United Community Banks posts $140M Q3 net loss

The quarter included a $366 million pre-tax securities-sale loss, alongside higher net interest revenue than a year earlier.

Available on EDGAR 11/04/2026 - 04:58 PM EST Accepted by SEC EDGAR 11/04/2026 - 04:57 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

United Community Banks, Inc. (UCB) reported a third-quarter net loss of $139.745 million, compared with net income of $91.494 million a year earlier. Net interest revenue was $251.206 million, up from $233.629 million. The quarter included a $366 million pre-tax loss on sales of lower-yielding securities during a September portfolio repositioning.

UCB reclassified all held-to-maturity debt securities to available-for-sale, transferring securities with an amortized cost of $2.16 billion, then sold approximately $2.47 billion of selected available-for-sale securities. UCB said the repositioning was designed to reduce interest-rate risk, fund organic loan growth and increase investment portfolio yield. On September 1, UCB completed the sale of its Navitas equipment-finance subsidiary for $2.03 billion in cash consideration, recording a $62.2 million pre-tax gain. At September 30, $7.50 million of the sale consideration was recorded as a receivable.

On August 1, UCB acquired Peach State for total consideration of $103 million. Peach State operated two banking locations in Hall County, Georgia.

1 point · 0 major

NegativeiHow this balance works

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Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.

It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.

Rhea-AI Sentiment measures something else, the tone of the wording.

How the balance worksHow Sentiment works

1 major · 1 point

How the balance works

Positive

• Moderate pointNet interest revenue was $251.206 million, compared with $233.629 million a year earlier.

Negative

• Major pointQuarterly net loss was $139.745 million, versus $91.494 million of income a year earlier.

Filing Explained

At September 30, United's outstanding shares were below year-end levels despite 1,346,821 shares issued in the Peach State deal.

United Community Banks reports that it completed the Peach State acquisition on August 1, 2026, issuing 1,346,821 common shares as part of the consideration.

Issuing additional shares increases the share count and reduces existing holders’ percentage ownership, absent offsetting changes.

At September 30, United reported 119,827,028 shares outstanding, versus 120,598,266 at December 31, and reported purchases of 2,485,502 shares during the nine months; the reported ending count was lower.

Key Figures

Third-quarter net loss: $139.745 million Net income: $91.494 million Net interest revenue: $251.206 million +4 more

7 metrics

Third-quarter net loss $139.745 million Three months ended September 30, 2026

Net income $91.494 million Three months ended September 30, 2025

Net interest revenue $251.206 million Three months ended September 30, 2026; $233.629 million in the prior-year quarter

Pre-tax securities-sale loss $366 million September 2026 investment portfolio repositioning

Navitas sale consideration $2.03 billion Total cash consideration; sale completed September 1, 2026

Pre-tax gain on Navitas sale $62.2 million Sale completed September 1, 2026

Peach State acquisition consideration $103 million Total consideration; acquisition completed August 1, 2026

Key Terms

held-to-maturity, available-for-sale, allowance for credit losses, purchased credit deteriorated, +1 more

5 terms

held-to-maturity financial

"Debt securities held-to-maturity"

A held-to-maturity asset is a debt investment a company plans and is able to keep until the loan or bond reaches its scheduled end, when the principal is repaid. For investors, this classification matters because the holder treats the investment like a locked-in loan—avoiding short-term price swings in financial statements and signaling a steady income expectation, similar to lending money to a friend with a fixed repayment date.

available-for-sale financial

"Debt securities available-for-sale"

A classification for bonds, stocks or other investments that a company plans to keep but might sell before they reach full term. Think of it like items a shop keeps on a shelf for potential sale: their market value can go up or down while the company holds them, and those unrealized gains or losses are shown separately from operating profit until they are sold. Investors watch this because large swings can change a company’s reported net worth and signal how much flexibility it has to raise cash quickly.

allowance for credit losses financial

"Allowance for credit losses - loans and leases"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

purchased credit deteriorated financial

"classified as PCD loans"

Purchased credit deteriorated (PCD) describes a debt asset bought when its borrower’s ability to repay has already worsened since the loan was first issued. Under accounting rules, buyers must immediately account for the full expected loss rather than spreading it out, so PCD holdings lower reported earnings and capital right away and signal higher credit risk—similar to buying a used car with known damage that you must account for in your budget.

gross-up method financial

"In applying the gross-up method"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What was UCB's net income in the third quarter of 2026?

UCB reported a net loss of $139.745 million for the third quarter of 2026, compared with net income of $91.494 million in the third quarter of 2025. The quarter included a $366 million pre-tax loss on securities sales during the September portfolio repositioning.

How much did UCB receive for selling Navitas?

UCB completed the Navitas sale on September 1, 2026, for $2.03 billion in total cash consideration. It recorded a $62.2 million pre-tax gain. At September 30, $7.50 million of the sale consideration was recorded as a receivable.

What did Peach State shareholders receive from UCB?

Peach State shareholders received $103 million in total consideration: $54.8 million in cash and $47.9 million in UCB common stock, or 1,346,821 shares. UCB acquired all of Peach State's outstanding common stock on August 1, 2026.

Why did UCB reposition its investment securities portfolio?

UCB said the September 2026 repositioning was designed to reduce interest-rate risk, fund organic loan growth and increase the yield earned on its investment portfolio. It reclassified all held-to-maturity debt securities to available-for-sale and sold approximately $2.47 billion of certain lower-yielding available-for-sale securities.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

For the Quarterly Period Ended September 30, 2026

OR

☐

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the Transition Period from ___________ to ___________

Commission file number 001-35095

UNITED COMMUNITY BANKS, INC.

(Exact name of registrant as specified in its charter)

Georgia						58-1807304
(State of incorporation)						(I.R.S. Employer Identification No.)

200 East Camperdown Way
Greenville, South Carolina						29601
(Address of principal executive offices)						(Zip code)

(800) 822-2651

(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class			Trading Symbol(s)			Name of Each Exchange on Which Registered
Common stock, par value $1 per share			UCB			New York Stock Exchange

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Date File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer

☒

Accelerated filer

☐

Non-accelerated filer

☐

Smaller reporting company

☐

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ☐ No ☒

There were 119,593,464 shares of the registrant’s common stock, par value $1 per share, outstanding as of October 31, 2026.

UNITED COMMUNITY BANKS, INC.

FORM 10-Q

INDEX

						Glossary of Defined Terms			3
						Cautionary Note Regarding Forward-looking Statements			4
PART I - Financial Information
			Item 1.			Financial Statements
						Consolidated Balance Sheets (unaudited)			5
						Consolidated Statements of Income (unaudited)			6
						Consolidated Statements of Comprehensive Income (unaudited)			7
						Consolidated Statements of Changes in Shareholders’ Equity (unaudited)			8
						Consolidated Statements of Cash Flows (unaudited)			9
						Notes to Consolidated Financial Statements			10
			Item 2.			Management’s Discussion and Analysis of Financial Condition and Results of Operations			35
			Item 3.			Quantitative and Qualitative Disclosures About Market Risk			54
			Item 4.			Controls and Procedures			55
PART II - Other Information
			Item 1A.			Risk Factors			56
			Item 5.			Other Information.			56
			Item 6.			Exhibits			57

2

Glossary of Defined Terms

The following terms may be used throughout this report, including the consolidated financial statements and related notes.

