"><tr style="vertical-align: top; text-align: justify"> <td style="width: 0in"></td><td style="width: 0.15in; text-align: left">*</td><td style="text-align: left">The amounts in the Inclusion of Equity Values in the two preceding tables are derived from the amounts set forth in the following tables. During 2024, no equity awards were both granted and vested in the same year nor were any equity awards forfeited.</td> </tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: center; background-color: #007DB6; vertical-align: middle"> <td style="border-right: white 1pt solid; width: 6%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Year</td> <td style="border-right: white 1pt solid; width: 25%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Year-End Fair Value of Equity Awards Granted During Year That Remained Unvested as of Last Day of Year for NonPEO NEOs ($)</td> <td style="border-right: white 1pt solid; width: 23%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Change in Fair Value from Last Day of Prior Year to Last Day of Year of Unvested Equity Awards for NonPEO NEOs ($)</td> <td style="border-right: white 1pt solid; width: 23%; font: 10pt Arial, Helvetica, Sans-Serif; padding-top: 3pt; padding-bottom: 3pt">Average Change in Fair Value from Last Day of Prior Year to Vesting Date of Unvested Equity Awards that Vested During Year for NonPEO NEOs ($)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 23%; padding-top: 3pt; padding-bottom: 3pt">Total - Average Inclusion of Equity Values for NonPEO NEOs ($)</td></tr> <tr style="font: 10pt Arial, Helvetica, Sans-Serif; vertical-align: top; background-color: #E1E2E2"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; padding: 3pt; text-align: center">2024</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ 527,138</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ (23,649)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ (6,275)</td> <td style="font: 10pt Arial, Helvetica, Sans-Serif; text-align: right; padding: 3pt">$ 497,214</td></tr> </table> 4919248 -2149958 191435 2207018 5167743 1637367 -39217 -491717 54495 497214 1658142 2304849 -75405 -22426 2207018 527138 -23649 -6275 497214 <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; color: #444A54; margin-top: 0; margin-bottom: 0; width: 100%; border-spacing: 0px;"><tr style="font-size: 7.5pt; vertical-align: top; text-align: left"> <td style="font-size: 7.5pt; width: 0in"></td><td style="font-size: 7.5pt; width: 0.15in; text-align: left">4. </td><td style="font-size: 7.5pt; text-align: left">The peer group TSR set forth in this table utilizes the KBW Nasdaq Regional Banking Index, which we also utilize in the stock performance graph required by Item 201(e) of Regulation S-K included in our Annual Report for the year ended December 31, 2024. The comparison assumes $100 was invested for the period starting December 31, 2019, through the end of the listed year in the Company and in the KBW Nasdaq Regional Banking Index, respectively. Historical stock performance is not necessarily indicative of future stock performance. The peer group for 2024 was changed to the KBW Nasdaq Regional Banking Index as it is comprised of banks more representative of our size and business composition compared to those in the Nasdaq Bank Index used as our peer group in 2023. The table below compares the cumulative returns of United Community and these two peer groups.</td> </tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="background-color: rgb(0,125,182); font: 7.5pt Arial, Helvetica, Sans-Serif"> <td style="border-right: White 1pt solid; padding: 3pt 5.4pt; font: 7.5pt Arial, Helvetica, Sans-Serif; width: 6%; text-align: center">Year</td> <td style="border-right: White 1pt solid; padding: 3pt 5.4pt; font: 7.5pt Arial, Helvetica, Sans-Serif; width: 25%; text-align: center">United Community TSR ($)</td> <td style="border-right: White 1pt solid; padding: 3pt 5.4pt; font: 7.5pt Arial, Helvetica, Sans-Serif; width: 23%; text-align: center">Nasdaq Bank Index Cumulative Return ($)</td> <td style="border-right: White 1pt solid; padding: 3pt 5.4pt; font: 7.5pt Arial, Helvetica, Sans-Serif; width: 23%; text-align: center">KBW Nasdaq Regional Banking Index Cumulative Return ($)</td> <td style="background-color: White; padding-top: 3pt; width: 23%; padding-bottom: 3pt"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: rgb(225,226,226)"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2024</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">$ 122</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">$ 133</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">$ 112</td> <td style="padding: 3pt; background-color: White"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: White"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2023</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">107</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">97</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">102</td> <td style="padding: 3pt; background-color: White"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: rgb(225,226,226)"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2022</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">119</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">98</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">106</td> <td style="padding: 3pt; background-color: White"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: White"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2021</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">123</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">124</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">117</td> <td style="padding: 3pt; background-color: White"> </td></tr> <tr style="font: 7.5pt Arial, Helvetica, Sans-Serif; background-color: rgb(225,226,226)"> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: center">2020</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; text-align: right">95</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">90</td> <td style="padding: 3pt; font: 7.5pt Arial, Helvetica, Sans-Serif; white-space: nowrap; text-align: right">88</td> <td style="padding: 3pt; background-color: White"> </td></tr> </table> 122 133 112 107 97 102 119 98 106 123 124 117 95 90 88 We determined return on average assets to be the most important financial performance measure used to link Company performance to Compensation Actually Paid to our PEO and NonPEO NEOs in 2024. This performance measure may not have been the most important financial performance measure for prior years, and we may determine a different financial performance measure to be the most important financial performance measure in future years. <img alt="" src="tm25256d1_def14asp7img001.jpg"/> <img alt="" src="tm25256d1_def14asp7img001.jpg"/> <img alt="" src="tm25256d1_def14asp7img002.jpg"/> <img alt="" src="tm25256d1_def14asp7img003.jpg"/> Most Important Financial Performance Measures The following summarizes the financial performance measures that the Company considers to have been the most important in linking Compensation Actually Paid to our NEOs for 2024 to Company performance (the measures set forth in this list are not ranked): <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0pt; margin-bottom: 0pt; color: #474C55; border-spacing: 0px;"> <tr style="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 19.55pt"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif; width: 17.9pt">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif">Return on Average Assets</td></tr> <tr style="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif">Relative Total Shareholder Return</td></tr> <tr style="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif">Pretax and Preprovision Earnings Per Share</td></tr> <tr style="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif">Operating Earnings Per Share</td></tr> <tr style="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif">Net Charge-Offs</td></tr> <tr style="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif">Ratio of Nonperforming Assets / Total Assets</td></tr> <tr style="vertical-align: top; font: 10pt Arial, Helvetica, Sans-Serif"> <td style="font: 10pt Arial, Helvetica, Sans-Serif"></td><td style="font: 10pt Arial, Helvetica, Sans-Serif">•</td><td style="font: 10pt Arial, Helvetica, Sans-Serif">Operating Efficiency Ratio</td></tr> </table> Return on Average Assets Relative Total Shareholder Return Pretax and Preprovision Earnings Per Share Operating Earnings Per Share Net Charge-Offs Ratio of Nonperforming Assets / Total Assets Operating Efficiency Ratio DEF 14A 0000857855 false