UNITED COMMUNITY BANKS INC (Form: 8-K, Received: 04/21/2026 07:41:11)

Exhibit 99.2

Disclosures 2 CAUTIONARY STATEMENT This Investor Presentation 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 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, 2025, 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. NON-GAAP MEASURES This Investor Presentation includes financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”). This financial information includes certain operating performance measures, which exclude merger-related and other charges that are not considered part of recurring operations, such as "noninterest income – operating", “noninterest expense – operating,” “operating net income,” “pre-tax, pre-provision income,” “operating net income per diluted common share,” “operating earnings per share,” “tangible book value per common share,” “operating return on common equity,” “operating return on tangible common equity,” “operating return on assets,” “return on assets - pre-tax pre-provision - operating,” “return on assets - pre-tax, pre-provision,” “operating efficiency ratio,” and “tangible common equity to tangible assets.” These non-GAAP measures are included because United believes they may provide useful supplemental information for evaluating United’s underlying performance trends. Further, United’s management uses these measures in managing and evaluating United’s business and intends to refer to them in discussions about United’s operations and performance. These measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non-GAAP measures that may be presented by other companies. To the extent applicable, reconciliations of these non-GAAP measures to the most directly comparable measures as reported in accordance with GAAP are included with the accompanying financial statement tables.

$28.2 BILLION IN TOTAL ASSETS United Community Banks, Inc. Note: See Glossary located at the end of this presentation for reference on certain acronyms (1) 1Q26 regulatory capital ratio is preliminary 3 UCBI Banking Offices Regional Full-Service Branch Network National Navitas and SBA Markets Company Overview $24.0 BILLION IN TOTAL DEPOSITS $3.4 BILLION IN AUM 13.4% CET1 RBC(1) $19.6 BILLION IN TOTAL LOANS $0.25 QUARTERLY COMMON DIVIDEND 200 BANKING OFFICES ACROSS THE SOUTHEAST MOST AWARDED BANK in the Southeast region for retail banking customer satisfaction - J.D. Power BEST BANK AWARDS for outstanding performance in small business banking in 2026 - Coalition Greenwich BEST BANKS TO WORK FOR in 2025 for the ninth consecutive year - American Banker Premier Southeast Regional Bank – Committed to Service Since 1950 Metro-focused branch network with locations in the fastest-growing MSAs in the Southeast 190 branches, 10 LPOs, and 5 MLOs across six Southeast states; Top 10 deposit market share in GA and SC Extended Navitas and SBA Markets Navitas subsidiary is a technology-enabled, small-ticket, essential-use commercial equipment financing provider SBA business has both in-footprint and national business (4 specific verticals)

1.02% 1.21% 1.22% 1.04% 1.22% 1.22% 1Q25 4Q25 1Q26 Return on Assets GAAP Operating $0.58 $0.70 $0.69 $0.59 $0.71 $0.70 1Q25 4Q25 1Q26 Diluted Earnings Per Share GAAP Operating $28.42 $30.17 $30.54 $20.58 $22.24 $22.56 1Q25 4Q25 1Q26 Book Value Per Share GAAP Tangible 1.01% Return on assets – operating(1) 1Q26 Highlights (1) See non-GAAP reconciliation table slides in the exhibits to this presentation for a reconciliation of operating performance measures to GAAP performance (2) One-time expense due to a payroll transition bonus associated with our change to a bi-weekly payroll cycle in arrears $248 $260 $277 $278 $277 3.36% 3.50% 3.58% 3.62% 3.65% 1Q25 2Q25 3Q25 4Q25 1Q26 Revenue Growth Net Interest Income Noninterest Income NIM % 4 (1) (1) $0.69 Diluted earnings per share – GAAP $0.70 Diluted earnings per share – operating(1) 19% Year-over-year improvement 1.22% Return on assets – GAAP 1.22% Return on assets – operating(1) 18 bps Year-over-year improvement 1.67% Cost of deposits 38 bps Year-over-year improvement 27% DDA / customer deposits 12% Year-over-year revenue growth 9.4% Return on common equity – GAAP 13.1% Return on tangible common equity – operating(1) 56.7% Efficiency ratio – GAAP 55.7% Efficiency ratio – operating(1) 57 bps Year-over-year improvement $22.56 TBV per share(1) 10% Annual growth 3.65% Net interest margin 29 bps Year-over-year improvement (1) 1Q26 Notable non-operating items: $6.7 million One-time payroll transition bonus(2) $5.2 million Gain on termination of sub-debt cap $1.9 million Release of FDIC special assessment