Term						Definition
2025 10-K						United’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the SEC on February 17, 2026
ACL						Allowance for credit losses
AFS						Available-for-sale
ALCO						Asset/Liability Management Committee
ANB						ANB Holdings, Inc. and its wholly-owned subsidiary, American National Bank
AOCI						Accumulated other comprehensive income (loss)
Bank						United Community Bank
Board						United Community Banks, Inc., Board of Directors
BOLI						Bank-owned life insurance
CECL						Current expected credit losses
CET1						Common equity tier 1
CME						Chicago Mercantile Exchange
CRE						Commercial real estate
Company						United Community Banks, Inc. (interchangeable with "United" below)
DTA						Deferred tax asset
DTL						Deferred tax liability
FDIC						Federal Deposit Insurance Corporation
FDM						Modification made to borrowers experiencing financial difficulty
Federal Reserve						Federal Reserve Bank
FHLB						Federal Home Loan Bank
FTE						Fully taxable equivalent
GAAP						Accounting principles generally accepted in the United States of America
GSE						U.S. government-sponsored enterprise
Holding Company						United Community Banks, Inc. on an unconsolidated basis
HTM						Held-to-maturity
MD&A						Management's Discussion and Analysis of Financial Condition and Results of Operations
MBS						Mortgage-backed securities
Navitas						Navitas Credit Corp. and NLFC Reinsurance Corp.
NOW						Negotiable order of withdrawal
NPA						Nonperforming asset
OCI						Other comprehensive income (loss)
OREO						Other real estate owned
PCD						Purchased credit deteriorated
PSL						Purchased seasoned loans
Peach State						Peach State Bancshares, Inc. and its wholly owned-subsidiary, Peach State Bank & Trust
Report						Quarterly Report on Form 10-Q for the quarterly period ending September 30, 2026
SBA						United States Small Business Administration
SEC						United States Securities and Exchange Commission
United						United Community Banks, Inc. and its direct and indirect subsidiaries
USDA						United States Department of Agriculture

3

Cautionary Note Regarding Forward-looking Statements

This Report contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are neither statements of historical or current fact nor are they assurances of future performance and generally can be identified by the use of forward-looking terminology such as “believes”, “expects”, “may”, “will”, “could”, “should”, “projects”, “plans”, “goal”, “targets”, “potential”, “estimates”, “pro forma”, “seeks”, “intends”, or “anticipates”, or similar expressions. Forward-looking statements include discussions of strategy, financial projections, guidance and estimates (including their underlying assumptions), statements regarding plans, objectives, expectations or consequences of various transactions (including those with respect to the effects of the Peach State acquisition, the sale of our equipment financing subsidiary, Navitas and the investment securities portfolio repositioning transaction) or events, and statements about our future performance, operations, products and services, and should be viewed with caution.

Because forward-looking statements relate to the future, they are subject to known and unknown risks, uncertainties, assumptions, and changes in circumstances, many of which are beyond our control, and that are difficult to predict as to timing, extent, likelihood and degree of occurrence, and that could cause actual results to differ materially from the results implied or anticipated by the statements. Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward-looking statements include, but are not limited to the following:

•negative economic and political conditions that adversely affect the general economy, the banking sector, housing prices, the real estate market, the job market, consumer confidence, the financial condition of our borrowers and consumer spending habits, which may affect, among other things, the levels of NPAs, charge-offs and provision expense;

•changes in loan underwriting, credit review or loss policies associated with economic conditions, examination conclusions or regulatory developments;

•the potential effects of pandemics or public health conditions on the economic and business environments in which we operate, including the impact of actions taken by governmental authorities to address these conditions;

•strategic, market, operational, liquidity and interest rate risks associated with our business;

•potential fluctuations or unanticipated changes in the interest rate environment, including interest rate changes made by the Federal Reserve, replacement or reform of other interest rate benchmarks, as well as cash flow reassessments may reduce net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets;

•any unanticipated or greater than anticipated adverse conditions in the national or local economies in which we operate;

•our loan concentration in industries or sectors that may experience unanticipated or greater than anticipated adverse conditions than other industries or sectors in the national or local economies in which we operate;

•the risks of expansion into new geographic or product markets;

•risks with respect to our ability to identify and complete future mergers or acquisitions as well as our ability to successfully expand and integrate those businesses and operations that we acquire;

•the risk that the cost savings, any revenue synergies and expected market effects from the Peach State merger may not be realized or take longer than anticipated to be realized or that the costs, fees, expenses and charges related to the merger may be greater than anticipated;

•disruption from the Peach State merger of customer, supplier, employee or other business partner relationships of United or Peach State;

•our ability to attract and retain key employees;

•competition from financial institutions and other financial service providers including non-bank financial technology providers and our ability to attract customers from other financial institutions;

•losses due to fraudulent and negligent conduct of our customers, third-party service providers or employees;

•cybersecurity risks and the vulnerability of our network and online banking portals, and the systems or parties with whom we contract, to unauthorized access, computer viruses, phishing schemes, spam attacks, human error, natural disasters, power loss and other security breaches that could adversely affect our business and financial performance or reputation;

•our reliance on third parties to provide key components of our business infrastructure and services required to operate our business;

•the risk that we may be required to make substantial expenditures to keep pace with regulatory initiatives and the rapid technological changes in the financial services market; including those accelerated by the use of artificial intelligence and machine learning;

•the availability of and access to capital, particularly if there were to be increased capital requirements or enhanced regulatory supervision;

•legislative, regulatory or accounting changes that may adversely affect us;

•the risk that positions taken on federal or state income tax returns could be challenged by various taxing authorities and may not be upheld through an appeal process, and our earnings and capital could be affected;

•volatility in the ACL resulting from the CECL methodology, either alone or as that may be affected by conditions affecting our business;

•adverse results (including judgments, costs, fines, reputational harm, inability to obtain necessary approvals and/or other negative effects) from current or future legislation, litigation, regulatory proceedings, examinations, investigations, or similar matters, or developments related thereto;

•government shutdowns, the effect of which could delay legislative activities or regulatory approval processes that could be harmful to our customers, business activities and strategic initiatives;

•any matter that would cause us to conclude that there was impairment of any asset, including intangible assets, such as goodwill;

•limitations on our ability to declare and pay dividends and other distributions from the Bank to the Holding Company, which could affect Holding Company liquidity, including its ability to pay dividends to shareholders or take other capital actions;

•the potential effects of events beyond our control that may have a destabilizing effect on financial markets and the economy, such as inflation or recession, terrorist activities, wars and other foreign conflicts, climate change and weather related events, disruptions in our customers’ supply chains, disruptions in transportation, essential utility outages or trade disputes and tariffs including threats thereof, either imposed by the U.S. or other trading partners in retaliation to U.S. tariffs; and

•other risks and uncertainties disclosed in documents filed or furnished by us with or to the SEC, any of which could cause actual results to differ materially from future results expressed, implied or otherwise anticipated by such forward-looking statements.

We caution readers that the foregoing list of factors is not exclusive, is not necessarily in order of importance and readers should not place undue reliance on forward-looking statements. Additional factors that may cause actual results to differ materially from those contemplated by any forward-looking statements also may be found in Item 1A, Risk Factors of our 2025 10-K and in Part II, Item 1A, “Risk Factors” of this Report. We do not intend to and, except as required by law, hereby disclaim any obligation to update or revise any forward-looking statement contained in this Report, which speaks only as of the date of its filing with the SEC, whether as a result of new information, future events, or otherwise.

