Investor Presentaiton

United Community Banks, Inc. Committed to Service Since 1950 COLUMBIA BRMINGHAM AL MONTGOMERY TALLAHASSEE JACKSONVILLE UCBI Banking Offices CHARLOTTE Regional Full Service Branch Network National Navitas and SBA Markets Company Overview $24.0 BILLION IN TOTAL ASSETS $15.3 BILLION IN TOTAL LOANS $4.3 BILLION IN AUA $19.9 BILLION IN TOTAL DEPOSITS 12.8% TIER 1 1 RBC 100 BEST BANKS IN AMERICA in 2022 for the ninth consecutive year - Forbes Premier Southeast Regional Bank ✓ Metro-focused branch network with locations in the fastest-growing MSAs in the Southeast ✓ 198 branches, 8 LPOs, and 6 MLOs across six Southeast states ✓ Top 10 market share in GA and SC ✓ Proven ability to integrate - 13 acquisitions completed over the past 10 years Extended Navitas and SBA Markets Offered nationwide SBA business has both in-footprint and national business (4 specific verticals) Navitas subsidiary is a technology-enabled small-ticket, essential-use commercial equipment finance provider Note: See glossary located at the end of this presentation for reference on certain acronyms $0.22 QUARTERLY DIVIDEND - UP 10% YOY 206 BANKING OFFICES ACROSS THE SOUTHEAST #1 IN CUSTOMER SATISFACTION in 2022 with Retail Banking in the Southeast - J.D. Power #2 Highest Net Promoter Score among all banks nationwide in 2021 J.D. Power TOP 10 WORLD'S BEST BANKS and #3 in the United States - Forbes BEST BANKS TO WORK FOR in 2022 for the sixth consecutive year - American Banker 4

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