8,844 9,122 9,220 8,770 9,009 11,597 11,758 11,797 11,713 11,745 161 156 156 175 165 3,160 2,927 2,848 3,140 3,107 1Q25 2Q25 3Q25 4Q25 1Q26 Commercial Consumer Brokered Public Funds 5.25% 5.18% 4.58% 4.25% 4.25% 4.21% 3.77% 3.50% 2.35% 2.35% 2.20% 2.05% 2.01% 1.97% 1.76% 1.67% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Fed Target Average Lower Bound United Cost of Deposits Outstanding Deposit Franchise Deposit Costs Improved 9 bps in 1Q26 5 Customer Deposit Growth On an end-of-period basis, customer deposits grew by $237 million, or 4.0% annualized, from 4Q25 Public funds of $3.1 billion declined by $34 million from 4Q25 DDA comprises 27% of customer deposits Consistent Deposit Portfolio Growth $ in millions Deposit Costs Continue to Trend Down Cumulative non-maturity IB deposit beta of 56% through 1Q26 Time deposits ran off at 3.36% while new volume came on at 3.06% in 1Q26 Short CD duration, with 52% of the $3.7 billion book maturing in the next 3 months at 3.39% average rate 39% Cumulative Total Deposit Beta

$18,425 $18,921 $19,175 $19,384 $19,602 1Q25 2Q25 3Q25 4Q25 1Q26 Loans Excl. Acquired Acquired Loans (ANB) Consistent Loan Portfolio Growth Loan Growth Quarter Highlights Loan growth of $218 million, or 4.5% annualized, from 4Q25 Strong loan growth in targeted segments C&I growth was 10% annualized in 1Q26, including $91 million, or 9% annualized, in Owner Occupied CRE and $75 million, or 11% annualized, in all other C&I HELOC growth of $25 million, or 8% annualized, in 1Q26 Construction and CRE ratios as a percentage of total RBC were 41% and 194%, respectively 6 1Q26 Total Loans $19.6 Billion 5% 1% 1% 45% 25% 16% 7% C&I Commercial Construction CRE Other Consumer Residential Mortgage Home Equity Residential Construction $ in millions Note: C&I includes Commercial & Industrial and Owner Occupied CRE +6%

78% 79% 80% 82% 82% 92% 1Q25 2Q25 3Q25 4Q25 1Q26 United KRX Peer Median Substantial balance sheet liquidity and strong regulatory capital and tangible common equity ratios Notified holders of intent to extinguish $100 million of subordinated debt on April 30 Subordinated debt currently contributes $20 million qualifying Tier 2 capital $5.2 million gain on rate cap termination in 1Q26. Cap served as a hedge on subordinated debt Loan to deposit ratio flat from 4Q25, as strategic shift toward higher-earning assets was complemented by deposit growth Loans increased $218 million in 1Q26 while investment securities decreased $202 million Substantially all bank funding comes from core deposit base 9.2% 9.5% 9.7% 9.9% 9.9% 8.8% 1Q25 2Q25 3Q25 4Q25 1Q26 United KRX Peer Median Loans / Core Deposits % Tangible Common Equity / Tangible Assets % Common Equity Tier 1 RBC %* 13.3% 13.3% 13.4% 13.4% 13.4% 12.1% 1Q25 2Q25 3Q25 4Q25 1Q26 United KRX Peer Median Balance Sheet Strength – Liquidity and Capital 7 *1Q26 regulatory capital ratio is preliminary

8 Risk-Based Capital Ratios Tangible Book Value Per Share Q1 Actions Repurchased $37 million of common stock (1.1 million shares) in 1Q26 at average price of $33.97 per share Remaining authorization of $63 million in 2026 Quarterly common dividend of $0.25 per share, up 4% vs. prior year Capital Ratios CET1 remains above peers at 13.4% Leverage ratio increased 17 bps to 10.5%, as compared to 4Q25 TCE of 9.9% flat from 4Q25 and 74 bps improved from 1Q25 13.3% 13.3% 13.4% 13.4% 12.1% 13.4% 0.4% 0.4% 0.6% 1.4% 1.4% 1.4% 1.3% 2.0% 1.2% 15.1% 15.1% 14.8% 14.8% 14.8% 14.6% 1Q25 2Q25 3Q25 4Q25 4Q25 KRX Peer Median 1Q26* CET1 Additional Tier 1 Tier 2 Capital Ratios $22.56 $22.24 $0.69 ( $0.25 ) ( $0.11 ) ( $0.03 ) $0.02 4Q25 TBV GAAP Earnings Dividends Share Repurchases Change in AOCI Other 1Q26 TBV *1Q26 regulatory capital ratios are preliminary Deployment

$212.0 $225.5 $233.6 $237.9 $232.8 3.36% 3.50% 3.58% 3.62% 3.65% $ 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% 1Q25 2Q25 3Q25 4Q25 1Q26 Net Interest Revenue Net Interest Margin 3.65% 3.62% (0.01%) 0.02% 0.02% 4Q25 NIM Rate Mix Day Count / Other 1Q26 NIM Five Consecutive Quarters of Net Interest Margin Expansion 1Q26 NIM Up 3 bps Net interest margin of 3.65% was up 3 bps from 4Q25 Net interest revenue decreased $5.2 million from 4Q25, primarily due to day count and a smaller balance sheet, but increased $20.7 million from 1Q25 Purchased loan accretion totaled $3.8 million and contributed 6 bps to the margin, flat from 4Q25 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 4.63% will contractually reprice or mature Net Interest Revenue / Margin (1) Yields & Costs 6.10% 6.19% 6.21% 6.05% 5.99% 3.36% 3.50% 3.58% 3.62% 3.65% 2.83% 2.76% 2.69% 2.39% 2.30% 1Q25 2Q25 3Q25 4Q25 1Q26 Loan Yield NIM Cost of IBL (1) Net interest margin is calculated on a fully taxable equivalent basis (1) 9 $ in millions +29 bps

