Investor Presentaiton

Long-Term Financial Performance & Shareholder Return 1.51% 1.40% 1.46% 1.35% 1.07% 1.04% (1)(2) ROA 1.42% 1.34% 1.35% 15.69% 15.81% 1.37% 1.17% 1.32% 1.33% 0.89% 1.08% 다 11.60% 11.89% 12.24% (1)(2) ROTCE 17.33% 15.60% 15.20% 14.20% ㅁ 11.00% 13.14% 11.02% 10.86% 0.78% 9.25% 9.31% 6.80% 2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22 2018 2019 2020 2021 1Q22 2Q22 3Q22 4Q22 ―UCBI - GAAP - UCBI - Operating KRX Peer Median --UCBI - GAAP ROE - UCBI - Operating KRX Peer Median Total Shareholder Return $ Performance for the period ended January 13, 2023 United Community Banks, Inc. KBW Nasdaq Regional Bank Index (KRX) 1-YEAR -7% -13% 3-YEAR 28% 16% 5-YEAR 29% 12% 10-YEAR 328% 142% $427 UCBI Outperformance 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 (1) See non-GAAP reconciliation table slides in the Appendix for a reconciliation of operating performance measures to GAAP performance (2) UCBI 1Q22 includes the impact of the $18.3 million initial provision to establish the reserve for Reliant loans and unfunded commitments, which reduced ROA - Operating by 24 bps and reduced ROTCE - Operating by 289 bps $243 6 U UNITED

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