4

Part I. FINANCIAL INFORMATION

Item 1. Financial Statements

UNITED COMMUNITY BANKS, INC.

Consolidated Balance Sheets (Unaudited)

(in thousands, except share data)						September 30, 2026						December 31, 2025
ASSETS
Cash and due from banks						$	125,069					$	202,586
Interest-bearing deposits in banks						656,536						193,168
Cash and cash equivalents						781,605						395,754
Trading securities						93,760						—
Debt securities available-for-sale						6,546,796						3,750,863
Debt securities held-to-maturity (fair value $1,918,426 at December 31, 2025)						—						2,237,356
Mortgage loans held for sale						34,493						39,381
Loans and leases held for investment						18,988,195						19,384,317
Less allowance for credit losses - loans and leases						(179,143)						(210,429)
Loans and leases, net						18,809,052						19,173,888
Premises and equipment, net						409,533						393,714
Bank-owned life insurance						376,000						364,184
Goodwill and other intangible assets, net						1,026,915						967,882
Other assets (including $134,176 and $107,583 at fair value, respectively)						803,883						679,532
Total assets						$	28,882,037					$	28,002,554
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand						$	6,751,068					$	6,252,252
Interest-bearing deposits						18,136,789						17,546,178
Total deposits						24,887,857						23,798,430
Short-term borrowings						—						85,000
Long-term debt						39,686						120,400
Accrued expense and other liabilities (including $100,328 and $69,482 at fair value, respectively)						447,187						360,038
Total liabilities						25,374,730						24,363,868
Shareholders' equity:
Common stock, $1 par value: 200,000,000 shares authorized,   119,827,028 and 120,598,266 shares issued and outstanding, respectively						119,827						120,598
Capital surplus						2,724,987						2,754,399
Retained earnings						882,021						914,261
Accumulated other comprehensive loss						(219,528)						(150,572)
Total shareholders' equity						3,507,307						3,638,686
Total liabilities and shareholders' equity						$	28,882,037					$	28,002,554

See accompanying notes to consolidated financial statements (unaudited).

5

UNITED COMMUNITY BANKS, INC.

Consolidated Statements of Income (Unaudited)

									Three Months Ended September 30,												Nine Months Ended September 30,
			(in thousands, except per share data)						2026						2025						2026						2025
			Net interest revenue:
			Interest revenue:
			Loans, including fees						$	301,420					$	297,929					$	883,109					$	860,269
			Securities:
			Taxable						52,839						51,522						141,969						162,885
			Tax-exempt						1,540						1,681						4,857						5,030
			Other						6,761						2,718						10,957						8,388
			Total interest revenue						362,560						353,850						1,040,892						1,036,572
			Interest expense:
			Deposits						103,598						118,475						299,730						356,545
			Short-term borrowings						2,546						25						5,097						1,215
			Federal Home Loan Bank advances						4,684						—						8,667						433
			Long-term debt						526						1,721						2,528						7,198
			Total interest expense						111,354						120,221						316,022						365,391
			Net interest revenue						251,206						233,629						724,870						671,181
			Noninterest income:
			Service charges and fees						11,640						11,400						31,560						31,057
			Mortgage loan gains and other related fees						10,714						7,098						25,523						18,590
			Wealth management fees						4,897						4,757						14,458						13,622
			Net gains from sales of other loans						63,222						2,385						66,062						5,776
			Lending and loan servicing fees						3,332						4,235						11,401						12,090
			Securities (losses) gains, net						(366,101)						49						(365,970)						341
			Other						9,124						13,295						35,920						32,107
			Total noninterest income						(263,172)						43,219						(181,046)						113,583
			Total revenue						(11,966)						276,848						543,824						784,764
			Provision for credit losses						10,013						7,907						(8,937)						35,144
			Noninterest expense:
			Salaries and employee benefits						96,443						90,667						293,934						261,931
			Communications and equipment						14,127						13,937						41,972						40,968
			Occupancy						11,184						11,502						34,141						33,366
			Advertising and public relations						2,485						2,053						7,590						6,815
			Postage, printing and supplies						2,515						2,735						8,016						7,791
			Professional fees						7,420						6,282						19,864						17,822
			Lending and loan servicing expense						2,231						2,428						7,918						6,745
			Outside services - electronic banking						3,849						3,543						10,963						9,876
			FDIC assessments and other regulatory charges						4,900						4,846						11,496						14,233
			Amortization of intangibles						3,348						3,313						9,349						9,891
			Merger-related and other charges						6,509						3,468						8,277						9,598
			Other						7,230						6,094						25,938						20,850
			Total noninterest expense						162,241						150,868						479,458						439,886
			(Loss) income before income taxes						(184,220)						118,073						73,303						309,734
			Income tax (benefit) expense						(44,475)						26,579						13,121						68,094
			Net (loss) income						$	(139,745)					$	91,494					$	60,182					$	241,640
			Net (loss) income available to common shareholders						$	(139,988)					$	86,139					$	59,543					$	232,290
			Net (loss) income per common share:
			Basic						$	(1.16)					$	0.71					$	0.49					$	1.92
			Diluted						(1.16)						0.70						0.49						1.91
			Weighted average common shares outstanding:
			Basic						120,456						122,116						120,419						121,186
			Diluted						120,456						122,252						120,654						121,303

See accompanying notes to consolidated financial statements (unaudited).

6

UNITED COMMUNITY BANKS, INC.

Consolidated Statements of Comprehensive Income (Unaudited)

						Three Months Ended September 30,																		Nine Months Ended September 30,
(in thousands)						Before-tax Amount						Tax (Expense) Benefit						Net of Tax Amount						Before-tax Amount						Tax (Expense) Benefit						Net of Tax Amount
2026
Net (loss) income						$	(184,220)					$	44,475					$	(139,745)					$	73,303					$	(13,121)					$	60,182
Other comprehensive loss:
Unrealized losses on available-for-sale securities:
Unrealized holding losses						(143,108)						35,718						(107,390)						(143,621)						35,528						(108,093)
Unrealized losses on held-to-maturity securities transferred to available-for-sale						(314,972)						78,558						(236,414)						(314,972)						78,558						(236,414)
Reclassification of unrealized losses on held-to-maturity securities previously transferred from available-for-sale						(46,978)						12,079						(34,899)						(46,978)						12,079						(34,899)
Reclassification adjustment for losses included in net income						366,101						(90,325)						275,776						365,970						(90,298)						275,672
Net unrealized losses on available-for-sale securities						(138,957)						36,030						(102,927)						(139,601)						35,867						(103,734)
Unrealized losses on held-to-maturity securities transferred from available-for-sale:
Amortization of unrealized losses						1,226						(306)						920						4,762						(1,353)						3,409
Reclassification of remaining unrealized losses to available-for-sale						46,978						(12,079)						34,899						46,978						(12,079)						34,899
Net activity						48,204						(12,385)						35,819						51,740						(13,432)						38,308
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives						550						(129)						421						1,516						(373)						1,143
Gains on derivative instruments realized in net income						(163)						40						(123)						(6,290)						1,588						(4,702)
Net cash flow hedge activity						387						(89)						298						(4,774)						1,215						(3,559)
Amortization of defined benefit pension plan net periodic pension cost components						13						(3)						10						39						(10)						29
Total other comprehensive loss						(90,353)						23,553						(66,800)						(92,596)						23,640						(68,956)
Comprehensive loss						$	(274,573)					$	68,028					$	(206,545)					$	(19,293)					$	10,519					$	(8,774)
2025
Net income						$	118,073					$	(26,579)					$	91,494					$	309,734					$	(68,094)					$	241,640
Other comprehensive income:
Unrealized gains on available-for-sale securities:
Unrealized holding gains						16,228						(3,742)						12,486						62,875						(14,671)						48,204
Reclassification adjustment for gains included in net income						(49)						13						(36)						(341)						83						(258)
Net unrealized gains on available-for-sale securities						16,179						(3,729)						12,450						62,534						(14,588)						47,946
Amortization of unrealized losses on held-to-maturity securities reclassified from available-for-sale						1,993						(471)						1,522						5,918						(1,400)						4,518
Derivative instruments designated as cash flow hedges:
Unrealized holding gain (losses) on derivatives						191						(49)						142						(1,195)						301						(894)
Gains on derivative instruments realized in net income						(1,143)						289						(854)						(3,393)						857						(2,536)
Net cash flow hedge activity						(952)						240						(712)						(4,588)						1,158						(3,430)
Amortization of defined benefit pension plan net periodic pension cost components						(17)						4						(13)						(51)						13						(38)
Total other comprehensive income						17,203						(3,956)						13,247						63,813						(14,817)						48,996
Comprehensive income						$	135,276					$	(30,535)					$	104,741					$	373,547					$	(82,911)					$	290,636

