UNITED COMMUNITY BANKS INC (Form: 8-K, Received: 01/14/2026 07:42:34)

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): January 14, 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 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 January 14, 2026, United Community Banks, Inc. (“United Community”) issued a press release announcing financial results for its fourth fiscal quarter of 2025. 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 January 14, 2026, United Community will hold an earnings conference call and webcast at 9:00 a.m. (Eastern Time) to discuss financial results for its fourth fiscal quarter of 2025. 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 January 14, 2026.

99.2		Slide presentation to be used during January 14, 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: January 14, 2026

Exhibit 99.1

For Immediate Release

For more information:

Jefferson Harralson

Chief Financial Officer

(864) 240-6208

Jefferson_Harralson@ucbi.com

United Community Banks, Inc. Reports Fourth Quarter Earnings

Further Margin Expansion Drove Revenue Growth

GREENVILLE, SC – January 14, 2026 – United Community Banks, Inc. (NYSE: UCB) (United) today announced net income for the fourth quarter of 2025 of $86.5 million and pre-tax, pre-provision income of $126.3 million. Diluted earnings per share of $0.70 for the quarter represented an increase of $0.09 from the fourth quarter a year ago and was flat to the third quarter. For the year of 2025, net income was $328 million and pre-tax, pre-provision income was $471 million compared with $252 million and $374 million, respectively, for 2024. Diluted earnings per share of $2.62 for 2025 increased $0.58 from $2.04 for 2024, driven by growth in revenue and the absence of a one-time loss on the sale of United’s manufactured housing loan portfolio.

On an operating basis, United’s diluted earnings per share of $0.71 increased 13% from the year-ago quarter. Strong revenue growth and positive operating leverage drove the year-over-year results. For the full year of 2025, diluted operating earnings per share were $2.71, an increase of $0.41, or 18%, from the $2.30 reported in 2024.

United’s return on assets was 1.21%, or 1.22% on an operating basis, up from 1.06% and 1.08%, respectively for the fourth quarter of 2024. Return on common equity was 9.5% and return on tangible common equity on an operating basis was 13.3%. On a pre-tax, pre-provision basis, operating return on assets was 1.78% for the quarter. At year-end, tangible common equity to tangible assets was 9.92%, up 21 basis points from the third quarter.

Chairman and CEO Lynn Harton stated, “The fourth quarter marks a great ending to a rewarding year. Our teams delivered healthy loan growth for all of 2025, leading to improvement in our earning asset mix. That improvement, combined with our focus on deposit pricing, drove a 36 basis points expansion in our net interest margin year over year, with four basis points of improvement coming in the fourth quarter. All our key performance metrics improved significantly when compared to 2024. Believing this performance will continue, we took the opportunity to repurchase one million common shares at an average price of $29.84 per share and redeem $35 million of senior debt in the fourth quarter.

Harton continued, “United is well-positioned for another great year in 2026. Economic conditions in our markets remain strong and our team continues to execute well in all our lines of business. I want to congratulate and thank them for outstanding results.”

Net charge-offs were $16.4 million or 0.34% annualized of average loans, compared with 0.21% for the fourth quarter of 2024 and 0.16% for the third quarter. Nonperforming assets were 0.33% of total assets, improved slightly from 0.35% for the third quarter. Provision for credit losses was $13.7 million for the fourth quarter, up from $11.4 million a year ago and $7.9 million for the third quarter. As of December 31, the allowance for credit losses represents 1.16% of loans, down slightly from 1.19% at September 30, reflecting the release of the remaining Hurricane Helene reserve.

Fourth Quarter 2025 Financial Highlights:

•

EPS of $0.70 was up $0.09 on a GAAP basis compared to fourth quarter 2024, and EPS of $0.71 was up $0.08, or 13%, on an operating basis

•

Net income of $86.5 million and pre-tax, pre-provision income of $126.3 million, up $10.7 million and $18.5 million, respectively, from a year ago

•

Total revenue of $278.4 million improved $27.5 million, or 11%, from a year ago

•

Net interest margin of 3.62% increased by 36 basis points from a year ago and 4 basis points from the third quarter on a lower cost of funds and improving asset mix

•

Provision for credit losses was $13.7 million, up $2.3 million from a year ago and up $5.8 million from the third quarter; allowance for credit losses coverage down slightly to 1.16% of total loans; net charge-offs were $16.4 million, or 0.34% of average loans, annualized

•

Noninterest expenses were up $1.2 million compared to the third quarter on a GAAP basis and up $4.0 million on an operating basis, primarily driven by performance-based incentives

•

Efficiency ratio of 54.4% on a GAAP basis, or 54.2% on an operating basis, improved from a year ago

•

Strong loan production led to loan growth of $209 million, up 4.4% annualized, from the third quarter

•

Mortgage closings of $261 million compared to $246 million in fourth quarter 2024; mortgage rate locks of $319 million compared to $285 million in fourth quarter 2024

•

Customer deposits were down $242 million from the third quarter

•

Return on assets of 1.21%, or 1.22% on an operating basis

•

Return on common equity and return on tangible common equity on an operating basis were 9.5% and 13.3%, respectively

•

Maintained strong capital ratios with preliminary Common Equity Tier 1 of 13.4%

•

Quarterly common dividend of $0.25 per share declared during the quarter, up 4% year-over-year

•

Repurchased 1.0 million shares of common stock in the fourth quarter at an average price of $29.84 per share

2025 Financial Highlights:

•

Net income of $328 million and pre-tax, pre-provision income of $471 million

•

GAAP diluted earnings per share of $2.62, increased 28% compared to $2.04 for 2024

•

Operating diluted earnings per share of $2.71, increased 18% compared to $2.30 for 2024

•

Total revenue of $1.06 billion, increased 12% over $952 million in 2024

•

Book value per share and tangible book value per share increased 8% and 11% respectively over 2024

•

Return on assets of 1.17%, or 1.20% on an operating basis

•

Pre-tax, pre-provision return on assets of 1.72% on an operating basis

•

Return on common equity of 9.12% compared with 7.07% for 2024

•

Return on tangible common equity - operating of 13.3% compared with 11.4% for 2024

Conference Call

United will hold a conference call on Wednesday, January 14, 2026 at 9:00 a.m. ET 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/10205112/1008d91b050. 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)
	2025												2024			Fourth Quarter 2025- 2024			For the Twelve Months Ended December 31,						YTD 2025- 2024
	Fourth Quarter			Third Quarter			Second Quarter			First Quarter			Fourth Quarter			Change			2025			2024			Change
INCOME SUMMARY
Interest revenue	$	346,367		$	353,850		$	347,365		$	335,357		$	344,962					$	1,382,939		$	1,377,741
Interest expense		108,441			120,221			121,834			123,336			134,629						473,832			550,373
Net interest revenue		237,926			233,629			225,531			212,021			210,333			13	%		909,107			827,368			10	%
Noninterest income		40,462			43,219			34,708			35,656			40,522			—			154,045			124,756			23
Total revenue		278,388			276,848			260,239			247,677			250,855			11			1,063,152			952,124			12
Provision for credit losses		13,662			7,907			11,818			15,419			11,389			20			48,806			50,951			(4	)
Noninterest expenses		152,048			150,868			147,919			141,099			143,056			6			591,934			578,167			2
Income before income tax expense		112,678			118,073			100,502			91,159			96,410						422,412			323,006
Income tax expense		26,223			26,579			21,769			19,746			20,606						94,317			70,609
Net income		86,455			91,494			78,733			71,413			75,804			14			328,095			252,397			30
Non-operating items		606			3,468			4,833			1,297			2,203						10,204			40,268
Income tax benefit of non-operating items		(133	)		(751	)		(1,047	)		(281	)		(471	)					(2,212	)		(8,702	)
Net income - operating ⁽¹⁾	$	86,928		$	94,211		$	82,519		$	72,429		$	77,536			12		$	336,087		$	283,963			18