$9.5 $10.1 $11.4 $10.7 $9.5 $6.1 $5.4 $7.1 $6.5 $6.9 $4.5 $4.4 $4.8 $5.2 $4.6 $1.4 $2.0 $2.4 $2.1 $1.9 $14.1 $12.8 $17.6 $15.9 $20.8 1Q25 2Q25 3Q25 4Q25 1Q26 Service Charges Mortgage Brokerage / Wealth Mgmt Loan Sale Gains Other Linked Quarter GAAP noninterest income increased $3.3 million from 4Q25 Includes a one-time gain of $5.2 million on termination of sub-debt cap Operating noninterest income decreased $1.9 million from 4Q25 Loan sale gains of $1.9 million decreased $0.3 million from 4Q25 Sold $26.3 million of SBA loans and $8.3 million of Navitas loans Service charges decreased $1.1 million and brokerage fees decreased $0.5 million driven by seasonality Year-over-Year GAAP noninterest income increased $8.1 million from 1Q25 Operating noninterest income increased $2.9 million from 1Q25 Other income improvement was driven by customer swap fees, up $0.6 million, and Treasury Management fees, up $0.4 million Mortgage fee improvement driven by higher volume Lock volume up 24% from 1Q25 Loan sale gains increased $0.5 million 10 Noninterest Income $35.7 $ in millions $34.7 $43.2 $40.5 $43.7 (1) Mortgage income presentation above includes a negative $1.1 million mark on trading securities purchased as an economic hedge to offset volatility in the MSR asset. The mark on the MSR asset in 1Q26 was a positive $1.1 million. In GAAP financial statements, the economic hedge is reflected in Other Income, rather than in Mortgage (1)

$141.1 $147.9 $150.9 $152.0 $157.3 $139.8 $143.1 $147.4 $151.4 $151.6 1Q25 2Q25 3Q25 4Q25 1Q26 GAAP Operating Noninterest Expense 1Q26 operating efficiency ratio of 55.7% Operating efficiency ratio improved 57 bps from 1Q25, with improvement driven by positive operating leverage Continued focus on hiring revenue producers in targeted segments, with net addition of 10 producers, a 6% increase from 4Q25 Efficiency Ratio Noninterest Expense 56.7% 56.7% 54.3% 54.4% 56.7% 56.2% 54.8% 53.1% 54.2% 55.7% 1Q25 2Q25 3Q25 4Q25 1Q26 GAAP Operating GAAP noninterest expense increased $5.3 million compared to the prior quarter, primarily driven by two non-operating items: $6.7 million payroll transition bonus associated with our change to a bi-weekly payroll cycle in arrears $1.9 million release of FDIC special assessment accrual Operating noninterest expense increased $0.2 million compared to the prior quarter, including seasonally higher payroll taxes, partially offset by lower variable compensation GAAP noninterest expense increased $16.2 million year over year Operating noninterest expense increased $11.8 million year over year including new hires, merit increases, and higher variable compensation 11 (1) See non-GAAP reconciliation table slides in the exhibits to this presentation for a reconciliation of operating performance measures to GAAP performance (1) $ in millions (1)

1Q26 net charge-offs of $10.4 million, or 0.22% of average loans, improved $6.0 million from 4Q25 Nonperforming assets were 0.50% of total loans, up 2 bps from 4Q25 Past due loans improved $16.7 million during the quarter and were 0.14% of total loans, down 9 bps from 4Q25 Higher-risk loans, defined as special mention plus substandard accruing, were 2.9%, improved from 3.2% in 4Q25 Credit Quality Net Charge-Offs as % of Average Loans Nonperforming Assets & Past Due Loans as a % of Total Loans 0.64% 0.64% 0.64% 0.51% 0.44% 0.51% 0.48% 0.50% 0.26% 0.19% 0.17% 0.21% 0.14% 0.23% 0.23% 0.14% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 NPAs (%) Past Dues (%) 1.5% 1.7% 1.8% 1.9% 1.8% 1.5% 1.3% 1.3% 1.3% 1.3% 1.4% 1.2% 1.4% 1.5% 1.8% 1.6% 2.8% 3.0% 3.2% 3.1% 3.1% 3.1% 3.2% 2.9% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Substandard Accruing (%) Special Mention (%) Special Mention & Substandard Accruing Loans as a % of Total Loans 12 0.26% 0.52% 0.21% 0.21% 0.18% 0.16% 0.34% 0.22% 0.15% 0.45% 0.08% 0.11% 0.08% 0.05% 0.26% 0.10% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 United United Excl. Navitas (1) Includes 24 basis points of expected lifetime losses related to the 3Q24 sale of manufactured housing loans (1)

