Investor Presentaiton

Outstanding Deposit Franchise 4Q22 Total Deposits $19.9 billion Savings 8% 23% MMDA Time 9% 22% NOW 38% Cost of Deposits Trend DDA 0.31% 0.49% ✓ Favorable core deposit mix and deposit costs below peers ✓ Cost of deposits increased to 0.49%; up 30 bps from 3Q22 ✓ 4Q22 deposit beta of 21% ✓ 12.0% cumulative deposit beta since 4Q21 ✓ Historical 4Q15 - 2Q19 deposit beta equal to 24% ✓ Total deposits were down $444 million in 4Q22, or 9% annualized from 3Q22; up $1.6 billion or 9% from 4Q21 ✓ Customer deposits have increased over $300 million in 1Q23 as of March 10, 2023 0.19% 0.17% 0.14% ㅁ 0.09% 0.07% 0.08% 4Q20 1Q21 0.06% 0.06% 2Q21 3Q21 4Q21 1Q22 2Q22 3Q22 4Q22 --UCBI KRX Peer Median Note: Core transaction accounts include demand deposits, interest-bearing demand, money market and savings accounts, excluding public funds deposits 9 U UNITED

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