Pre-tax pre-provision income ⁽⁵⁾	$	126,340		$	125,980		$	112,320		$	106,578		$	107,799			17		$	471,218		$	373,957			26
PERFORMANCE MEASURES
Per common share:
Diluted net income - GAAP	$	0.70		$	0.70		$	0.63		$	0.58		$	0.61			15		$	2.62		$	2.04			28
Diluted net income - operating ⁽¹⁾		0.71			0.75			0.66			0.59			0.63			13			2.71			2.30			18
Common stock cash dividends declared		0.25			0.25			0.24			0.24			0.24			4			0.98			0.94			4
Book value		30.17			29.44			28.89			28.42			27.87			8			30.17			27.87			8
Tangible book value ⁽³⁾		22.24			21.59			21.00			20.58			20.00			11			22.24			20.00			11
Key performance ratios:
Return on common equity - GAAP ⁽²⁾⁽⁴⁾		9.48	%		9.20	%		8.45	%		7.89	%		8.40	%					9.12	%		7.07	%
Return on common equity - operating ^(1)(2)(4)		9.53			9.83			8.87			8.01			8.60						9.44			7.97
Return on tangible common equity - operating ^(1)(2)(3)(4)		13.31			13.56			12.34			11.21			12.12						13.34			11.42
Return on assets - GAAP ⁽⁴⁾		1.21			1.29			1.11			1.02			1.06						1.17			0.90
Return on assets - operating ⁽¹⁾⁽⁴⁾		1.22			1.33			1.16			1.04			1.08						1.20			1.02
Return on assets -pre-tax pre-provision, excluding non-operating items ^(1)(4)(5)		1.78			1.83			1.66			1.55			1.55						1.72			1.49
Net interest margin (fully taxable equivalent) ⁽⁴⁾		3.62			3.58			3.50			3.36			3.26						3.52			3.29
Efficiency ratio - GAAP		54.40			54.30			56.69			56.74			56.05						55.46			60.24
Efficiency ratio - operating ⁽¹⁾		54.19			53.05			54.84			56.22			55.18						54.51			57.15
Equity to total assets		12.99			12.78			12.86			12.56			12.38						12.99			12.38
Tangible common equity to tangible assets ⁽³⁾		9.92			9.71			9.45			9.18			8.97						9.92			8.97
ASSET QUALITY
Nonperforming assets (“NPAs”)	$	93,498		$	97,916		$	83,959		$	93,290		$	115,635			(19	)	$	93,498		$	115,635			(19	)
ACL, loans		210,429			215,791			216,500			211,974			206,998			2			210,429			206,998			2
ACL, total		225,520			228,276			228,045			223,201			217,389			4			225,520			217,389			4
Net charge-offs		16,418			7,676			8,225			9,607			9,517						41,926			57,690
ACL, loans to loans		1.09	%		1.13	%		1.14	%		1.15	%		1.14	%					1.09	%		1.14	%
ACL, total to loans		1.16			1.19			1.21			1.21			1.20						1.16			1.20
Net charge-offs to average loans ⁽⁴⁾		0.34			0.16			0.18			0.21			0.21						0.22			0.32
NPAs to total assets		0.33			0.35			0.30			0.33			0.42						0.33			0.42
AT PERIOD END ($ in millions)
Loans	$	19,384		$	19,175		$	18,921		$	18,425		$	18,176			7		$	19,384		$	18,176			7
Investment securities		5,988			6,163			6,382			6,661			6,804			(12	)		5,988			6,804			(12	)
Total assets		28,003			28,143			28,086			27,874			27,720			1			28,003			27,720			1
Deposits		23,798			24,021			23,963			23,762			23,461			1			23,798			23,461			1
Shareholders’ equity		3,639			3,597			3,613			3,501			3,432			6			3,639			3,432			6
Common shares outstanding (thousands)		120,598			121,553			121,431			119,514			119,364			1			120,598			119,364			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.
Financial Highlights
Loan Portfolio Composition at Period-End
(in millions)
	2025								2024		Linked			Year over
	Fourth Quarter		Third Quarter		Second Quarter		First Quarter		Fourth Quarter		Quarter Change			Year Change
LOANS BY CATEGORY
Owner occupied commercial RE	$	3,852	$	3,678	$	3,563	$	3,419	$	3,398	$	174		$	454
Income producing commercial RE		4,883		4,534		4,548		4,416		4,361		349			522
Commercial & industrial		2,696		2,593		2,516		2,506		2,428		103			268
Commercial construction and land		1,245		1,734		1,752		1,681		1,656		(489	)		(411	)
Equipment financing		1,848		1,808		1,778		1,723		1,663		40			185
Total commercial		14,524		14,347		14,157		13,745		13,506		177			1,018
Residential mortgage		3,157		3,198		3,210		3,218		3,232		(41	)		(75	)
Home equity lines of credit		1,319		1,252		1,180		1,099		1,065		67			254
Residential construction and land		191		178		174		171		178		13			13
Consumer		188		192		191		183		188		(4	)		—
Other		5		8		9		9		7		(3	)		(2	)
Total loans	$	19,384	$	19,175	$	18,921	$	18,425	$	18,176	$	209		$	1,208

LOANS BY STATE
Georgia	$	4,635	$	4,584	$	4,551	$	4,484	$	4,447	$	51		$	188
South Carolina		2,971		2,926		2,872		2,821		2,815		45			156
North Carolina		2,712		2,676		2,626		2,666		2,644		36			68
Tennessee		1,913		1,902		1,881		1,880		1,799		11			114
Florida		3,102		3,040		2,966		2,572		2,527		62			575
Alabama		1,050		1,054		1,016		1,009		996		(4	)		54
Commercial Banking Solutions		3,001		2,993		3,009		2,993		2,948		8			53
Total loans	$	19,384	$	19,175	$	18,921	$	18,425	$	18,176	$	209		$	1,208

UNITED COMMUNITY BANKS, INC.
Financial Highlights
Credit Quality
(in thousands)
	2025
	Fourth Quarter		Third Quarter		Second Quarter
NONACCRUAL LOANS
Owner occupied RE	$	10,199	$	10,275	$	8,207
Income producing RE		11,488		10,884		14,624
Commercial & industrial		18,294		25,754		15,422
Commercial construction and land		984		3,198		1,368
Equipment financing		10,383		9,716		11,731
Total commercial		51,348		59,827		51,352
Residential mortgage		32,423		28,978		22,597
Home equity		5,247		5,234		4,093
Residential construction and land		1,079		1,241		1,203
Consumer		1,001		1,163		1,207
Total nonaccrual loans		91,098		96,443		80,452
OREO and repossessed assets		2,400		1,473		3,507
Total NPAs	$	93,498	$	97,916	$	83,959

	2025
	Fourth Quarter						Third Quarter						Second 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	$	1,610			0.17	%	$	2,497			0.28	%	$	470			0.05	%
Income producing RE		(116	)		(0.01	)		(106	)		(0.01	)		933			0.08
Commercial & industrial		7,557			1.15			(1,132	)		(0.18	)		1,027			0.16
Commercial construction and land		1,484			0.35			491			0.11			89			0.02
Equipment financing		5,092			1.12			5,487			1.23			4,963			1.16
Total commercial		15,627			0.43			7,237			0.20			7,482			0.22
Residential mortgage		126			0.02			(259	)		(0.03	)		313			0.04
Home equity		(94	)		(0.03	)		19			0.01			(72	)		(0.03	)
Residential construction and land		16			0.03			12			0.03			(9	)		(0.02	)
Consumer		743			1.55			667			1.39			511			1.11
Total	$	16,418			0.34		$	7,676			0.16		$	8,225			0.18

⁽¹⁾ Annualized.

UNITED COMMUNITY BANKS, INC.

Consolidated Balance Sheets (Unaudited)

(in thousands, except share and per share data)

	December 31, 2025			December 31, 2024
ASSETS
Cash and due from banks	$	202,586		$	296,161
Interest-bearing deposits in banks		193,168			223,712
Cash and cash equivalents		395,754			519,873
Debt securities available-for-sale		3,750,863			4,436,291
Debt securities held-to-maturity (fair value $1,918,426 and $1,944,126, respectively)		2,237,356			2,368,107
Loans held for sale		39,381			57,534
Loans and leases held for investment		19,384,317			18,175,980
Less allowance for credit losses - loans and leases		(210,429	)		(206,998	)
Loans and leases, net		19,173,888			17,968,982
Premises and equipment, net		393,714			394,264
Bank owned life insurance		364,184			346,234
Accrued interest receivable		83,557			85,616
Net deferred tax asset		75,861			96,982
Derivative financial instruments		35,313			46,883
Goodwill and other intangible assets, net		967,882			956,643
Other assets		484,801			442,849
Total assets	$	28,002,554		$	27,720,258
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand	$	6,252,252		$	6,211,182
NOW and interest-bearing demand		5,969,864			6,141,342
Money market		6,696,530			6,398,144
Savings		1,085,331			1,100,591
Time		3,619,189			3,441,424
Brokered		175,264			168,292
Total deposits		23,798,430			23,460,975
Short-term borrowings		85,000			195,000
Long-term debt		120,400			254,152
Derivative financial instruments		52,997			77,834
Accrued expenses and other liabilities		307,041			300,170
Total liabilities		24,363,868			24,288,131
Shareholders' equity:
Preferred stock, $1 par value: 10,000,000 shares authorized; 0 and 3,662 shares Series I issued and outstanding, respectively; $25,000 per share liquidation preference		—			88,266
Common stock, $1 par value; 200,000,000 shares authorized; 120,598,266 and 119,364,110 shares issued and outstanding, respectively		120,598			119,364
Capital surplus		2,754,399			2,723,278
Retained earnings		914,261			714,138
Accumulated other comprehensive loss		(150,572	)		(212,919	)
Total shareholders’ equity		3,638,686			3,432,127
Total liabilities and shareholders’ equity	$	28,002,554		$	27,720,258

UNITED COMMUNITY BANKS, INC.