Allowance for Credit Losses Allowance for Credit Losses (ACL) by Product Allowance for Credit Losses (ACL) Provision of $10.9 million, down $2.8 million from 4Q25 Allowance coverage of 1.15%, down slightly from prior quarter $212 $217 $216 $210 $208 $11 $12 $12 $15 $18 1.21% 1.21% 1.19% 1.16% 1.15% 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 1Q25 2Q25 3Q25 4Q25 1Q26 ACL - Loans ACL - Unfunded ACL - Allowance for Credit Losses / Loans % 13 $ in millions 1Q25 4Q25(1) 1Q26 ACL / Loans Reserve Amount ACL / Loans Reserve Amount ACL / Loans Reserve Amount $ in thousands Owner Occupied CRE 21,505 0.63% 24,888 0.63% 25,127 0.62% Income Producing CRE 45,817 1.04% 44,071 0.88% 41,358 0.83% Commercial & Industrial 37,704 1.50% 43,269 1.60% 43,696 1.58% Commercial Construction 16,725 0.99% 8,286 0.83% 10,198 0.95% Equipment Financing 47,600 2.76% 45,852 2.48% 42,862 2.26% Residential Mortgage 29,679 0.92% 29,241 0.93% 29,333 0.94% Home Equity 10,297 0.94% 11,849 0.90% 12,769 0.95% Residential Construction 1,622 0.95% 1,799 0.94% 1,900 1.03% Consumer 1,025 0.56% 1,174 0.63% 1,153 0.62% ACL - Loans 211,974 1.15% 210,429 1.09% 208,396 1.06% ACL - Unfunded 11,227 15,091 17,600 Total ACL $223,201 1.21% $225,520 1.16% $225,996 1.15% (1) Note: Reserve amounts by product updated to capture impact of 4Q25 reclass from Commercial Construction to Investor CRE and Owner Occupied CRE, which are reflected in 2025 10-K filing

Cultural Foundations of United Community 15 Our Story Founded 76 years ago as Union County Bank, United Community has stayed true to its roots by prioritizing service. We continue to embrace our small-town, personal touch while offering a comprehensive range of personal and business banking services. Team We play to win together as a team Truth We want to see things as they are, not as we want them to be Trust We trust in people Caring We treat our customers, and each other, the way that we would want to be treated Best Bank to Work For in 2025 for the 9 th consecutive year Most Awarded Bank in the Southeast Region for Retail Banking Customer Satisfaction Best Bank Awards for outstanding small business banking in 2026 Our Core Values Our Vision To Be a Legendary Bank Our Accolades Our Purpose To Build Communities

Average Deposit Costs 16 1Q25 2Q25 3Q25 4Q25 1Q26 $ in billions; rates annualized Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance DDA $6.2 N/A $6.4 N/A $6.4 N/A $6.4 N/A $6.3 N/A NOW $6.1 2.47% $6.1 2.45% $5.8 2.39% $6.1 2.08% $5.9 1.95% MMDA $6.6 3.05% $6.6 2.99% $6.9 2.91% $7.0 2.51% $6.8 2.42% Savings $1.1 0.23% $1.2 0.49% $1.1 0.23% $1.1 0.18% $1.1 0.18% Time $3.4 3.63% $3.5 3.47% $3.7 3.43% $3.7 3.29% $3.7 3.14% Total Interest-Bearing $17.3 2.79% $17.5 2.73% $17.5 2.68% $17.8 2.39% $17.5 2.27% Total Deposits $23.5 2.05% $23.8 2.01% $23.9 1.97% $24.2 1.76% $23.7 1.67%

Navitas Portfolio Net Charge-Offs & Weighted Average FICO Scores Navitas represents 9.7% of total loans Navitas ACL / Loans of 2.26% Navitas net charge-offs of $5.8 million, or 1.25% annualized, in 1Q26 Of the $5.8 million in NCOs, $0.6 million came from the Long Haul Trucking segment as the book shrank to just $12 million Excluding Long Haul Trucking losses, Navitas losses were 1.13% of total Navitas loans Navitas Performance $1,581 $1,603 $1,663 $1,722 $1,778 $1,808 $1,848 $1,897 9.58% 9.64% 9.68% 9.70% 9.71% 9.70% 9.70% 9.63% 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Navitas Loans $ Portfolio Yield % 17 1.42% 1.34% 1.43% 1.20% 1.14% 1.22% 1.11% 1.25% 758 759 760 761 761 762 762 762 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 NCOs % - Navitas Weighted Average FICO - Total Portfolio $ in millions Navitas Portfolio Concentrations by State 11% 10% 10% 6% 5% 58% CA TX FL NY NJ Other States