See accompanying notes to consolidated financial statements (unaudited).

7

UNITED COMMUNITY BANKS, INC.

Consolidated Statement of Changes in Shareholders’ Equity (Unaudited)

(in thousands, except share data)			Shares of Common Stock						Preferred Stock						Common Stock						Capital Surplus						Retained Earnings						Accumulated Other Comprehensive Income (Loss)						Total
Three Months Ended September 30,
Balance at June 30, 2025			121,431,262						$	88,266					$	121,431					$	2,777,807					$	802,590					$	(177,170)					$	3,612,924
Net income																											91,494												91,494
Other comprehensive income																																	13,247						13,247
Preferred stock dividends																											(1,573)												(1,573)
Common stock dividends ($0.25 per share)																											(30,841)												(30,841)
Redemption of preferred stock									(88,266)																		(3,275)												(91,541)
Impact of equity-based compensation awards			119,264												119						2,790																		2,909
Impact of other United sponsored equity plans			2,936												3						229																		232
Balance at September 30, 2025			121,553,462						$	—					$	121,553					$	2,780,826					$	858,395					$	(163,923)					$	3,596,851
Balance at June 30, 2026			119,763,827						$	—					$	119,764					$	2,724,530					$	1,053,438					$	(152,728)					$	3,745,004
Net loss																											(139,745)												(139,745)
Other comprehensive loss																																	(66,800)						(66,800)
Impact of acquisition			1,346,821												1,347						46,526																		47,873
Purchases of common stock			(1,395,100)												(1,395)						(49,035)																		(50,430)
Common stock dividends ($0.26 per share)																											(31,672)												(31,672)
Impact of equity-based compensation awards			106,237												106						2,775																		2,881
Impact of other United sponsored equity plans			5,243												5						191																		196
Balance at September 30, 2026			119,827,028						$	—					$	119,827					$	2,724,987					$	882,021					$	(219,528)					$	3,507,307
Nine Months Ended September 30,
Balance at December 31, 2024			119,364,110						$	88,266					$	119,364					$	2,723,278					$	714,138					$	(212,919)					$	3,432,127
Net income																											241,640												241,640
Other comprehensive income																																	48,996						48,996
Impact of acquisitions			2,380,952												2,381						63,357																		65,738
Redemption of preferred stock									(88,266)																		(3,275)												(91,541)
Purchases of common stock			(506,600)												(507)						(13,435)																		(13,942)
Preferred stock dividends																											(4,719)												(4,719)
Common stock dividends ($0.73 per share)																											(89,389)												(89,389)
Impact of equity-based compensation awards			261,486												262						7,317																		7,579
Impact of other United sponsored equity plans			53,514												53						309																		362
Balance at September 30, 2025			121,553,462						$	—					$	121,553					$	2,780,826					$	858,395					$	(163,923)					$	3,596,851
Balance at December 31, 2025			120,598,266						$	—					$	120,598					$	2,754,399					$	914,261					$	(150,572)					$	3,638,686
Net income																											60,182												60,182
Other comprehensive loss																																	(68,956)						(68,956)
Impact of acquisitions			1,346,821												1,347						46,526																		47,873
Purchases of common stock			(2,485,502)												(2,485)						(85,348)																		(87,833)
Common stock dividends ($0.76 per share)																											(92,422)												(92,422)
Impact of equity-based compensation awards			310,468												310						9,268																		9,578
Impact of other United sponsored equity plans			56,975												57						142																		199
Balance at September 30, 2026			119,827,028						$	—					$	119,827					$	2,724,987					$	882,021					$	(219,528)					$	3,507,307

See accompanying notes to consolidated financial statements (unaudited).

8

UNITED COMMUNITY BANKS, INC.

Consolidated Statements of Cash Flows (Unaudited)

						Nine Months Ended September 30,
(in thousands)						2026						2025
Operating activities:
Net income						$	60,182					$	241,640
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net						63,186						34,110
Provision for credit losses						(8,937)						35,144
Stock-based compensation						10,734						8,177
Deferred income tax (benefit) expense						(9,042)						2,120
Securities losses (gains), net						365,970						(341)
Net gains from sales of other loans						(66,062)						(5,776)
Changes in assets and liabilities:
Trading securities						(93,760)						—
Mortgage loans held for sale						4,888						22,732
Other assets						(49,155)						16,874
Accrued expense and other liabilities						92,879						(36,117)
Net cash provided by operating activities						370,883						318,563
Investing activities:
Debt securities held-to-maturity:
Proceeds from maturities and calls						83,021						97,734
Debt securities available-for-sale:
Proceeds from sales						2,270,423						417,898
Proceeds from maturities and calls						613,287						555,143
Purchases						(3,841,586)						(292,351)
Net increase in loans						(1,093,442)						(709,641)
Proceeds from sale of Navitas						1,993,113						—
Payments for other investments						(111,875)						(29,047)
Proceeds from other investments						89,832						7,684
Purchases of premises and equipment						(26,808)						(21,820)
Net cash (paid) received in acquisition						(15,642)						41,246
Other, net						8,626						16,734
Net cash (used in) provided by investing activities						(31,051)						83,580
Financing activities:
Net increase in deposits						410,883						185,069
Net decrease in short-term borrowings						(85,000)						(195,000)
Repayment of long-term debt						(100,000)						(100,000)
Proceeds from FHLB advances						3,280,000						126,000
Repayment of FHLB advances						(3,280,000)						(126,000)
Redemption of preferred stock						—						(91,541)
Repurchase of common stock						(87,093)						(13,942)
Cash dividends on common stock						(91,359)						(87,677)
Cash dividends on preferred stock						—						(4,719)
Other, net						(1,412)						(775)
Net cash provided by (used in) financing activities						46,019						(308,585)
Net change in cash and cash equivalents						385,851						93,558
Cash and cash equivalents, beginning of period						395,754						519,873
Cash and cash equivalents, end of period						$	781,605					$	613,431

See accompanying notes to consolidated financial statements (unaudited).