Consolidated Statements of Income (Unaudited)

(in thousands, except per share data)

	Three Months Ended December 31,					Twelve Months Ended December 31,
	2025		2024			2025		2024
Interest revenue:
Loans, including fees	$	293,008	$	280,325		$	1,153,277	$	1,147,477
Investment securities, including tax exempt of $1,660, $1,701, $6,690 and $6,834		48,585		57,127			216,500		206,623
Deposits in banks and short-term investments		4,774		7,510			13,162		23,641
Total interest revenue		346,367		344,962			1,382,939		1,377,741
Interest expense:
Deposits:
NOW and interest-bearing demand		31,871		42,012			141,267		175,534
Money market		44,103		53,859			193,908		214,742
Savings		486		652			3,208		2,717
Time		30,747		34,601			125,369		142,526
Deposits		107,207		131,124			463,752		535,519
Short-term borrowings		18		44			1,233		131
Federal Home Loan Bank advances		—		—			433		—
Long-term debt		1,216		3,461			8,414		14,723
Total interest expense		108,441		134,629			473,832		550,373
Net interest revenue		237,926		210,333			909,107		827,368
Noninterest income:
Service charges and fees		10,674		10,622			41,731		40,994
Mortgage loan gains and related fees		6,483		9,737			25,073		27,567
Wealth management fees		5,248		4,658			18,870		23,695
Net (losses) gains from sale of other loans		2,147		1,583			7,923		(21,284	)
Other lending and loan servicing fees		4,322		3,346			16,412		14,396
Securities gains (losses), net		11		(3,316	)		352		(3,316	)
Other		11,577		13,892			43,684		42,704
Total noninterest income		40,462		40,522			154,045		124,756
Total revenue		278,388		250,855			1,063,152		952,124
Provision for credit losses		13,662		11,389			48,806		50,951
Noninterest expenses:
Salaries and employee benefits		92,520		85,707			354,451		340,043
Occupancy		11,602		10,840			44,968		44,306
Communications and equipment		14,276		12,715			55,244		49,249
FDIC assessments and other regulatory charges		4,754		3,942			18,987		20,978
Professional fees		6,773		6,268			24,595		24,732
Lending and loan servicing expense		2,014		2,311			8,759		8,379
Outside services - electronic banking		3,565		3,540			13,441		13,703
Postage, printing and supplies		2,859		2,491			10,650		9,867
Advertising and public relations		2,790		2,145			9,605		8,546
Amortization of intangibles		3,188		3,387			13,079		14,596
Merger-related and other charges		606		2,203			10,204		8,623
Other		7,101		7,507			27,951		35,145
Total noninterest expenses		152,048		143,056			591,934		578,167
Net income before income taxes		112,678		96,410			422,412		323,006
Income tax expense		26,223		20,606			94,317		70,609
Net income	$	86,455	$	75,804		$	328,095	$	252,397
Preferred stock dividends and deemed dividend at redemption		—		1,574			7,994		6,293
Earnings allocated to participating securities		565		503			1,918		1,478
Net income available to common shareholders	$	85,890	$	73,727		$	318,183	$	244,626
Net income per common share:
Basic	$	0.71	$	0.61		$	2.62	$	2.04
Diluted		0.70		0.61			2.62		2.04
Weighted average common shares outstanding:
Basic		121,672		119,924			121,309		119,783
Diluted		121,831		120,111			121,437		119,900

Average Consolidated Balance Sheets and Net Interest Analysis

For the Three Months Ended December 31,

(dollars in thousands, fully taxable equivalent (FTE))

	2025								2024
	Average Balance			Interest		Average Rate			Average Balance			Interest		Average Rate
Assets:
Interest-earning assets:
Loans, net of unearned income (FTE) ⁽¹⁾⁽²⁾	$	19,203,306		$	292,907		6.05	%	$	17,934,730		$	279,938		6.21	%
Taxable securities ⁽³⁾		5,979,298			46,925		3.14			6,722,655			55,426		3.30
Tax-exempt securities (FTE) ⁽¹⁾⁽³⁾		349,292			2,221		2.54			359,569			2,276		2.53
Federal funds sold and other interest-earning assets		657,723			5,413		3.27			812,962			8,396		4.11
Total interest-earning assets (FTE)		26,189,619			347,466		5.27			25,829,916			346,036		5.33

Noninterest-earning assets:
Allowance for loan losses		(217,185	)							(208,788	)
Cash and due from banks		205,643								228,601
Premises and equipment		395,523								398,794
Other assets ⁽³⁾		1,743,478								1,606,297
Total assets	$	28,317,078							$	27,854,820

Liabilities and Shareholders’ Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand	$	6,086,189			31,871		2.08		$	6,313,325			42,012		2.65
Money market		6,957,989			44,103		2.51			6,474,284			53,859		3.31
Savings		1,084,178			486		0.18			1,105,572			652		0.23
Time		3,653,500			30,272		3.29			3,472,161			34,030		3.90
Brokered time deposits		50,571			475		3.73			50,406			571		4.51
Total interest-bearing deposits		17,832,427			107,207		2.39			17,415,748			131,124		3.00
Federal funds purchased and other borrowings		1,413			18		5.05			3,859			44		4.54
Long-term debt		137,067			1,216		3.52			303,523			3,461		4.54
Total borrowed funds		138,480			1,234		3.54			307,382			3,505		4.54
Total interest-bearing liabilities		17,970,907			108,441		2.39			17,723,130			134,629		3.02

Noninterest-bearing liabilities:
Noninterest-bearing deposits		6,393,693								6,275,493
Other liabilities		332,836								454,891
Total liabilities		24,697,436								24,453,514
Shareholders’ equity		3,619,642								3,401,306
Total liabilities and shareholders’ equity	$	28,317,078							$	27,854,820

Net interest revenue (FTE)				$	239,025							$	211,407
Net interest-rate spread (FTE)							2.88	%							2.31	%
Net interest margin (FTE) ⁽⁴⁾							3.62	%							3.26	%

⁽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 $1.10 million and $1.07 million, respectively, for the three months ended December 31, 2025 and 2024. 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 $195 million in 2025 and $261 million in 2024 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.

Average Consolidated Balance Sheets and Net Interest Analysis

For the Twelve Months Ended December 31,

(dollars in thousands, fully taxable equivalent (FTE))

	2025								2024
	Average Balance			Interest		Average Rate			Average Balance			Interest		Average Rate
Assets:
Interest-earning assets:
Loans, net of unearned income (FTE) ⁽¹⁾⁽²⁾	$	18,776,288		$	1,152,585		6.14	%	$	18,124,179		$	1,146,440		6.33	%
Taxable securities ⁽³⁾		6,354,276			209,810		3.30			6,172,942			199,789		3.24
Tax-exempt securities (FTE) ⁽¹⁾⁽³⁾		352,899			8,951		2.54			362,655			9,152		2.52
Federal funds sold and other interest-earning assets		481,507			15,701		3.26			623,426			26,652		4.28
Total interest-earning assets (FTE)		25,964,970			1,387,047		5.34			25,283,202			1,382,033		5.47

Non-interest-earning assets:
Allowance for loan losses		(217,084	)							(212,968	)
Cash and due from banks		208,922								215,411
Premises and equipment		396,923								394,127
Other assets ⁽³⁾		1,664,206								1,611,405
Total assets	$	28,017,937							$	27,291,177

Liabilities and Shareholders’ Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand	$	6,023,746			141,267		2.35		$	6,014,052			175,534		2.92
Money market		6,775,187			193,908		2.86			6,188,579			214,742		3.47
Savings		1,120,753			3,208		0.29			1,146,305			2,717		0.24
Time		3,572,941			123,301		3.45			3,519,461			140,229		3.98
Brokered time deposits		50,509			2,068		4.09			50,359			2,297		4.56
Total interest-bearing deposits		17,543,136			463,752		2.64			16,918,756			535,519		3.17
Federal funds purchased and other borrowings		22,693			1,233		5.43			2,468			131		5.31
Federal Home Loan Bank advances		9,592			433		4.51			4			—		—
Long-term debt		195,686			8,414		4.30			319,163			14,723		4.61
Total borrowed funds		227,971			10,080		4.42			321,635			14,854		4.62
Total interest-bearing liabilities		17,771,107			473,832		2.67			17,240,391			550,373		3.19

Noninterest-bearing liabilities:
Noninterest-bearing deposits		6,327,200								6,299,019
Other liabilities		345,832								409,547
Total liabilities		24,444,139								23,948,957
Shareholders’ equity		3,573,798								3,342,220
Total liabilities and shareholders’ equity	$	28,017,937							$	27,291,177

Net interest revenue (FTE)				$	913,215							$	831,660
Net interest-rate spread (FTE)							2.68	%							2.27	%
Net interest margin (FTE) ⁽⁴⁾							3.52	%							3.29	%

⁽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 $4.11 million and $4.29 million, respectively, for 2025 and 2024. 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 $232 million in 2025 and $306 million in 2024 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)
	2025												2024			Twelve Months Ended December 31,
	Fourth Quarter			Third Quarter			Second Quarter			First Quarter			Fourth Quarter			2025			2024
Noninterest income reconciliation
Noninterest income (GAAP)	$	40,462		$	43,219		$	34,708		$	35,656		$	40,522		$	154,045		$	124,756
Loss on sale of manufactured housing loans		—			—			—			—			—			—			27,209
Gain on lease termination		—			—			—			—			—			—			(2,400	)
Noninterest income - operating	$	40,462		$	43,219		$	34,708		$	35,656		$	40,522		$	154,045		$	149,565