Rate locks were $408 million, up $89 million from 4Q25 and up $78 million from 1Q25 Sold $175 million of loans in 1Q26, approximately flat to 4Q25 and up $34 million from 1Q25 76% of locked loans were fixed-rate mortgages, which were either sold in 1Q26 or are contemplated to be sold once closed 1Q26 was the strongest production quarter since 2022, in both application and lock volume, helped by a period of lower rates Mortgage Locks & Sales Mortgage Funded Volume Mortgage Activity Trends $330 $359 $377 $319 $408 $141 $175 $175 $171 $175 2.9% 2.9% 2.6% 2.9% 2.3% 1Q25 2Q25 3Q25 4Q25 1Q26 Mortgage Locks $ Loans Sold $ Gain on Sale % $129 $196 $185 $181 $179 $58 $89 $97 $80 $72 1Q25 2Q25 3Q25 4Q25 1Q26 HFS Funded $ HFI Funded $ 18 At 71% of funded volume, purchases remained the primary driver of mortgage activity, compared to 29% 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 19 22.3% 8.4% 5.9% 4.7% 3.9% 3.4% 2.8% 2.1% 2.1% 2.0% Atlanta, GA Greenville, SC Nashville, TN Miami, FL Raleigh, NC Gainesville, GA Knoxville, TN Orlando, FL Rome, GA Myrtle Beach, SC Top 10 MSAs - % of Total Deposits 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 20 1Q25 2Q25 3Q25 4Q25 1Q26 Noninterest Income Noninterest income - GAAP 35,656 $ 34,708 $ 43,219 $ 40,462 $ 43,746 $ Gain on terminated cash flow hedge - - - - (5,184) Noninterest income - operating 35,656 $ 34,708 $ 43,219 $ 40,462 $ 38,562 $ Noninterest Expense Noninterest expense - GAAP 141,099 $ 147,919 $ 150,868 $ 152,048 $ 157,302 $ Payroll transition bonus - - - - (6,704) FDIC special assessment accrual reversal - - - - 1,885 Merger-related and other charges (1,297) (4,833) (3,468) (606) (873) Expenses - operating 139,802 $ 143,086 $ 147,400 $ 151,442 $ 151,610 $ Diluted Earnings Per Share Diluted earnings per share - GAAP 0.58 $ 0.63 $ 0.70 $ 0.70 $ 0.69 $ Payroll transition bonus - - - - 0.04 Gain on terminated cash flow hedge - - - - (0.03) FDIC special assessment accrual reversal - - - - (0.01) Merger-related and other charges 0.01 0.03 0.02 0.01 0.01 Deemed dividend on preferred stock redemption - - 0.03 - - Diluted earnings per share - operating 0.59 $ 0.66 $ 0.75 $ 0.71 $ 0.70 $ Book Value Per Share Book value per share - GAAP 28.42 $ 28.89 $ 29.44 $ 30.17 $ 30.54 $ Effect of goodwill and other intangibles (7.84) (7.89) (7.85) (7.93) (7.98) Tangible book value per share 20.58 $ 21.00 $ 21.59 $ 22.24 $ 22.56 $ Return on Tangible Common Equity Return on common equity - GAAP 7.89 % 8.45 % 9.20 % 9.48 % 9.35 % Payroll transition bonus - - - - 0.58 Gain on terminated cash flow hedge - - - - (0.45) FDIC special assessment accrual reversal - - - - (0.16) Merger-related and other charges 0.12 0.42 0.29 0.05 0.07 Deemed dividend on preferred stock redemption - - 0.34 - - Return on common equity - operating 8.01 8.87 9.83 9.53 9.39 Effect of goodwill and intangibles 3.20 3.47 3.73 3.78 3.66 Return on tangible common equity - operating 11.21 % 12.34 % 13.56 % 13.31 % 13.05 % $ in thousands, except per share data

Non-GAAP Reconciliation Tables 21 1Q25 2Q25 3Q25 4Q25 1Q26 Return on Assets Return on assets - GAAP 1.02 % 1.11 % 1.29 % 1.21 % 1.22 % Payroll transition bonus - - - - 0.07 Gain on terminated cash flow hedge - - - - (0.06) FDIC special assessment accrual reversal - - - - (0.02) Merger-related and other charges 0.02 0.05 0.04 0.01 0.01 Return on assets - operating 1.04 % 1.16 % 1.33 % 1.22 % 1.22 % Return on Assets to Return on Assets - Pre-Tax, Pre-Provision Return on assets - GAAP 1.02 % 1.11 % 1.29 % 1.21 % 1.22 % Income tax expense 0.29 0.31 0.38 0.37 0.35 Provision for credit losses 0.23 0.17 0.11 0.19 0.16 Payroll transition bonus - - - - 0.10 Gain on terminated cash flow hedge - - - - (0.08) FDIC special assessment accrual reversal - - - - (0.03) Merger-related and other charges 0.01 0.07 0.05 0.01 0.01 Return on assets - pre-tax, pre-provision - operating 1.55 % 1.66 % 1.83 % 1.78 % 1.73 % Efficiency Ratio Efficiency ratio - GAAP 56.74 % 56.69 % 54.30 % 54.40 % 56.66 % Payroll transition bonus - - - - (2.41) Gain on terminated cash flow hedge - - - - 1.03 FDIC special assessment accrual reversal - - - - 0.68 Merger-related and other charges (0.52) (1.85) (1.25) (0.21) (0.31) Efficiency ratio - operating 56.22 % 54.84 % 53.05 % 54.19 % 55.65 % Tangible Common Equity to Tangible Assets Equity to assets ratio - GAAP 12.56 % 12.86 % 12.78 % 12.99 % 12.97 % Effect of goodwill and intangibles (3.06) (3.10) (3.07) (3.07) (3.05) Effect of preferred equity (0.32) (0.31) - - - Tangible common equity to tangible assets 9.18 % 9.45 % 9.71 % 9.92 % 9.92 %