9

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Note 1 – Basis of Presentation

Basis of Presentation

United’s accounting and financial reporting policies conform to GAAP and reporting guidelines of banking regulatory authorities. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its 2025 10-K.

In management’s opinion, all necessary accounting adjustments have been made to fairly present the financial position and results of operations in the accompanying financial statements. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. The results for interim periods are not necessarily indicative of results for the full year or any other interim periods. The accompanying unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in United’s 2025 10-K.

Purchased Seasoned Loans and PCD Loans

Loans acquired in a business combination are recognized on the acquisition date at their estimated fair value. Acquired loans that have experienced more-than-insignificant deterioration in credit quality since origination are classified as PCD loans. United considers internal loan grades, delinquency status and other relevant factors in assessing whether purchased loans are PCD.

On January 1, 2026, United adopted ASU 2025-08 Financial Instruments - Credit Losses (Topic 326): Purchased Loans, which expanded the population of acquired financial assets subject to the gross-up approach in Topic 326 to include purchased seasoned loans without credit deterioration, which previously only applied to PCD loans. All non-PCD loans that are acquired in a business combination are deemed seasoned. In applying the gross-up method, an initial ACL is determined and recognized as an adjustment to the acquisition price of the asset; thus, the sum of the loan's purchase price and ACL becomes its initial amortized cost basis. The difference between the initial amortized cost basis and the par value of the loan is a noncredit discount or premium, which is amortized into interest income over the life of the loan. Subsequent to initial recognition, acquired loans are subject to the same interest income recognition and impairment model as other held for investment loans, with changes to the ACL recorded through provision expense.

Trading Securities

During the first quarter of 2026, United established a trading securities portfolio as part of a hedging strategy to mitigate the volatility in the fair value of the mortgage servicing rights asset. The trading securities portfolio consists of U.S. Treasuries that are carried at fair value on the consolidated balance sheets. The securities are classified as Level 1 assets in the fair value hierarchy. Changes in the fair value of the securities are recognized in the consolidated statements of income in other noninterest income. Interest income on trading securities is included in securities interest revenue in the consolidated statements of income.

Note 2 – Supplemental Cash Flow Information

The supplemental schedule of significant non-cash investing and financing activities for the nine months ended September 30, 2026 and 2025 is as follows.

						Nine Months Ended September 30,
(in thousands)						2026						2025
Significant non-cash investing and financing transactions:
Commitments to fund other investments						$	27,788					$	14,597
Amortized cost of HTM securities transferred to AFS securities						2,157,345						—
Acquisitions:
Assets acquired						806,135						446,504
Liabilities assumed						703,426						380,766
Net assets acquired						102,709						65,738
Common stock issued for net assets acquired						47,873						65,738

10

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Note 3 – Acquisitions and Divestitures

Sale of Navitas

On September 1, 2026, United completed the sale of Navitas, the Bank’s equipment finance subsidiary, for total cash consideration of $2.03 billion, which resulted in a $62.2 million pre-tax gain. As of September 30, 2026, $7.50 million of the sales consideration was recorded as a receivable included in other assets on the consolidated balance sheets. The sale was accounted for as an asset sale as substantially all of the fair value of the assets sold was concentrated in a single asset type, equipment financing receivables. The amortized cost of the equipment financing receivables sold was $1.95 billion. The remaining assets and liabilities subject to the sale were not material to the transaction.

In addition, in the second quarter of 2026, upon reclassification of the financing receivables to held for sale, the associated $38.5 million ACL for these loans and leases was released through the provision for credit losses.

Acquisition of Peach State

On August 1, 2026, United acquired all of the outstanding common stock of Peach State. Peach State, headquartered in Gainesville, Georgia operated two banking locations in Hall County, Georgia, facilitating United’s expansion within that market. United’s operating results for the three and nine months ended September 30, 2026, include the operating results of the acquired business for the period subsequent to the acquisition date of August 1, 2026.

Under the terms of the merger agreement, Peach State shareholders received $103 million in total consideration, of which $54.8 million was cash and $47.9 million, or 1,346,821 shares, was United common stock. The acquisition was accounted for as a business combination.

Peach State
			Fair Value Recorded by United (1)
			(in thousands)						August 1, 2026
			Assets
			Cash and cash equivalents						$	39,194
			Debt securities						152,676
			Loans held for investment						514,427
			Premises and equipment						13,277
			Bank-owned life insurance						8,687
			Core deposit intangible						16,260
			Other assets						9,492
			Total assets acquired						754,013
			Liabilities
			Deposits						678,479
			Long-term debt						18,963
			Other liabilities						5,984
			Total liabilities assumed						703,426
			Total identifiable net assets						50,587
			Consideration transferred
			Cash						54,836
			Common stock issued (1,346,821 shares)						47,873
			Total fair value of consideration transferred						102,709
			Goodwill						$	52,122

(1) Fair values are preliminary and are subject to refinement for a period not to exceed one year after the closing date of an acquisition as information relative to closing date fair values becomes available.

Goodwill represents the intangible value of Peach State’s business and reputation within the markets it served and is not expected to be deductible for income tax purposes. The Peach State core deposit intangible will be amortized over 10 years using the sum-of-the-years-digits method.

11

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

The following table presents additional information related to the acquired Peach State loan portfolio at the acquisition date.

			(in thousands)			August 1, 2026
			PCD Loans:
			Par value			$	25,119
			ACL at acquisition			(952)
			Non-credit discount			(1,362)
			Purchase price			$	22,805
			Non-PCD PSL Loans:
			Fair value			$	491,622
			Gross contractual amounts receivable			630,472
			Estimate of contractual cash flows not expected to be collected			(10,864)

Pro forma information

The following table discloses the impact of the August 1, 2026, Peach State acquisition on the 2026 financial results and the May 1, 2025 ANB acquisition on the 2025 financial results. The table also presents certain pro forma information as if Peach State had been acquired on January 1, 2025 and ANB had been acquired on January 1, 2024. These results combine the historical results of the acquired entity with United’s consolidated statement of income. Adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity; however, pro forma financial results presented are not necessarily indicative of what would have occurred had the acquisition taken place in an earlier year.

Peach State merger-related costs of $6.01 million and $6.16 million incurred respectively during the three and nine months ended September 30, 2026 have been excluded from the pro forma information for those periods presented below and included in the three and nine months ended September 30, 2025 pro forma information. ANB merger-related costs of $3.02 million and $12.1 million incurred respectively during the three and nine months ended September 30, 2025, have been excluded from the pro forma information from those periods presented below. The actual results and pro forma information were as follows:

						Three Months Ended September 30,												Nine Months Ended September 30,
(in thousands)						Revenue						Net Income						Revenue						Net Income
2026
Actual Peach State results included in statement of income since acquisition date						$	3,921					$	797					$	3,921					$	797
Supplemental consolidated pro forma as if Peach State had been acquired January 1, 2025						(8,023)						(137,801)						563,858						67,002
2025
Actual ANB results included in statement of income since acquisition date						$	4,365					$	2,208					$	6,655					$	1,182
Supplemental consolidated pro forma as if ANB had been acquired January 1, 2024 and Peach State had been acquired on January 1, 2025						297,224						95,173						810,910						248,753

12

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Note 4 – Investments

Investment Securities Portfolio Repositioning

During September 2026, United reclassified all HTM debt securities to AFS, which at the time of transfer had an amortized cost basis of $2.16 billion and a fair value of $1.80 billion. United then sold approximately $2.47 billion of certain lower-yielding AFS debt securities for a pre-tax loss of $366 million. The repositioning was designed to reduce interest rate risk exposure, fund organic loan growth, and increase the yield earned on the investment portfolio by replacing lower-yielding investment securities with higher-yielding assets.