Noninterest expense reconciliation
Noninterest expenses (GAAP)	$	152,048		$	150,868		$	147,919		$	141,099		$	143,056		$	591,934		$	578,167
Loss on sale of FinTrust, including goodwill impairment		—			—			—			—			—			—			(5,100	)
FDIC special assessment		—			—			—			—			—			—			(1,736	)
Merger-related and other charges		(606	)		(3,468	)		(4,833	)		(1,297	)		(2,203	)		(10,204	)		(8,623	)
Noninterest expenses - operating	$	151,442		$	147,400		$	143,086		$	139,802		$	140,853		$	581,730		$	562,708

Net income to operating income reconciliation
Net income (GAAP)	$	86,455		$	91,494		$	78,733		$	71,413		$	75,804		$	328,095		$	252,397
Loss on sale of manufactured housing loans		—			—			—			—			—			—			27,209
Gain on lease termination		—			—			—			—			—			—			(2,400	)
Loss on sale of FinTrust, including goodwill impairment		—			—			—			—			—			—			5,100
FDIC special assessment		—			—			—			—			—			—			1,736
Merger-related and other charges		606			3,468			4,833			1,297			2,203			10,204			8,623
Income tax benefit of non-operating items		(133	)		(751	)		(1,047	)		(281	)		(471	)		(2,212	)		(8,702	)
Net income - operating	$	86,928		$	94,211		$	82,519		$	72,429		$	77,536		$	336,087		$	283,963

Net income to pre-tax pre-provision income reconciliation
Net income (GAAP)	$	86,455		$	91,494		$	78,733		$	71,413		$	75,804		$	328,095		$	252,397
Income tax expense		26,223			26,579			21,769			19,746			20,606			94,317			70,609
Provision for credit losses		13,662			7,907			11,818			15,419			11,389			48,806			50,951
Pre-tax pre-provision income	$	126,340		$	125,980		$	112,320		$	106,578		$	107,799		$	471,218		$	373,957

Diluted income per common share reconciliation
Diluted income per common share (GAAP)	$	0.70		$	0.70		$	0.63		$	0.58		$	0.61		$	2.62		$	2.04
Loss on sale of manufactured housing loans		—			—			—			—			—			—			0.18
Gain on lease termination		—			—			—			—			—			—			(0.02	)
Loss on sale of FinTrust, including goodwill impairment		—			—			—			—			—			—			0.03
FDIC special assessment		—			—			—			—			—			—			0.01
Merger-related and other charges		0.01			0.02			0.03			0.01			0.02			0.06			0.06
Deemed dividend on preferred stock redemption		—			0.03			—			—			—			0.03			—
Diluted income per common share - operating	$	0.71		$	0.75		$	0.66		$	0.59		$	0.63		$	2.71		$	2.30

Book value per common share reconciliation
Book value per common share (GAAP)	$	30.17		$	29.44		$	28.89		$	28.42		$	27.87		$	30.17		$	27.87
Effect of goodwill and other intangibles		(7.93	)		(7.85	)		(7.89	)		(7.84	)		(7.87	)		(7.93	)		(7.87	)
Tangible book value per common share	$	22.24		$	21.59		$	21.00		$	20.58		$	20.00		$	22.24		$	20.00

Return on tangible common equity reconciliation
Return on common equity (GAAP)		9.48	%		9.20	%		8.45	%		7.89	%		8.40	%		9.12	%		7.07	%
Loss on sale of manufactured housing loans		—			—			—			—			—			—			0.61
Gain on lease termination		—			—			—			—			—			—			(0.05	)
Loss on sale of FinTrust, including goodwill impairment		—			—			—			—			—			—			0.11
FDIC special assessment		—			—			—			—			—			—			0.04
Merger-related and other charges		0.05			0.29			0.42			0.12			0.20			0.23			0.19
Deemed dividend on preferred stock redemption		—			0.34			—			—			—			0.09			—
Return on common equity - operating		9.53			9.83			8.87			8.01			8.60			9.44			7.97
Effect of goodwill and other intangibles		3.78			3.73			3.47			3.20			3.52			3.90			3.45
Return on tangible common equity - operating		13.31	%		13.56	%		12.34	%		11.21	%		12.12	%		13.34	%		11.42	%

UNITED COMMUNITY BANKS, INC. Non-GAAP Performance Measures Reconciliation Selected Financial Information (in thousands, except per share data)
	2025												2024			Twelve Months Ended December 31,
	Fourth Quarter			Third Quarter			Second Quarter			First Quarter			Fourth Quarter			2025			2024
Return on assets reconciliation
Return on assets (GAAP)		1.21	%		1.29	%		1.11	%		1.02	%		1.06	%		1.17	%		0.90	%
Loss on sale of manufactured housing loans		—			—			—			—			—			—			0.08
Gain on lease termination		—			—			—			—			—			—			(0.01	)
Loss on sale of FinTrust, including goodwill impairment		—			—			—			—			—			—			0.02
FDIC special assessment		—			—			—			—			—			—			0.01
Merger-related and other charges		0.01			0.04			0.05			0.02			0.02			0.03			0.02
Return on assets - operating		1.22	%		1.33	%		1.16	%		1.04	%		1.08	%		1.20	%		1.02	%

Return on assets to return on assets- pre-tax pre-provision reconciliation
Return on assets (GAAP)		1.21	%		1.29	%		1.11	%		1.02	%		1.06	%		1.17	%		0.90	%
Income tax expense		0.37			0.38			0.31			0.29			0.30			0.34			0.26
Provision for credit losses		0.19			0.11			0.17			0.23			0.16			0.17			0.19
Loss on sale of manufactured housing loans		—			—			—			—			—			—			0.09
Gain on lease termination		—			—			—			—			—			—			(0.01	)
Loss on sale of FinTrust, including goodwill impairment		—			—			—			—			—			—			0.02
FDIC special assessment		—			—			—			—			—			—			0.01
Merger-related and other charges		0.01			0.05			0.07			0.01			0.03			0.04			0.03
Return on assets - pre-tax pre-provision, excluding non-operating items		1.78	%		1.83	%		1.66	%		1.55	%		1.55	%		1.72	%		1.49	%

Efficiency ratio reconciliation
Efficiency ratio (GAAP)		54.40	%		54.30	%		56.69	%		56.74	%		56.05	%		55.46	%		60.24	%
Loss on sale of manufactured housing loans		—			—			—			—			—			—			(1.63	)
Gain on lease termination		—			—			—			—			—			—			0.15
Loss on sale of FinTrust, including goodwill impairment		—			—			—			—			—			—			(0.53	)
FDIC special assessment		—			—			—			—			—			—			(0.18	)
Merger-related and other charges		(0.21	)		(1.25	)		(1.85	)		(0.52	)		(0.87	)		(0.95	)		(0.90	)
Efficiency ratio - operating		54.19	%		53.05	%		54.84	%		56.22	%		55.18	%		54.51	%		57.15	%

Tangible common equity to tangible assets reconciliation
Equity to total assets (GAAP)		12.99	%		12.78	%		12.86	%		12.56	%		12.38	%		12.99	%		12.38	%
Effect of goodwill and other intangibles		(3.07	)		(3.07	)		(3.10	)		(3.06	)		(3.09	)		(3.07	)		(3.09	)
Effect of preferred equity		—			—			(0.31	)		(0.32	)		(0.32	)		—			(0.32	)
Tangible common equity to tangible assets		9.92	%		9.71	%		9.45	%		9.18	%		8.97	%		9.92	%		8.97	%

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 December 31, 2025, United Community Banks, Inc. had $28.0 billion in assets and operated 199 offices across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. The company also manages a nationally recognized SBA lending franchise and a national equipment finance subsidiary, extending its reach to businesses across the country. United Community is an 11-time winner of J.D. Power’s award for highest customer satisfaction among consumer banks in the Southeast and was named the most trusted bank in the region in 2025. United Community has also been recognized eight consecutive years by American Banker as one of the “Best Banks to Work For.” In commercial banking, United Community earned five 2025 Greenwich Best Brand awards, including national honors for middle market satisfaction. 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”, “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 general competitive, economic, political, regulatory and market conditions. Further information regarding additional factors which could affect the forward-looking statements contained in this press release 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, 2024, and other documents subsequently filed by United with the United States 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

