Investor Presentaiton
United Community Banks, Inc.
Committed to Service Since 1950
NASHVILLE
BIRMINGHAM
AL
MONTGOMERY
TALLAHASSEE
JACKSONVILLE
TAM
Banking Offices
COLLIMENIA
CHARLOTTE
MIAMI
Regional Full Service Branch Network
National Navitas and SBA Markets
Company Overview
$18.9
BILLION IN
TOTAL ASSETS
$11.4
BILLION IN
TOTAL LOANS
$4.5*
BILLION IN AUA
$16.3
BILLION IN
TOTAL DEPOSITS
13.4%
TIER 1 RBC
100 BEST BANKS IN
AMERICA
in 2021 for the eighth
consecutive year - Forbes
Premier Southeast Regional Bank
Metro-focused branch network with locations in the fastest growing MSAs in the Southeast
153 branches, 9 LPOs, and 4 mortgage loan offices across six Southeast states
✓ Top 10 market share in GA and SC
✓ Proven ability to integrate bank transactions - 8 transactions completed over the past 10 years
✓ Closed the FinTrust acquisition July 6, adding $2.1 billion in AUA with locations in Greenville,
Anderson, Athens and Macon
Extended Navitas and SBA Markets
✓ Offered in 48 states across the continental U.S.
✓ SBA business has both in-footprint and national business (4 specific verticals)
Navitas subsidiary is a small ticket, essential use commercial equipment finance provider
Note: See glossary located at the end of this presentation for reference on certain acronyms
*Pro forma for FinTrust close on July 6, 2021
$0.19
QUARTERLY DIVIDEND -
UP 6% YOY
162
BANKING OFFICES
ACROSS THE
SOUTHEAST
#1 IN CUSTOMER
SATISFACTION
in 2021 with Retail Banking
in the Southeast - J.D.
Power
#2 Highest Net
Promoter Score
among all banks nationwide
J.D. Power
2020 TOP
WORKPLACES
in S.C. & Atlanta - Greenville
Business Magazine & Atlanta
Journal Constitution
BEST BANKS TO
WORK FOR
in 2020 for the fourth
consecutive year
American Banker
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