Investor Presentaiton

Balance Sheet Strength - Liquidity and Capital Loans / Deposits % 82% ☐ 77% ☐ 70% 73% 70% 68% 66% 64% 2Q21 3Q21 4Q21 1Q22 --UCBI 2Q22 KRX Peer Median 3Q22 4Q22 ✓ Substantial balance sheet liquidity and above-peer capital ratios. ✓ $6.2 billion securities portfolio offers significant near- and medium-term cash flow opportunities ✓ Deposits funding 95% of total funding liabilities Tangible Common Equity / Tangible Assets % 8.7% 8.5% 8.1% 7.9% 7.7% 7.7% ㅁ 7.6% 6.8% Common Equity Tier 1 RBC %* 12.6% 12.6% ㅁ 12.5% 12.3% 12.1% 12.0% 11.9% 11.2% 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22* --UCBI KRX Peer Median --UCBI KRX Peer Median *4Q22 regulatory capital ratios are preliminary 12 U UNITED

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