8QLWHG&RPPXQLW\%DQN_ XFELFRP 4Q25 Investor Presentation -DQXDU\

'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 general competitive, economic, political, regulatory and market conditions . Further information regarding additional factors which could affect the forward - looking statements contained in this Investor Presentation 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 , 2024 , and other documents subsequently filed by United with the United States 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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¶ V XQGHUO\LQJ SHUIRUPDQFH WUHQGV )XUWKHU 8QLWHG ¶ V PDQDJHPHQW XVHV WKHVH PHDVXUHV LQ PDQDJLQJ DQG HYDOXDWLQJ 8QLWHG ¶ V EXVLQHVV DQG LQWHQGV WR UHIHU WR WKHP LQ GLVFXVVLRQV DERXW 8QLWHG ¶ V RSHUDWLRQV DQG SHUIRUPDQFH 7KHVH PHDVXUHV VKRXOG EH YLHZHG LQ DGGLWLRQ WR DQG QRW DV DQ DOWHUQDWLYH WR RU VXEVWLWXWH IRU PHDVXUHV GHWHUPLQHG LQ DFFRUGDQFH ZLWK *$$3 DQG DUH QRW QHFHVVDULO\ FRPSDUDEOH WR QRQ *$$3 PHDVXUHV WKDW PD\ EH SUHVHQWHG E\ RWKHU FRPSDQLHV 7R WKH H[WHQW DSSOLFDEOH UHFRQFLOLDWLRQV RI WKHVH QRQ *$$3 PHDVXUHV WR WKH PRVW GLUHFWO\ FRPSDUDEOH PHDVXUHV DV UHSRUWHG LQ DFFRUGDQFH ZLWK *$$3 DUH LQFOXGHG ZLWK WKH DFFRPSDQ\LQJ ILQDQFLDO VWDWHPHQW WDEOHV

%,//,21,1 727$/ $66(76 United Community Banks, Inc. Note: See Glossary located at the end of this presentation for reference on certain acronyms (1) 4Q25 regulatory capital ratio is preliminary 8&%,%DQNLQJ2IILFHV Regional Full - Service Branch Network National Navitas and SBA Markets Company Overview %,//,21,1 727$/ '(326,76 %,//,21,1 $80 13.4% CET1 RBC (1) $19.4 BILLION IN TOTAL LOANS 48$57(5/< &20021 ',9,'(1' %$1.,1*2)),&(6 $&52667+( 6287+($67 #1 IN CUSTOMER SATISFACTION with Consumer Banking in the Southeast in 2025 Plus #1 in Trust and People - J.D. Power BEST BANK AWARDS 5 awards for outstanding performance in small business and middle market banking in 2025 - Coalition Greenwich %(67%$1.672:25.)25 LQ IRUWKHQLQWKFRQVHFXWLYH\HDU $PHULFDQ%DQNHU 3UHPLHU6RXWKHDVW5HJLRQDO%DQN &HOHEUDWLQJ <HDUVRI([FHSWLRQDO6HUYLFH Metro - focused branch network with locations in the fastest - growing MSAs in the Southeast 189 branches, 10 LPOs, and 5 MLOs across six Southeast states; Top 10 deposit market share in GA and SC Extended Navitas and SBA Markets 1DYLWDVVXEVLGLDU\LVDWHFKQRORJ\ HQDEOHGVPDOO WLFNHWHVVHQWLDO XVHFRPPHUFLDOHTXLSPHQWILQDQFLQJSURYLGHU 6%$EXVLQHVVKDVERWKLQ IRRWSULQWDQGQDWLRQDOEXVLQHVV VSHFLILFYHUWLFDOV

1.06% 1.29% ϭ͘Ϯϭ й ϭ͘Ϭϴ й ϭ͘ϯϯ й 1.22% 4Q24 3Q25 4Q25 Return on Assets GAAP Operating Ψ Ϭ͘ϲϭ $0.70 $0.70 Ψ Ϭ͘ϲϯ Ψ Ϭ͘ϳϱ Ψ Ϭ͘ϳϭ 4Q24 3Q25 4Q25 Diluted Earnings Per Share GAAP Operating $27.87 Ψ Ϯϵ͘ϰϰ $30.17 $20.00 Ψ Ϯϭ͘ϱϵ Ψ ϮϮ͘Ϯϰ 4Q24 3Q25 4Q25 ŽŽŬsĂůƵĞWĞƌ^ŚĂƌĞ GAAP Tangible 1.01% Return on assets – operating (1) 4Q25 Highlights 6HHQRQ *$$3UHFRQFLOLDWLRQWDEOHVOLGHVLQWKHH[KLELWVWRWKLVSUHVHQWDWLRQIRUDUHFRQFLOLDWLRQ RIRSHUDWLQJSHUIRUPDQFHPHDVXUHVWR*$$3SHUIRUPDQFH $251 $248 Ψ ϮϲϬ Ψ Ϯϳϳ Ψ Ϯϳϴ 3.26% 3.36% ϯ͘ϱϬ й 3.58% 3.62% 4Q24 1Q25 2Q25 3Q25 4Q25 ZĞǀĞŶƵĞ'ƌŽǁƚŚ Net Interest Income Noninterest Income NIM % ; ϭ Ϳ (1) $0.70 Diluted earnings per share – GAAP $0.71 Diluted earnings per share – operating ( 1) 13% Year - over - year improvement 5HWXUQRQDVVHWV *$$3 5HWXUQRQDVVHWV RSHUDWLQJ ESV <HDU RYHU \HDULPSURYHPHQW 1.76% Cost of deposits 44 bps Year - over - year improvement 26% DDA / total deposits 11% Year - over - year revenue growth 9.5% Return on common equity – GAAP 13.3% Return on tangible common equity – operating (1) (IILFLHQF\UDWLR *$$3 (IILFLHQF\UDWLR RSHUDWLQJ ESV <HDU RYHU \HDULPSURYHPHQW 7%9SHUVKDUH $QQXDOJURZWK 1HWLQWHUHVWPDUJLQ ESV <HDU RYHU \HDULPSURYHPHQW ; ϭ Ϳ

Ϭ͘ϲϴ й 0.90% 1.17% Ϭ͘ϵϰ й ϭ͘ϬϮ й ϭ͘ϮϬ й 2023 2024 2025 Return on Assets GAAP Operating $1.54 Ψ Ϯ͘Ϭϰ $2.62 $2.11 Ψ Ϯ͘ϯϬ Ψ Ϯ͘ϳϭ 2023 2024 2025 ŝůƵƚĞĚĂƌŶŝŶŐƐWĞƌ^ŚĂƌĞ GAAP Operating $26.52 $27.87 Ψ ϯϬ͘ϭϳ $18.39 $20.00 Ψ ϮϮ͘Ϯϰ 2023 2024 2025 ŽŽŬsĂůƵĞWĞƌ^ŚĂƌĞ GAAP Tangible 5HWXUQRQDVVHWV RSHUDWLQJ Annual Highlights (1) See non - GAAP reconciliation table slides in the exhibits to this presentation for a reconciliation of operating performance measures to GAAP performance Ψ ϴϵϯ $952 $1,063 ϯ͘ϯϱ й ϯ͘Ϯϵ й ϯ͘ϱϮ й 2023 2024 2025 Revenue Growth Net Interest Income Noninterest Income NIM % 5 ; ϭ Ϳ (1) $2.62 Diluted earnings per share – GAAP $2.71 Diluted earnings per share – operating ( 1) 18% Year - over - year improvement 5HWXUQRQDVVHWV *$$3 5HWXUQRQDVVHWV RSHUDWLQJ ESV <HDU RYHU \HDULPSURYHPHQW &RVWRIGHSRVLWV ESV <HDU RYHU \HDULPSURYHPHQW ''$WRWDOGHSRVLWV <HDU RYHU \HDUUHYHQXHJURZWK 5HWXUQRQFRPPRQHTXLW\ *$$3 5HWXUQRQWDQJLEOHFRPPRQHTXLW\ RSHUDWLQJ 55.5% Efficiency ratio – GAAP 54.5% Efficiency ratio – operating (1) 264 bps Year - over - year improvement $22.24 TBV per share (1) 11% Annual growth 3.52% Net interest margin 23 bps Year - over - year improvement ; ϭ Ϳ

5.26% 5.25% ϱ͘ϭϴ й 4.58% 4.25% ϰ͘Ϯϱ й ϰ͘Ϯϭ й ϯ͘ϳϳ й 2.03% 2.35% Ϯ͘ϯϱ й 2.20% 2.05% Ϯ͘Ϭϭ й ϭ͘ϵϳ й ϭ͘ϳϲ й 4Q23 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Fed Target Average Lower Bound United Cost of Deposits Outstanding Deposit Franchise Deposit Costs Improved 21 bps in 4Q25 Customer Deposit Growth On an end of period basis, customer deposits declined by $242 million, or 4.1% annualized, from 3Q25 On an average basis, customer deposits grew by $302 million, or 5.1% annualized, from 3Q25 Public funds of $3.1 billion were up $293 million from 3Q25, primarily driven by seasonality On an end of period basis, noninterest - bearing DDA declined $192 million from 3Q25. On an average basis, noninterest - bearing DDA grew $27 million from 3Q25 Consistent Deposit Portfolio Growth ϴ͕ϱϴϴ ϴ͕ϴϰϰ ϵ͕ϭϮϮ 9,220 8,770 ϭϭ͕ϰϱϵ 11,597 11,758 ϭϭ͕ϳϵϳ ϭϭ͕ϳϭϯ ϭϲϴ 161 156 ϭϱϲ 175 3,246 ϯ͕ϭϲϬ Ϯ͕ϵϮϳ Ϯ͕ϴϰϴ 3,140 4Q24 1Q25 2Q25 3Q25 4Q25 Commercial Consumer Brokered Public Funds $ in millions 'HSRVLW&RVWV&RQWLQXHWR7UHQG'RZQ &XPXODWLYHQRQ PDWXULW\,%GHSRVLWEHWDRI WKURXJK 4 7LPHGHSRVLWVUDQRIIDW ZKLOHQHZYROXPHFDPH RQDW LQ 4 40% Cumulative Total Deposit Beta

