Investor Presentaiton

Capital Ratios 1Q21 KRX Peer UCBI Holding Company 1Q20 4Q20 1Q21 2Q21* Median vs. KRX Common Equity Tier 1 Capital 12.9 % 12.3 % 12.3 % 12.0 % + 0.3 % 12.6 % Tier 1 Risk-Based Capital 13.1 13.1 13.1 12.5 + 0.6 13.4 Total Risk-Based Capital 14.9 15.2 14.9 14.4 + 0.5 15.1 Leverage 10.4 9.3 9.4 9.0 + 0.4 9.3 Tangible Common Equity to Tangible Assets 10.2 8.8 8.6 8.3 + 0.3 8.7 ✓ Quarterly dividend of $0.19 per share ✓ Repurchased a total of 150,000 shares at an average price of $33.98 for a total of $5.1 million repurchased ✓ Capital levels expect to remain at peer levels pro forma for announced transactions *2Q21 regulatory capital ratios are preliminary 12 U UNITED

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