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 22

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

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

Item 2.02	Results of Operations and Financial Condition.

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

Item 7.01	Regulation FD Disclosure.

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

Exhibit No.	Description

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

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

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

	UNITED COMMUNITY BANKS, INC.

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

Date: April 21, 2026

Item 9.01	Financial Statements and Exhibits.

(d) Exhibits

	2026			2025												First Quarter
	First Quarter			Fourth Quarter			Third Quarter			Second Quarter			First Quarter			2026 - 2025 Change
INCOME SUMMARY
Interest revenue	$	333,961		$	346,367		$	353,850		$	347,365		$	335,357
Interest expense		101,197			108,441			120,221			121,834			123,336
Net interest revenue		232,764			237,926			233,629			225,531			212,021			10	%
Noninterest income		43,746			40,462			43,219			34,708			35,656			23
Total revenue		276,510			278,388			276,848			260,239			247,677			12
Provision for credit losses		10,853			13,662			7,907			11,818			15,419			(30	)
Noninterest expense		157,302			152,048			150,868			147,919			141,099			11
Income before income tax expense		108,355			112,678			118,073			100,502			91,159			19
Income tax expense		24,066			26,223			26,579			21,769			19,746			22
Net income		84,289			86,455			91,494			78,733			71,413			18
Non-operating items		508			606			3,468			4,833			1,297
Income tax benefit of non-operating items		(113	)		(133	)		(751	)		(1,047	)		(281	)
Net income - operating ⁽¹⁾	$	84,684		$	86,928		$	94,211		$	82,519		$	72,429			17
Pre-tax pre-provision income ⁽⁵⁾	$	119,208		$	126,340		$	125,980		$	112,320		$	106,578			12
PERFORMANCE MEASURES
Per common share:
Diluted net income - GAAP	$	0.69		$	0.70		$	0.70		$	0.63		$	0.58			19
Diluted net income - operating ⁽¹⁾		0.70			0.71			0.75			0.66			0.59			19
Cash dividends declared		0.25			0.25			0.25			0.24			0.24			4
Book value		30.54			30.17			29.44			28.89			28.42			7
Tangible book value ⁽³⁾		22.56			22.24			21.59			21.00			20.58			10
Key performance ratios:
Return on common equity - GAAP ⁽²⁾⁽⁴⁾		9.35	%		9.48	%		9.20	%		8.45	%		7.89	%
Return on common equity - operating ^(1)(2)(4)		9.39			9.53			9.83			8.87			8.01
Return on tangible common equity - operating ^(1)(2)(3)(4)		13.05			13.31			13.56			12.34			11.21
Return on assets - GAAP ⁽⁴⁾		1.22			1.21			1.29			1.11			1.02
Return on assets - operating ⁽¹⁾⁽⁴⁾		1.22			1.22			1.33			1.16			1.04
Return on assets - pre-tax pre-provision, excluding non-operating items^(1)(4)(5)		1.73			1.78			1.83			1.66			1.55
Net interest margin (fully taxable equivalent) ⁽⁴⁾		3.65			3.62			3.58			3.50			3.36
Efficiency ratio - GAAP		56.66			54.40			54.30			56.69			56.74
Efficiency ratio - operating ⁽¹⁾		55.65			54.19			53.05			54.84			56.22
Equity to total assets		12.97			12.99			12.78			12.86			12.56
Tangible common equity to tangible assets ⁽³⁾		9.92			9.92			9.71			9.45			9.18
ASSET QUALITY
Nonperforming assets ("NPAs")	$	98,623		$	93,498		$	97,916		$	83,959		$	93,290			6
ACL, loans		208,396			210,429			215,791			216,500			211,974			(2	)
ACL, total		225,996			225,520			228,276			228,045			223,201			1
Net charge-offs		10,377			16,418			7,676			8,225			9,607			8
ACL, loans to loans		1.06	%		1.09	%		1.13	%		1.14	%		1.15	%
ACL, total to loans		1.15			1.16			1.19			1.21			1.21
Net charge-offs to average loans ⁽⁴⁾		0.22			0.34			0.16			0.18			0.21
NPAs to total assets		0.35			0.33			0.35			0.30			0.33
AT PERIOD END ($ in millions)
Loans	$	19,602		$	19,384		$	19,175		$	18,921		$	18,425			6
Investment securities		5,889			5,988			6,163			6,382			6,661			(12	)
Total assets		28,177			28,003			28,143			28,086			27,874			1
Deposits		24,025			23,798			24,021			23,963			23,762			1
Shareholders’ equity		3,655			3,639			3,597			3,613			3,501			4
Common shares outstanding (thousands)		119,684			120,598			121,553			121,431			119,514			—