Ψ ϭϴ͕ϭϳϲ Ψ ϭϴ͕ϰϮϱ $18,921 $19,175 Ψ ϭϵ͕ϯϴϰ 4Q24 1Q25 2Q25 3Q25 4Q25 Loans Excl. Acquired Acquired Loans (ANB) Consistent Loan Portfolio Growth /RDQ*URZWK Quarter Highlights Loan growth of $209 million or 4.4% annualized from 3Q25 Strong loan growth in targeted segments HELOC growth of $67 million, or 21% annualized, in 4Q25 C&I growth was 13% annualized in 4Q25, including $94 million, or 10% annualized, in Owner Occupied CRE (1) and $103 million, or 16% annualized, in all other C&I Construction and CRE ratios as a percentage of total RBC were 46% and 198%, respectively Annual Highlights Loans grew $1.2 billion or 6.6% from 4Q24 Excluding the impact of acquired ANB balances, loans grew 5.0% from 4Q24 Growth was balanced across products, with Commercial & Industrial, Owner Occupied CRE (1) , and Equipment Finance all up 11% year over year 4 7RWDO/RDQV %LOOLRQ 6% 1% ϭ й 43% Ϯϱ й 16% ϳ й & , Commercial Construction CRE 2WKHU&RQVXPHU Residential Mortgage +RPH (TXLW\ Residential Construction LQPLOOLRQV 1RWH& ,LQFOXGHV&RPPHUFLDO ,QGXVWULDODQG2ZQHU2FFXSLHG&5( &RQVXPHULQFOXGHV0RUWJDJH+(/2&DQG2WKHU&RQVXPHU +7% (1) 4Q25 included a preliminary reclass from Commercial Construction to Investor CRE ($400 million) and Owner Occupied CRE ($ 80 million). Growth rates presented above are adjusted for the reclassification.

78% ϳϴ й 79% ϴϬ й 82% ϵϬ й 4Q24 1Q25 2Q25 3Q25 4Q25 United KRX Peer Median 6XEVWDQWLDOEDODQFHVKHHWOLTXLGLW\DQGVWURQJUHJXODWRU\ FDSLWDODQGWDQJLEOHFRPPRQHTXLW\UDWLRV 5HGHHPHG PLOOLRQRIVHQLRUGHEWZLWK UDWHLQ 4 6WUDWHJLFVKLIWWRZDUGKLJKHU HDUQLQJDVVHWVLQFUHDVHGORDQWR GHSRVLWUDWLRLQ 4 /RDQVLQFUHDVHG PLOOLRQLQ 4 ZKLOHLQYHVWPHQW VHFXULWLHVGHFUHDVHG PLOOLRQ 6XEVWDQWLDOO\DOOEDQNIXQGLQJFRPHVIURPFRUHGHSRVLWEDVH ''$FRPSULVHV RIFXVWRPHUGHSRVLWV 9.0% 9.2% ϵ͘ϱ й 9.7% ϵ͘ϵ й 8.8% 4Q24 1Q25 2Q25 3Q25 4Q25 United KRX Peer Median Loans / Core Deposits % Tangible Common Equity / Tangible Assets % ŽŵŵŽŶƋƵŝƚǇdŝĞƌ ϭ ZйΎ 13.2% ϭϯ͘ϯ й 13.3% ϭϯ͘ϰ й ϭϯ͘ϰ й 12.1% 4Q24 1Q25 2Q25 3Q25 4Q25 United KRX Peer Median Balance Sheet Strength – Liquidity and Capital *4Q25 regulatory capital ratio is preliminary

ZŝƐŬ Ͳ ĂƐĞĚĂƉŝƚĂůZĂƚŝŽƐ Tangible Book Value Per Share 4 $FWLRQV 5HSXUFKDVHG PLOOLRQRIFRPPRQVWRFN PLOOLRQVKDUHVLQ 4 DWDYHUDJHSULFHRI SHUVKDUH %RDUGDSSURYHGFRPPRQVKDUHUHSXUFKDVH DXWKRUL]DWLRQRI PLOOLRQIRU 4XDUWHUO\FRPPRQGLYLGHQGRI SHUVKDUH XS YVSULRU\HDU &DSLWDO5DWLRV &(7 UHPDLQVDERYHSHHUVDW /HYHUDJHUDWLRLQFUHDVHG ESVWR DV FRPSDUHGWR 4 7&(RI LQFUHDVHG ESVIURP 4 DQG ESVIURP 4 ϭϯ͘Ϯ й ϭϯ͘ϯ й 13.3% 13.4% 12.1% ϭϯ͘ϰ й 0.5% Ϭ͘ϰ й Ϭ͘ϰ й Ϭ͘ϳ й 1.5% 1.4% 1.4% ϭ͘ϰ й 2.0% ϭ͘ϯ й ϭϱ͘ϭ й ϭϱ͘ϭ й 15.1% 14.8% 14.8% ϭϰ͘ϴ й 4Q24 1Q25 2Q25 3Q25 3Q25 KRX Peer Median 4Q25* CET1 Additional Tier 1 Tier 2 &DSLWDO5DWLRV Ψ ϮϮ͘Ϯϰ Ψ Ϯϭ͘ϱϵ $0.70 ( $0.25 ) ( $0.07 ) Ψ Ϭ͘ϭϭ $0.16 3Q25 TBV GAAP Earnings Dividends Share Repurchases Change in AOCI Other 4Q25 TBV 4 UHJXODWRU\FDSLWDOUDWLRVDUHSUHOLPLQDU\ 'HSOR\PHQW

$210.3 $212.0 $225.5 Ψ Ϯϯϯ͘ϲ Ψ Ϯϯϳ͘ϵ 3.26% ϯ͘ϯϲ й ϯ͘ϱϬ й 3.58% 3.62% $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% 4Q24 1Q25 2Q25 3Q25 4Q25 Net Interest Revenue Net Interest Margin 3.62% ϯ͘ϱϴ й Ϭ͘Ϭϵ й ( 0.01% ) ; Ϭ͘ϬϮ й Ϳ ; Ϭ͘ϬϮ й Ϳ 3Q25 NIM Rate Mix Accretion Other 4Q25 NIM Net Interest Revenue & Net Interest Margin 4Q25 NIM Up 4 bps Net interest revenue increased $4.3 million from 3Q25. Net interest revenue for full year 2025 was up 10% compared to full year 2024 Net interest margin of 3.62% was up 4 bps from 3Q25, primarily due to improved funding costs Purchased loan accretion totaled $3.9 million and contributed 6 bps to the margin, down 2 bps from 3Q25 Back book repricing of assets below current market pricing continues to be a tailwind. Over the next 12 months, $1.4 billion in fixed - rate assets with an average rate of 4.90% will contractually reprice or mature Short CD duration, with 39% of the $3.7 billion book maturing in the next 3 months at 3.32% average rate 1HW,QWHUHVW5HYHQXH0DUJLQ Yields & Costs ϲ͘Ϯϭ й ϲ͘ϭϬ й 6.19% 6.21% 6.05% ϯ͘Ϯϲ й ϯ͘ϯϲ й 3.50% ϯ͘ϱϴ й ϯ͘ϲϮ й 3.02% 2.83% 2.76% Ϯ͘ϲϵ й Ϯ͘ϯϵ й 4Q24 1Q25 2Q25 3Q25 4Q25 Loan Yield NIM Cost of IBL (1) Net interest margin is calculated on a fully taxable equivalent basis $ in millions +36 bps

Ψ ϭϬ͘ϲ $9.5 Ψ ϭϬ͘ϭ Ψ ϭϭ͘ϰ $10.7 Ψ ϵ͘ϳ $6.1 $5.4 Ψ ϳ͘ϭ $6.5 Ψ ϰ͘ϳ Ψ ϰ͘ϱ $4.4 Ψ ϰ͘ϴ $5.2 $1.6 Ψ ϭ͘ϰ $2.0 Ψ Ϯ͘ϰ Ψ Ϯ͘ϭ $13.9 Ψ ϭϰ͘ϭ $12.8 $17.6 Ψ ϭϱ͘ϵ 4Q24 1Q25 2Q25 3Q25 4Q25 Service Charges Mortgage Brokerage / Wealth Mgmt Loan Sale Gains Other Linked Quarter Noninterest income decreased $2.8 million from 3Q25 Mortgage fees decreased, primarily due to a positive MSR mark of $0.3 million in 4Q25 vs. a positive MSR mark of $0.8 million in 3Q25 Loan sale gains of $2.1 million decreased $0.3 million from 3Q25 Sold $14.4 million of SBA loans and $41.6 million of Navitas loans Other income decreased $1.7 million, primarily due to the absence of elevated unrealized equity investment gains that occurred in the prior quarter Year - over - Year Noninterest income is flat compared to 4Q24 Mortgage fees decreased, primarily due to a positive MSR mark of $0.3 million in 4Q25 vs. a positive MSR mark of $3.5 million in 4Q24 Wealth Management increased $0.6 million driven by higher brokerage fees Loan sale gains increased $0.6 million Other income increased $2.0 million, including a $0.9 million increase in customer swap income, $0.5 million higher Treasury Management income, and $0.5 million higher BOLI income Ψ ϰϬ͘ϱ Noninterest Income Ψ ϯϱ͘ϳ $ in millions $34.7 Ψ ϰϯ͘Ϯ $40.5