AFS Debt Securities

The amortized cost basis, unrealized gains and losses, and fair value of AFS debt securities as of the dates indicated are presented below.

(in thousands)			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Fair Value
As of September 30, 2026
U.S. Treasuries			$	1,589,137					$	6					$	9,903					$	1,579,240
U.S. Government Agencies & GSEs			692,502						893						6,857						686,538
State and political subdivisions			174,611						9						36,426						138,194
Residential MBS, Agency & GSEs			1,885,449						2,439						103,057						1,784,831
Residential MBS, Non-Agency			170,326						—						10,900						159,426
Commercial MBS, Agency & GSEs			1,556,559						189						111,508						1,445,240
Commercial MBS, Non-Agency			6,861						—						152						6,709
Corporate bonds			84,614						63						2,373						82,304
Asset-backed securities			666,275						90						2,051						664,314
Total			$	6,826,334					$	3,689					$	283,227					$	6,546,796
As of December 31, 2025
U.S. Treasuries			$	496,402					$	1,106					$	3,753					$	493,755
U.S. Government Agencies & GSEs			308,096						129						9,875						298,350
State and political subdivisions			165,118						—						10,235						154,883
Residential MBS, Agency & GSEs			1,503,962						6,151						79,636						1,430,477
Residential MBS, Non-Agency			272,869						7						13,021						259,855
Commercial MBS, Agency & GSEs			704,318						4,896						24,897						684,317
Commercial MBS, Non-Agency			7,857						—						87						7,770
Corporate bonds			142,527						27						5,886						136,668
Asset-backed securities			285,435						294						941						284,788
Total			$	3,886,584					$	12,610					$	148,331					$	3,750,863

As of September 30, 2026 and December 31, 2025, the carrying value of pledged securities totaled $2.14 billion and $2.98 billion, respectively. Securities were pledged primarily to secure public deposits.

13

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

The following table summarizes the fair values and gross unrealized losses of AFS debt securities as of the dates indicated based on the length of time that individual securities have been in a continuous unrealized loss position.

			Length of Time in Unrealized Loss Position
			Less than 12 Months												12 Months or More												Total
(in thousands)			Fair Value						Unrealized Loss						Fair Value						Unrealized Loss						Fair Value						Unrealized Loss
As of September 30, 2026
U.S. Treasuries			$	1,447,952					$	6,748					$	106,282					$	3,155					$	1,554,234					$	9,903
U.S. Government Agencies & GSEs			89,594						65						149,181						6,792						238,775						6,857
State and political subdivisions			21,415						740						115,098						35,686						136,513						36,426
Residential MBS, Agency & GSEs			1,072,437						12,975						407,275						90,082						1,479,712						103,057
Residential MBS, Non-Agency			—						—						159,426						10,900						159,426						10,900
Commercial MBS, Agency & GSEs			864,481						4,316						495,652						107,192						1,360,133						111,508
Commercial MBS, Non-Agency			—						—						6,708						152						6,708						152
Corporate bonds			—						—						80,323						2,373						80,323						2,373
Asset-backed securities			532,533						1,628						60,772						423						593,305						2,051
Total			$	4,028,412					$	26,472					$	1,580,717					$	256,755					$	5,609,129					$	283,227
As of December 31, 2025
U.S. Treasuries			$	25,372					$	3					$	110,899					$	3,750					$	136,271					$	3,753
U.S. Government Agencies & GSEs			49,487						167						211,151						9,708						260,638						9,875
State and political subdivisions			25						1						153,857						10,234						153,882						10,235
Residential MBS, Agency & GSEs			60,042						61						841,090						79,575						901,132						79,636
Residential MBS, Non-Agency			11,458						39						247,997						12,982						259,455						13,021
Commercial MBS, Agency & GSEs			13,138						46						356,038						24,851						369,176						24,897
Commercial MBS, Non-Agency			—						—						7,770						87						7,770						87
Corporate bonds			—						—						134,731						5,886						134,731						5,886
Asset-backed securities			81,248						408						58,594						533						139,842						941
Total			$	240,770					$	725					$	2,122,127					$	147,606					$	2,362,897					$	148,331

At September 30, 2026, there were 544 AFS debt securities that were in an unrealized loss position. Unrealized losses at September 30, 2026, were primarily attributable to changes in interest rates and reflect the securities transferred from HTM during the quarter. As of September 30, 2026, United did not intend to sell nor did it believe it will be required to sell securities in an unrealized loss position prior to the recovery of their amortized cost basis. Based on the assessments performed at September 30, 2026 and December 31, 2025, there was no ACL required related to the AFS portfolio.

HTM Debt Securities

As of September 30, 2026, after the balance sheet repositioning, United did not hold any investment securities classified as HTM. The amortized cost basis, unrealized gains and losses and fair value of HTM debt securities as of December 31, 2025, are shown in the table below. As of December 31, 2025, HTM securities in an unrealized loss position had a fair value of $1.90 billion, all of which had been in an unrealized loss position for 12 months or more.

(in thousands)			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Fair Value
As of December 31, 2025
U.S. Treasuries			$	19,927					$	—					$	888					$	19,039
U.S. Government Agencies & GSEs			98,851						—						11,233						87,618
State and political subdivisions			282,807						42						41,784						241,065
Residential MBS, Agency & GSEs			1,182,098						15						164,860						1,017,253
Commercial MBS, Agency & GSEs			638,673						—						98,391						540,282
Supranational entities			15,000						—						1,831						13,169
Total			$	2,237,356					$	57					$	318,987					$	1,918,426

14

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

At December 31, 2025, the majority of HTM securities were considered to have a zero loss assumption for ACL purposes. For the remaining HTM securities, primarily those issued by state and political subdivisions, calculated credit losses, and, thus, the related ACL were de minimis due to the high credit quality of the portfolio. As a result, no ACL was recorded on the HTM portfolio at December 31, 2025.

Contractual Maturities of AFS Debt Securities

The amortized cost and fair value of AFS debt securities at September 30, 2026, by contractual maturity, are presented in the following table.