	2026			2025								Linked			Year over
(in millions)	First Quarter			Fourth Quarter		Third Quarter		Second Quarter		First Quarter		Quarter Change			Year Change
LOANS BY CATEGORY
Owner occupied commercial RE	$	4,041		$	3,950	$	3,678	$	3,563	$	3,419	$	91		$	622
Income producing commercial RE		4,984			5,032		4,534		4,548		4,416		(48	)		568
Commercial & industrial		2,771			2,696		2,593		2,516		2,506		75			265
Commercial construction & land		1,072			998		1,734		1,752		1,681		74			(609	)
Equipment financing		1,897			1,848		1,808		1,778		1,723		49			174
Total commercial		14,765			14,524		14,347		14,157		13,745		241			1,020
Residential mortgage		3,122			3,157		3,198		3,210		3,218		(35	)		(96	)
Home equity		1,344			1,319		1,252		1,180		1,099		25			245
Residential construction & land		185			191		178		174		171		(6	)		14
Consumer		187			188		192		191		183		(1	)		4
Other		(1	)		5		8		9		9		(6	)		(10	)
Total loans	$	19,602		$	19,384	$	19,175	$	18,921	$	18,425	$	218		$	1,177

LOANS BY MARKET
Georgia	$	4,617		$	4,635	$	4,584	$	4,551	$	4,484	$	(18	)	$	133
South Carolina		3,037			2,971		2,926		2,872		2,821		66			216
North Carolina		2,722			2,712		2,676		2,626		2,666		10			56
Tennessee		1,895			1,913		1,902		1,881		1,880		(18	)		15
Florida		3,229			3,102		3,040		2,966		2,572		127			657
Alabama		1,049			1,050		1,054		1,016		1,009		(1	)		40
Commercial Banking Solutions		3,053			3,001		2,993		3,009		2,993		52			60
Total loans	$	19,602		$	19,384	$	19,175	$	18,921	$	18,425	$	218		$	1,177

(in thousands, except share and per share data)	March 31, 2026	December 31, 2025
ASSETS
Cash and due from banks	$ 177,025	$ 202,586
Interest-bearing deposits in banks	316,116	193,168
Cash and cash equivalents	493,141	395,754
Trading securities	103,384	—
Debt securities available-for-sale	3,574,546	3,750,863
Debt securities held-to-maturity (fair value $1,878,414 and $1,918,426, respectively)	2,211,523	2,237,356
Loans held for sale	41,357	39,381
Loans and leases held for investment	19,601,641	19,384,317
Less allowance for credit losses - loans and leases	(208,396)	(210,429)
Loans and leases, net	19,393,245	19,173,888
Premises and equipment, net	391,883	393,714
Bank-owned life insurance	365,492	364,184
Goodwill and other intangible assets, net	964,819	967,882
Other assets	637,192	679,532
Total assets	$ 28,176,582	$ 28,002,554
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand	$ 6,473,101	$ 6,252,252
NOW and interest-bearing demand	5,900,748	5,969,864
Money market	6,720,216	6,696,530
Savings	1,101,590	1,085,331
Time	3,664,706	3,619,189
Brokered	164,704	175,264
Total deposits	24,025,065	23,798,430
Short-term borrowings	—	85,000
Long-term debt	120,500	120,400
Accrued expense and other liabilities	376,351	360,038
Total liabilities	24,521,916	24,363,868
Shareholders' equity:
Common stock, $1 par value; 200,000,000 shares authorized, 119,684,031 and 120,598,266 shares issued and outstanding, respectively	119,684	120,598
Capital surplus	2,721,132	2,754,399
Retained earnings	968,188	914,261
Accumulated other comprehensive loss	(154,338)	(150,572)
Total shareholders' equity	3,654,666	3,638,686
Total liabilities and shareholders' equity	$ 28,176,582	$ 28,002,554

	Three Months Ended March 31,
(in thousands, except per share data)	2026		2025
Interest revenue:
Loans, including fees	$	286,599	$	274,056
Investment securities, including tax exempt of $1,646 and $1,678, respectively		45,344		58,850
Trading securities		785		—
Deposits in banks and short-term investments		1,233		2,451
Total interest revenue		333,961		335,357

Interest expense:
Deposits:
NOW and interest-bearing demand		28,129		37,390
Money market		40,709		49,541
Savings		480		624
Time		28,711		31,379
Deposits		98,029		118,934
Short-term borrowings		998		1,107
Federal Home Loan Bank advances		969		433
Long-term debt		1,201		2,862
Total interest expense		101,197		123,336
Net interest revenue		232,764		212,021