Ψ ϭϰϯ͘ϭ $141.1 $147.9 Ψ ϭϱϬ͘ϵ Ψ ϭϱϮ͘Ϭ $140.9 Ψ ϭϯϵ͘ϴ $143.1 Ψ ϭϰϳ͘ϰ $151.4 4Q24 1Q25 2Q25 3Q25 4Q25 GAAP Operating Noninterest Expense 4 RSHUDWLQJHIILFLHQF\UDWLRRI 2SHUDWLQJHIILFLHQF\UDWLRLPSURYHG ESVIURP 4 ZLWK LPSURYHPHQWGULYHQE\SRVLWLYHRSHUDWLQJOHYHUDJH ĨĨŝĐŝĞŶĐǇZĂƚŝŽ Noninterest Expense ϱϲ͘ϭ й 56.7% ϱϲ͘ϳ й 54.3% 54.4% ϱϱ͘Ϯ й ϱϲ͘Ϯ й 54.8% ϱϯ͘ϭ й 54.2% 4Q24 1Q25 2Q25 3Q25 4Q25 GAAP Operating *$$3QRQLQWHUHVWH[SHQVHLQFUHDVHG PLOOLRQFRPSDUHGWR WKHSULRUTXDUWHU 2SHUDWLQJQRQLQWHUHVWH[SHQVHLQFUHDVHG PLOOLRQFRPSDUHG WRWKHSULRUTXDUWHULQFOXGLQJ PLOOLRQLQKLJKHUJURXS LQVXUDQFHFRVWV *$$3QRQLQWHUHVWH[SHQVHLQFUHDVHG PLOOLRQ\HDURYHU\HDU 2SHUDWLQJQRQLQWHUHVWH[SHQVHLQFUHDVHG PLOOLRQ\HDURYHU \HDUSULPDULO\GULYHQE\D PLOOLRQLQFUHDVHLQFRPSHQVDWLRQ H[SHQVHLQFOXGLQJKLJKHUYDULDEOHFRPSHQVDWLRQUHIOHFWLQJ VWURQJEXVLQHVVSHUIRUPDQFHDQGVPDOOHULQFUHDVHVLQYDULRXV RWKHUH[SHQVHFDWHJRULHV 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 LQPLOOLRQV (1)

4 QHWFKDUJH RIIVRI PLOOLRQRU RIDYHUDJH ORDQVXS PLOOLRQIURP 4 ,QFUHDVHSULPDULO\GULYHQE\WZR& ,FUHGLWVRIZKLFK PLOOLRQZDVDOUHDG\VSHFLILFDOO\UHVHUYHG $QQXDOQHWFKDUJH RIIVRI PLOOLRQRU RIDYHUDJH ORDQVLPSURYHGIURP PLOOLRQRU RIDYHUDJHORDQV LQWKHSULRU\HDU 1RQSHUIRUPLQJDVVHWVLPSURYHG PLOOLRQGXULQJWKHTXDUWHU DQGZHUH RIWRWDOORDQVGRZQ ESVIURP 4 3DVWGXHORDQVZHUH RIWRWDOORDQVIODWWR 4 +LJKHU ULVNORDQVGHILQHGDVVSHFLDOPHQWLRQSOXVVXEVWDQGDUG DFFUXLQJZHUH XSVOLJKWO\IURP 4 Credit Quality Net Charge - Offs as % of Average Loans EŽŶƉĞƌĨŽƌŵŝŶŐƐƐĞƚƐΘWĂƐƚƵĞ>ŽĂŶƐĂƐĂйŽĨdŽƚĂů>ŽĂŶƐ 0.58% Ϭ͘ϲϰ й Ϭ͘ϲϰ й 0.64% Ϭ͘ϱϭ й 0.44% 0.51% Ϭ͘ϰϴ й 0.28% Ϭ͘Ϯϲ й Ϭ͘ϭϵ й 0.17% Ϭ͘Ϯϭ й 0.14% 0.23% Ϭ͘Ϯϯ й 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 NPAs (%) Past Dues (%) 1.6% ϭ͘ϯ й ϭ͘ϯ й 1.4% ϭ͘Ϯ й 1.4% 1.5% ϭ͘ϴ й 1.3% ϭ͘ϱ й ϭ͘ϳ й 1.8% ϭ͘ϵ й 1.8% 1.5% ϭ͘ϯ й 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Special Mention (%) Substandard Accruing (%) Special Mention & Substandard Accruing Loans as a % of Total Loans Ϭ͘Ϯϴ й 0.26% Ϭ͘ϱϮ й 0.21% 0.21% Ϭ͘ϭϴ й 0.16% Ϭ͘ϯϰ й Ϭ͘ϭϲ й 0.15% Ϭ͘ϰϱ й 0.08% 0.11% Ϭ͘Ϭϴ й 0.05% Ϭ͘Ϯϲ й 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 United United Excl. Navitas ,QFOXGHV EDVLVSRLQWVRIH[SHFWHGOLIHWLPHORVVHVUHODWHGWRWKH 4 VDOHRIPDQXIDFWXUHGKRXVLQJORDQV (1)

Allowance for Credit Losses Allowance for Credit Losses (ACL) by Product Allowance for Credit Losses (ACL) Provision of $13.7 million, up $5.8 million from 3Q25 Hurricane - related special reserve fully released in 4Q25, down from $1.9 million in 3Q25 Allowance coverage of 1.16%, down slightly from prior quarter Baseline economic scenario in 4Q25 has a generally similar outlook from the prior quarter $207 $212 $217 $216 $210 $10 $11 $12 $12 $15 1.20% 1.21% 1.21% 1.19% 1.16% 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 4Q24 1Q25 2Q25 3Q25 4Q25 ACL - Loans ACL - Unfunded ACL - Allowance for Credit Losses / Loans % 14 $ in millions 4 3Q25 4 ACL / Loans Reserve Amount ACL / Loans Reserve Amount $&//RDQV Reserve Amount LQWKRXVDQGV 0.60% 23,044 0.56 % 20,659 0.58 % 19,873 Owner Occupied CRE 0.88% 42,878 1.02 % 46,211 0.95 % 41,427 Income Producing CRE 1.60% 43,269 1.72 % 44,481 1.46 % 35,441 Commercial & Industrial 0.91% 11,323 0.80 % 13,841 0.99 % 16,370 Commercial Construction 2.48% 45,852 2.49 % 45,104 2.85 % 47,415 Equipment Financing 0.93% 29,241 0.98 % 31,273 1.00 % 32,259 Residential Mortgage 0.90% 11,849 0.91 % 11,356 1.06% 11,247 Home Equity 0.94% 1,799 0.99 % 1,767 0.94 % 1,672 Residential Construction -- -- -- -- 26.12 % 450 Manufactured Housing (1) 0.63% 1,174 0.57 % 1,099 0.45 % 844 Consumer 1.09% 210,429 1.13 % 215,791 1.14 % 206,998 ACL - Loans 15,091 12,485 10,391 ACL - Unfunded 1.16% $225,520 1.19 % $228,276 1.20 % $217,389 Total ACL (1) In 2025, manufactured housing loans were included in consumer loans

0HPEHU)',& 8QLWHG&RPPXQLW\%DQN_ XFELFRP 4 Q25 INVESTOR PRESENTATION Exhibits

&XOWXUDO)RXQGDWLRQVRI8QLWHG&RPPXQLW\ 16 Our Story Founded 75 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 Best Consumer Bank for Customer Satisfaction in the Southeast Region, 9 out of the last 11 years, including #1 in People and #1 in Trust in 2025 Best Bank for middle market and small business banking for 9 years To Be a Legendary Bank Our Vision Our Core Values Our Accolades Our Purpose 7R%XLOG&RPPXQLWLHV

Average Deposit Costs 17 4Q25 3Q25 2Q25 1Q25 4Q24 $ 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 $6.4 N/A $6.4 N/A $6.2 N/A $6.3 DDA 2.08% $6.1 2.39% $5.8 2.45% $6.1 2.47% $6.1 2.65% $6.3 NOW 2.51% $7.0 2.91% $6.9 2.99% $6.6 3.05% $6.6 3.31% $6.5 MMDA 0.18% $1.1 0.23% $1.1 0.49% $1.2 0.23% $1.1 0.23% $1.1 Savings 3.29% $3.7 3.43% $3.7 3.47% $3.5 3.63% $3.4 3.90% $3.5 Time 2.39% $17.8 2.68% $17.5 2.73% $17.5 2.79% $17.3 3.00% $17.4 Total Interest - Bearing 1.76% $24.2 1.97% $23.9 2.01% $23.8 2.05% $23.5 2.20% $23.7 Total Deposits