						AFS
			(in thousands)			Amortized Cost						Fair Value
			Within 1 year:
			U.S. Treasuries			$	482,058					$	479,327
			U.S. Government Agencies & GSEs			16,893						16,693
			State and political subdivisions			12,405						12,330
			Corporate bonds			40,818						40,304
						552,174						548,654
			1 to 5 years:
			U.S. Treasuries			1,107,079						1,099,913
			U.S. Government Agencies & GSEs			1,290						1,275
			State and political subdivisions			23,818						22,718
			Corporate bonds			35,296						34,090
						1,167,483						1,157,996
			5 to 10 years:
			U.S. Government Agencies & GSEs			539,156						534,576
			State and political subdivisions			50,966						42,122
			Corporate bonds			8,500						7,910
						598,622						584,608
			More than 10 years:
			U.S. Government Agencies & GSEs			135,163						133,994
			State and political subdivisions			87,422						61,024
						222,585						195,018
			Debt securities not due at a single maturity date:
			Asset-backed securities			666,275						664,314
			Residential MBS			2,055,775						1,944,257
			Commercial MBS			1,563,420						1,451,949
						4,285,470						4,060,520
			Total			$	6,826,334					$	6,546,796

Expected maturities may differ from contractual maturities because issuers and borrowers may have the right to call or prepay obligations.

Securities Sales

Realized gains and losses are derived using the specific identification method for determining the cost of securities sold. The following table summarizes AFS securities sales activity for the three and nine months ended September 30, 2026 and 2025.

						Three Months Ended September 30,												Nine Months Ended September 30,
			(in thousands)			2026						2025						2026						2025
			Proceeds from sales			$	2,245,028					$	158,989					$	2,270,423					$	417,898
			Gross realized gains			$	—					$	439					$	193					$	960
			Gross realized losses			(366,101)						(390)						(366,163)						(619)
			Securities (losses) gains, net			$	(366,101)					$	49					$	(365,970)					$	341
			Income tax (benefit) expense attributable to sales			$	(90,325)					$	13					$	(90,298)					$	83

15

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

In addition, during the first nine months of 2026, United recognized $6.87 million in net losses on trading securities, of which $4.66 million related to trading securities held at September 30, 2026.

Accrued Interest Receivable

The following table presents accrued interest receivable on HTM and AFS debt securities, which was excluded from the estimate of credit losses, for the periods indicated.

						Accrued Interest Receivable
			(in thousands)			September 30, 2026						December 31, 2025
			HTM			$	—					$	5,486
			AFS			33,046						16,413

Equity Investments

The table below reflects the carrying value of certain equity investments, which are included in other assets on the consolidated balance sheet, as of the dates indicated.

			(in thousands)			September 30, 2026						December 31, 2025
			Federal Reserve stock			$	93,549					$	89,979
			FHLB stock			18,000						18,049
			Equity securities with readily determinable fair values			—						2,481

Note 5 – Loans and Leases and Allowance for Credit Losses

Major classifications of the loan and lease portfolio (collectively referred to as the “loan portfolio” or “loans”) are summarized as of the dates indicated as follows. The disclosures included in this footnote reflect the sale of substantially all equipment financing loans and leases during the third quarter of 2026 (see Note 3 for additional details). Equipment financing loans retained by United of $31.1 million and the corresponding ACL were reclassified to the commercial & industrial loan category in the following disclosures, as equipment financing is no longer an individually significant loan category at September 30, 2026.

			(in thousands)			September 30, 2026						December 31, 2025
			Owner occupied CRE			$	4,336,019					$	3,949,898
			Income producing CRE			5,216,693						5,032,342
			Commercial & industrial			2,976,297						2,696,291
			Commercial construction & land			1,360,067						997,802
			Equipment financing			—						1,847,999
			Total commercial			13,889,076						14,524,332
			Residential mortgage			3,198,097						3,157,017
			Home equity			1,503,704						1,319,474
			Residential construction & land			211,222						190,625
			Consumer			195,227						187,536
			Total loans, excluding fair value hedge basis adjustment			18,997,326						19,378,984
			Fair value hedge basis adjustment			(9,131)						5,333
			Total loans			18,988,195						19,384,317
			Less ACL - loans			(179,143)						(210,429)
			Loans, net			$	18,809,052					$	19,173,888

Accrued interest receivable related to loans totaled $63.9 million and $60.4 million at September 30, 2026 and December 31, 2025, respectively, and was reported in other assets on the consolidated balance sheets. Accrued interest receivable was excluded from the estimate of credit losses.

At September 30, 2026 and December 31, 2025, the loan portfolio included certain loans specifically pledged to the Federal Reserve as well as loans covered by a blanket lien on qualifying loan types with the FHLB to secure contingent funding sources.

16

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

The following table presents the amortized cost of certain loans that were sold in the periods indicated. The net gains on these loan sales were included in noninterest income on the consolidated statements of income.

									Three Months Ended September 30,												Nine Months Ended September 30,
						(in thousands)			2026						2025						2026						2025
						Guaranteed portion of SBA/USDA loans			$	15,447					$	16,180					$	54,777					$	59,889
						Equipment financing receivables			6,169						37,239						24,092						58,288
						Total			$	21,616					$	53,419					$	78,869					$	118,177

In addition to the loan sales above, on September 1, 2026, United sold $1.95 billion of equipment financing receivables, which represented substantially all of that portfolio, when it sold Navitas. See Note 3 for additional details.

Past Due and Nonaccrual Loans

The following table presents the aging of the amortized cost basis in loans by aging category and accrual status as of the dates indicated. Past due status is based on contractual terms of the loan. The accrual of interest is generally discontinued when a loan becomes 90 days past due.

						Accruing
						Current Loans						Loans Past Due
(in thousands)												30 - 59 Days						60 - 89 Days						> 90 Days																		Nonaccrual Loans						Total Loans
As of September 30, 2026
Owner occupied CRE						$	4,321,848					$	1,594					$	575					$	—																	$	12,002					$	4,336,019
Income producing CRE						5,205,265						390						158						—																		10,880						5,216,693
Commercial & industrial						2,957,003						2,433						276						—																		16,585						2,976,297
Commercial construction & land						1,359,918						43						—						—																		106						1,360,067
Total commercial						13,844,034						4,460						1,009						—																		39,573						13,889,076
Residential mortgage						3,161,734						3,878						1,041						—																		31,444						3,198,097
Home equity						1,495,904						1,326						414						—																		6,060						1,503,704
Residential construction & land						210,938						—						3						—																		281						211,222
Consumer						193,834						305						126						—																		962						195,227
Total loans						$	18,906,444					$	9,969					$	2,593					$	—																	$	78,320					$	18,997,326
As of December 31, 2025
Owner occupied CRE						$	3,932,261					$	4,917					$	1,555					$	—																	$	11,165					$	3,949,898
Income producing CRE						5,019,437						916						501						—																		11,488						5,032,342
Commercial & industrial						2,664,068						6,365						7,564						—																		18,294						2,696,291
Commercial construction & land						997,772						12						—						—																		18						997,802
Equipment financing						1,826,790						6,637						4,189						—																		10,383						1,847,999
Total commercial						14,440,328						18,847						13,809						—																		51,348						14,524,332
Residential mortgage						3,118,540						5,286						768						—																		32,423						3,157,017
Home equity						1,310,017						3,055						1,155						—																		5,247						1,319,474
Residential construction & land						189,506						40						—						—																		1,079						190,625
Consumer						185,814						569						152						—																		1,001						187,536
Total loans						$	19,244,205					$	27,797					$	15,884					$	—																	$	91,098					$	19,378,984

17

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

The following table presents nonaccrual loans held for investment by loan class for the periods indicated.

