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Investor Presentaiton

UCBI Focused on High-Growth MSAs in Southeast Located in Most of the Top 20 Markets in the Region High-Growth MSAs in the Southeast '21 '26 Proj. Median Household Projected Population Growth (2) 2021-2026 (%) 5.7% Fastest Growing Southeast MSAS (1) '21 - '26 Proj. Pop. Growth % Population 2.9% 1. Myrtle Beach, SC 8.49 518,050 $62,042 2. Cape Coral, FL 7.42 785,277 $68,827 3. Raleigh, NC 7.30 1,420,576 $91,380 4. Charleston, SC 7.30 823,428 $78,951 U United 5. Orlando, FL 7.09 2,685,903 $72,412 6. Lakeland, FL 6.98 738,482 $62,730 UNITED Community Bank Projected Household Income Growth (2) National Avg. 2021 2026 (%) 7. Naples, FL 6.96 393,750 $84,332 8. Spartanburg, SC 6.81 327,475 $66,443 11.4% 9. Sarasota, FL 6.79 855,242 $73,471 9.0% | 10. Charlotte, NC 6.61 2,696,789 $77,692 11. Wilmington, NC 6.57 304,661 $60,070 12. Jacksonville, FL 6.17 1,602,120 $73,563 13. Port St. Lucie, FL 6.10 495,076 $68,635 U United 14. Greenville, SC 6.08 937,813 $68,413 15. Tampa, FL 6.06 3,257,479 $67,300 UNITED Community Bank Median Household Income (2) National Avg. ($ in thousands) 16. Durham-Chapel Hill, NC 5.93 655,218 $74,713 $67.8 17. Nashville, TN 5.91 1,980,990 $80,404 $62.1 18. Fayetteville, AR 5.88 550,113 $71,570 19. Daytona Beach, FL 5.81 678,826 $65,579 20. Atlanta, GA 5.73 6,137,994 $85,730 United MSA Presence U United UNITED Community Bank. National Avg. Pending acquisitions (1) Includes MSAs with a population of greater than 300,000 (2) Data by MSA shown on a weighted average basis by deposits 8 U UNITED
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