Navitas Portfolio Net Charge - Offs & Weighted Average FICO Scores Navitas represents 9.5% of total loans Navitas ACL / Loans of 2.48% Navitas net charge - offs of $5.1 million, or 1.11% annualized, in 4Q25 Of the $5.1 million in NCOs, $0.9 million came from the Long Haul Trucking segment as the book shrank to just $15 million Excluding Long Haul Trucking losses, Navitas losses were 0.91% of total Navitas loans 1DYLWDV3HUIRUPDQFH $1,447 $1,510 $1,534 $1,543 $1,544 $1,581 $1,603 Ψ ϭ͕ϲϲϯ $1,722 $1,778 $1,808 $1,848 8.99% 9.12% 9.25% ϵ͘ϯϬ й 9.43% 9.58% 9.64% 9.68% 9.70% 9.71% 9.70% ϵ͘ϳϬ й 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 Navitas Loans $ Portfolio Yield % 18 0.93% 0.69% 1.62% 2.05% 1.66% 1.42% ϭ͘ϯϰ й 1.43% 1.20% 1.14% 1.22% 1.11% 752 754 ϳϱϱ 756 757 758 759 760 761 761 ϳϲϮ 762 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 NCOs % - Navitas Weighted Average FICO - Total Portfolio $ in millions Navitas Portfolio Concentrations by State 11% 11% 10% 6% 58% CA TX FL NY NJ Other States

Rate locks were $319 million, down $58 million from 3Q25, primarily driven by seasonality Sold $171 million of loans in 4Q25, approximately flat to 3Q25 76% of locked loans were fixed - rate mortgages, which were either sold in 4Q25 or are contemplated to be sold once closed Mortgage Locks & Sales Mortgage Funded Volume Mortgage Activity Trends $285 Ψ ϯϯϬ $359 $377 $319 $163 $141 $175 $175 Ψ ϭϳϭ 3.0% 2.9% 2.9% 2.6% 2.9% 4Q24 1Q25 2Q25 3Q25 4Q25 Mortgage Locks $ Loans Sold $ Gain on Sale % $195 $129 Ψ ϭϵϲ $185 $181 $50 $58 $89 $97 $80 4Q24 1Q25 2Q25 3Q25 4Q25 HFS Funded $ HFI Funded $ Surpassed $1 billion in funded mortgage volume in 2025 At 78% of funded volume, purchases remained the primary driver of mortgage activity, compared to 22% refinance volume $ 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 20 22.3% 8.4% ϱ͘ϵ й 4.7% 3.9% 3.4% 2.8% 2.1% 2.1% 2.0% ƚůĂŶƚĂ͕' Greenville, SC Nashville, TN Miami, FL Raleigh, NC Gainesville, GA Knoxville, TN Orlando, FL ZŽŵĞ͕' Myrtle Beach, SC Top 10 MSAs - % of Total Deposits UCBI'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 21 4Q24 1Q25 2Q25 3Q25 4Q25 Expenses Expenses - GAAP 143,056$ 141,099$ 147,919$ 150,868$ 152,048$ Merger-related and other charges (2,203) (1,297) (4,833) (3,468) (606) Expenses - operating 140,853$ 139,802$ 143,086$ 147,400$ 151,442$ Diluted Earnings Per Share Diluted earnings per share - GAAP 0.61$ 0.58$ 0.63$ 0.70$ 0.70$ Merger-related and other charges 0.02 0.01 0.03 0.02 0.01 Deemed dividend on preferred stock redemption - - - 0.03 - Diluted earnings per share - operating 0.63$ 0.59$ 0.66$ 0.75$ 0.71$ Book Value Per Share Book value per share - GAAP 27.87$ 28.42$ 28.89$ 29.44$ 30.17$ Effect of goodwill and other intangibles (7.87) (7.84) (7.89) (7.85) (7.93) Tangible book value per share 20.00$ 20.58$ 21.00$ 21.59$ 22.24$ Return on Tangible Common Equity Return on common equity - GAAP 8.40 % 7.89 % 8.45 % 9.20 % 9.48 % Merger-related and other charges 0.20 0.12 0.42 0.29 0.05 Deemed dividend on preferred stock redemption - - - 0.34 - Return on common equity - operating 8.60 8.01 8.87 9.83 9.53 Effect of goodwill and intangibles 3.52 3.20 3.47 3.73 3.78 Return on tangible common equity - operating 12.12 % 11.21 % 12.34 % 13.56 % 13.31 % $ in thousands, except per share data

Non - GAAP Reconciliation Tables 4Q24 1Q25 2Q25 3Q25 4Q25 Return on Assets Return on assets - GAAP 1.06 % 1.02 % 1.11 % 1.29 % 1.21 % Merger-related and other charges 0.02 0.02 0.05 0.04 0.01 Return on assets - operating 1.08 % 1.04 % 1.16 % 1.33 % 1.22 % Return on Assets to Return on Assets - Pre-Tax, Pre-Provision Return on assets - GAAP 1.06 % 1.02 % 1.11 % 1.29 % 1.21 % Income tax expense 0.30 0.29 0.31 0.38 0.37 Provision for credit losses 0.16 0.23 0.17 0.11 0.19 Return on assets - pre-tax, pre-provision 1.52 1.54 1.59 1.78 1.77 Merger-related and other charges 0.03 0.01 0.07 0.05 0.01 Return on assets - pre-tax, pre-provision - operating 1.55 % 1.55 % 1.66 % 1.83 % 1.78 % Efficiency Ratio Efficiency ratio - GAAP 56.05 % 56.74 % 56.69 % 54.30 % 54.40 % Merger-related and other charges (0.87) (0.52) (1.85) (1.25) (0.21) Efficiency ratio - operating 55.18 % 56.22 % 54.84 % 53.05 % 54.19 % Tangible Common Equity to Tangible Assets Equity to assets ratio - GAAP 12.38 % 12.56 % 12.86 % 12.78 % 12.99 % Effect of goodwill and intangibles (3.09) (3.06) (3.10) (3.07) (3.07) Effect of preferred equity (0.32) (0.32) (0.31) - - Tangible common equity to tangible assets 8.97 % 9.18 % 9.45 % 9.71 % 9.92 %

Non - GAAP Reconciliation Tables 23 2023 2024 2025 Diluted Earnings Per Share Diluted earnings per share - GAAP 1.54$ 2.04$ 2.62$ Deemed dividend on preferred stock redemption - - 0.03 Bond portfolio restructuring loss 0.33 - - Loss on FinTrust (goodwill impairment) - 0.03 - Loss on sale of manufactured housing loans - 0.18 - Gain on lease termination - (0.02) - FDIC special assessment 0.06 0.01 - Merger-related and other charges 0.18 0.06 0.06 Diluted earnings per share - operating 2.11 2.30 2.71 Book Value Per Share Book Value per share - GAAP 26.52$ 27.87$ 30.17$ Effect of goodwill and other intangibles (8.13) (7.87) (7.93) Tangible book value per share 18.39$ 20.00$ 22.24$ Return on Tangible Common Equity Return on common equity (GAAP) 5.34 % 7.07 % 9.12 % Deemed dividend on preferred stock redemption - - 0.09 Bond portfolio restructuring loss 1.15 - - Loss on FinTrust (goodwill impairment) - 0.11 - Gain on lease termination - (0.05) - FDIC special assessment 0.22 0.04 - Loss on sale of manufactured housing loans - 0.61 - Merger-related and other charges 0.62 0.19 0.23 Return on common equity - operating 7.33 7.97 9.44 Effect of goodwill and other intangibles 3.30 3.45 3.90 Return on tangible common equity - operating 10.63 % 11.42 % 13.34 % $ in thousands, except per share data

Non - GAAP Reconciliation Tables 24 2023 2024 2025 Return on Assets Return on assets (GAAP) 0.68 % 0.90 % 1.17 % Bond portfolio restructuring loss 0.15 - - Loss on FinTrust (goodwill impairment) - 0.02 - Gain on lease termination - (0.01) - FDIC special assessment 0.03 0.01 - Loss on sale of manufactured housing loans - 0.08 - Merger-related and other charges 0.08 0.02 0.03 Return on assets - operating 0.94 % 1.02 % 1.20 % Efficiency Ratio Efficiency ratio (GAAP) 60.09 % 60.24 % 55.46 % Gain on lease termination - 0.15 - Loss on FinTrust (goodwill impairment) - (0.53) - FDIC special assessment (1.05) (0.18) - Loss on sale of manufactured housing loans - (1.63) - Merger-related and other charges (2.87) (0.90) (0.95) Efficiency ratio - operating 56.17 % 57.15 % 54.51 %

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