Investor Presentaiton
UCBI
Market
% of
UCBI
'22 Total
Proj. Pop.
Rank (3) Deposits (3) Growth %
Proj. HHI.
Growth %
Deposits
($M)
Footprint Focused on High-Growth MSAs in Southeast
Fastest Growing
Major Southeast
MSAS (1)
'22-'27
'22-'27
UCBI
'22-'27
'22-'27
'22 Total
Deposits
($M)
Fastest Growing Mid-
Size Southeast MSAs
(2)
Market
Rank (3)
UCBI
(%) of Total
Deposits (3)
Proj. Pop.
Growth %
1) Nashville, TN
10
9.48%
6.10%
13.89%
1) Daphne, AL
25
0.00%
7.80%
Proj. HHI.
Growth %
8.43%
6,472
89,155
2) Huntsville, AL
7
3.06%
7.14%
12.58% 11,473
2) Orlando, FL
13
4.13%
5.64%
13.81%
73,009
3) Myrtle Beach, SC
13
1.86%
6.42%
12.41% 12,128
4) Cape Coral, FL
6.08%
12.09% 20,858
3) Atlanta, GA
9
20.38%
5.38%
11.85%
235,389
5) Winter Haven, FL
5.80%
9.68%
10,057
6) Naples, FL
29
0.05%
5.71%
13.34%
23,081
4) Raleigh, NC
12
3.44%
5.14%
12.32%
38,965
7) Gainesville, GA
4
2.89%
5.65%
17.85%
5,801
5) Jacksonville, FL
21
0.38%
4.82%
8) Sarasota, FL
29
0.35%
5.56%
13.91%
15.84% 28,517
97,625
6) Tampa, FL
37
0.40%
4.79%
12.06% 115,930
9) Destin, FL
10) Clarksville, TN-KY
11) Fayetteville, AR
15
0.69%
5.34%
12.21%
7,826
7
1.95%
5.26%
9.60%
5,304
--
5.18%
8.73%
15,690
7) Charlotte, NC
13
2.86%
4.47%
12.74% 315,760
12) Charleston, SC
13) Hilton Head, SC
14
1.15%
5.09%
15.11%
20,394
15
0.21%
5.08%
13.36%
6,181
8) Richmond, VA
--
--
4.46%
10.22% 127,383
14) Port St. Lucie, FL
15
0.11%
4.98%
14.54% 12,332
9) Birmingham, AL
21
1.15%
4.25%
10.99%
54,793
15) Tuscaloosa, AL
25
0.00%
4.85%
10.56%
5,299
16) Athens, GA
9
1.05%
4.76%
11.34%
6,049
10) Washington DC
4.05%
8.89%
358,351
17) Knoxville, TN
10
2.83%
4.70%
10.92% 23,854
18) Daytona Beach, FL
4.67% 13.62% 14,104
11) Miami, FL
51
1.48%
3.97%
13.84% 324,607
19) Savannah, GA
8
1.09%
20) Spartanburg, SC
7
1.22%
4.57%
4.47%
8.56%
12.48%
9,313
6,019
United MSA Presence ☐ Progress MSA Presence
Projected Population Growth (2) (2022-2027)
4.9%
3.2%
Projected Household Income Growth (2) (2022-2027)
11.9%
12.1%
U United
UNITED Community Bank.
National
Avg.
U United
UNITED Community Bank
National
Avg.
(1) Includes MSAs with a population of greater than 1,000,000
(2) Includes MSAs with a population between 200,000 and 1,000,000
(3) Market Rank and (%) of Total Deposits pro forma for pending acquisition of Progress Financial Corporation
8
U
UNITEDView entire presentation