Noninterest income:
Service charges and fees		9,545		9,535
Mortgage loan gains and other related fees		8,029		6,122
Wealth management fees		4,629		4,465
Net gains from sales of other loans		1,893		1,396
Lending and loan servicing fees		3,971		4,165
Securities gains, net		133		6
Other		15,546		9,967
Total noninterest income		43,746		35,656
Total revenue		276,510		247,677

Provision for credit losses		10,853		15,419

Noninterest expense:
Salaries and employee benefits		101,249		84,267
Communications and equipment		14,102		13,699
Occupancy		11,725		10,929
Advertising and public relations		2,397		1,881
Postage, printing and supplies		2,757		2,561
Professional fees		5,576		5,931
Lending and loan servicing expense		2,582		1,987
Outside services - electronic banking		3,559		2,763
FDIC assessments and other regulatory charges		2,269		4,642
Amortization of intangibles		3,063		3,286
Merger-related and other charges		873		1,297
Other		7,150		7,856
Total noninterest expense		157,302		141,099
Income before income taxes		108,355		91,159
Income tax expense		24,066		19,746
Net income		84,289		71,413
Preferred stock dividends		—		1,573
Earnings allocated to participating securities		552		411
Net income available to common shareholders	$	83,737	$	69,429

Net income per common share:
Basic	$	0.69	$	0.58
Diluted		0.69		0.58
Weighted average common shares outstanding:
Basic		120,498		120,043
Diluted		120,723		120,201

	2026								2025
(dollars in thousands, fully taxable equivalent (FTE))	Average Balance			Interest		Average Rate			Average Balance			Interest		Average Rate
Assets:
Interest-earning assets:
Loans, net of unearned income (FTE) ⁽¹⁾⁽²⁾	$	19,403,795		$	286,629		5.99	%	$	18,213,501		$	273,930		6.10	%
AFS & HTM taxable securities ⁽³⁾		5,845,672			43,698		2.99			6,737,658			57,172		3.39
AFS & HTM tax-exempt securities (FTE) ⁽¹⁾⁽³⁾		346,420			2,202		2.54			356,712			2,245		2.52
Other interest-earning assets		389,637			2,540		2.64			400,592			3,001		3.04
Total interest-earning assets (FTE)		25,985,524			335,069		5.22			25,708,463			336,348		5.29

Noninterest-earning assets:
Allowance for credit losses		(212,867	)							(210,169	)
Cash and due from banks		200,085								219,540
Premises and equipment		393,853								396,443
Other assets ⁽³⁾		1,705,566								1,610,104
Total assets	$	28,072,161							$	27,724,381

Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand	$	5,853,104			28,129		1.95		$	6,134,004			37,390		2.47
Money market		6,826,707			40,709		2.42			6,583,963			49,541		3.05
Savings		1,089,856			480		0.18			1,096,308			624		0.23
Time		3,651,034			28,183		3.13			3,446,048			30,831		3.63
Brokered time deposits		60,279			528		3.55			50,447			548		4.41
Total interest-bearing deposits		17,480,980			98,029		2.27			17,310,770			118,934		2.79
Federal funds purchased and other borrowings		107,668			998		3.76			80,760			1,107		5.56
Federal Home Loan Bank advances		102,278			969		3.84			38,900			433		4.51
Long-term debt		120,450			1,201		4.04			254,220			2,862		4.57
Total borrowed funds		330,396			3,168		3.89			373,880			4,402		4.77
Total interest-bearing liabilities		17,811,376			101,197		2.30			17,684,650			123,336		2.83

Noninterest-bearing liabilities:
Noninterest-bearing deposits		6,265,370								6,194,217
Other liabilities		337,611								369,939
Total liabilities		24,414,357								24,248,806
Shareholders' equity		3,657,804								3,475,575
Total liabilities and shareholders' equity	$	28,072,161							$	27,724,381

Net interest revenue (FTE)				$	233,872							$	213,012
Net interest-rate spread (FTE)							2.92	%							2.46	%
Net interest margin (FTE) ⁽⁴⁾							3.65	%							3.36	%

	⁽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 $1.11 million and $991,000, respectively, for the three months ended March 31, 2026 and 2025. The tax rate used to calculate the adjustment was 25%, reflecting the statutory federal income tax rate and the federal tax adjusted state income tax rate.
	⁽²⁾	Included in the average balance of loans outstanding are loans on which the accrual of interest has been discontinued and loans that are held for sale.
	⁽³⁾	Unrealized gains and losses on AFS securities, including those related to the transfer from AFS to HTM, have been reclassified to other assets. Pretax unrealized losses of $176 million in 2026 and $269 million in 2025 are included in other assets for purposes of this presentation.
	⁽⁴⁾	Net interest margin is taxable equivalent net interest revenue divided by average interest-earning assets.

UNITED COMMUNITY BANKS, INC.
Non-GAAP Performance Measures Reconciliation
Selected Financial Information
*(in thousands, except per share data)*