									Nonaccrual Loans
									September 30, 2026																		December 31, 2025
			(in thousands)						With no allowance						With an allowance						Total						With no allowance						With an allowance						Total
			Owner occupied CRE						$	6,290					$	5,712					$	12,002					$	7,627					$	3,538					$	11,165
			Income producing CRE						10,614						266						10,880						8,335						3,153						11,488
			Commercial & industrial						9,683						6,902						16,585						7,965						10,329						18,294
			Commercial construction & land						106						—						106						—						18						18
			Equipment financing						—						—						—						71						10,312						10,383
			Total commercial						26,693						12,880						39,573						23,998						27,350						51,348
			Residential mortgage						915						30,529						31,444						4,861						27,562						32,423
			Home equity						132						5,928						6,060						218						5,029						5,247
			Residential construction & land						1						280						281						701						378						1,079
			Consumer						—						962						962						—						1,001						1,001
			Total						$	27,741					$	50,579					$	78,320					$	29,778					$	61,320					$	91,098

At September 30, 2026 and December 31, 2025, United had $30.1 million and $41.5 million, respectively, in loans for which repayment is expected to be provided substantially through the operation or sale of the collateral. Estimated credit losses for these loans are based on the net realizable value of the collateral relative to the amortized cost of the loan. The majority of these loans are CRE and commercial and industrial loans.

Credit Quality Indicators

United utilizes internal risk ratings as the primary credit quality indicator as outlined below:

Commercial Purpose Loans. United analyzes commercial loans individually on an ongoing basis based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, public information, and current industry and economic trends, among other factors. Commercial loans are categorized by the credit risk ratings of Pass, Special Mention, Substandard and Doubtful. Special Mention, Substandard and Doubtful ratings are defined by regulatory authorities and represent an elevated level of risk due to weaknesses identified related to the credit and/or borrower. Ratings within these categories are based on the severity of the weakness and the likelihood of repayment. Pass loans are considered to have a low probability of default and do not meet the criteria of the other ratings.

Consumer Purpose Loans. United applies a pass/fail grading system to all consumer purpose loans. Under this system, loans generally classified as “fail” are those that are on nonaccrual status, are 90 or more days past due, or meet certain bankruptcy status criteria. All other loans are classified as “pass”. For reporting purposes, loans in these categories that are classified as “fail” are reported as substandard and all other loans are reported as pass.

18

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

The following tables present the risk category of term loans and gross charge-offs by vintage year, which is the year of origination or most recent renewal, as of the date indicated.

(in thousands)						Term Loans by Origination Year																																				Revolvers						Revolvers converted to term loans						Total
As of September 30, 2026						2026						2025						2024						2023						2022						Prior
Owner occupied CRE
Pass						$	745,270					$	904,340					$	438,051					$	352,420					$	533,848					$	1,005,513					$	144,565					$	26,284					$	4,150,291
Special Mention						2,029						15,002						1,093						17,466						15,385						14,647						4,334						—						69,956
Substandard						479						4,790						21,346						37,551						24,918						23,866						2,564						258						115,772
Total owner occupied CRE						$	747,778					$	924,132					$	460,490					$	407,437					$	574,151					$	1,044,026					$	151,463					$	26,542					$	4,336,019
Current period gross charge-offs						$	—					$	370					$	429					$	513					$	690					$	—					$	—					$	—					$	2,002
Income producing CRE
Pass						$	1,097,537					$	906,333					$	396,886					$	369,020					$	853,453					$	1,217,600					$	69,534					$	11,178					$	4,921,541
Special Mention						29,982						12,788						11,665						9,369						84,085						17,382						—						—						165,271
Substandard						45,529						4,997						16,569						17,626						28,367						15,299						—						1,494						129,881
Total income producing CRE						$	1,173,048					$	924,118					$	425,120					$	396,015					$	965,905					$	1,250,281					$	69,534					$	12,672					$	5,216,693
Current period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	94					$	—					$	—					$	94
Commercial & industrial
Pass						$	620,342					$	629,629					$	244,849					$	208,963					$	166,704					$	339,674					$	638,072					$	11,387					$	2,859,620
Special Mention						1,348						1,393						6,589						12,236						15,133						3,784						6,503						572						47,558
Substandard						5,125						6,872						8,553						22,010						3,947						9,877						9,742						2,993						69,119
Total commercial & industrial						$	626,815					$	637,894					$	259,991					$	243,209					$	185,784					$	353,335					$	654,317					$	14,952					$	2,976,297
Current period gross charge-offs						$	65					$	2,577					$	265					$	9,067					$	1,136					$	682					$	1,977					$	1,900					$	17,669
Commercial construction & land
Pass						$	542,239					$	503,153					$	154,419					$	21,156					$	41,805					$	13,610					$	49,860					$	900					$	1,327,142
Special Mention						14,132						11,449						3,175						608						—						1,997						—						—						31,361
Substandard						1,020						106						—						91						247						100						—						—						1,564
Total commercial construction & land						$	557,391					$	514,708					$	157,594					$	21,855					$	42,052					$	15,707					$	49,860					$	900					$	1,360,067
Current period gross charge-offs						$	—					$	—					$	—					$	—					$	25					$	—					$	—					$	—					$	25
Equipment financing
Current period gross charge-offs (1)						$	—					$	1,715					$	3,371					$	2,749					$	3,559					$	629					$	—					$	—					$	12,023
Residential mortgage
Pass						$	203,924					$	222,457					$	137,019					$	290,571					$	849,990					$	1,453,602					$	—					$	2,428					$	3,159,991
Substandard						20						1,390						3,484						8,198						11,036						13,911						—						67						38,106
Total residential mortgage						$	203,944					$	223,847					$	140,503					$	298,769					$	861,026					$	1,467,513					$	—					$	2,495					$	3,198,097
Current period gross charge-offs						$	—					$	58					$	—					$	243					$	83					$	—					$	—					$	—					$	384
Home equity
Pass						$	—					$	—					$	—					$	—					$	—					$	—					$	1,457,506					$	38,846					$	1,496,352
Substandard						—						—						—						—						—						—						214						7,138						7,352
Total home equity						$	—					$	—					$	—					$	—					$	—					$	—					$	1,457,720					$	45,984					$	1,503,704
Current period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	—					$	2					$	67					$	69
Residential construction & land
Pass						$	72,487					$	112,458					$	12,810					$	2,338					$	4,147					$	6,616					$	—					$	82					$	210,938
Substandard						—						—						66						163						12						43						—						—						284
Total residential construction & land						$	72,487					$	112,458					$	12,876					$	2,501					$	4,159					$	6,659					$	—					$	82					$	211,222
Current period gross charge-offs						$	—					$	—					$	37					$	111					$	—					$	—					$	—					$	—					$	148
Consumer
Pass						$	70,960					$	50,868					$	24,272					$	12,738					$	6,912					$	2,370					$	25,955					$	109					$	194,184
Substandard						5						142						298						350						103						131						—						14						1,043
Total consumer						$	70,965					$	51,010					$	24,570					$	13,088					$	7,015					$	2,501					$	25,955					$	123					$	195,227
Current period gross charge-offs						$	2,161					$	313					$	242					$	109					$	74					$	142					$	117					$	14					$	3,172

(1) Reflects charge-offs prior to the reclassification of equipment financing loans to held for sale in June 2026.

19

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

(in thousands)						Term Loans by Origination Year																																				Revolvers						Revolvers converted to term loans						Total
As of December 31, 2025						2025						2024						2023						2022						2021						Prior
Owner occupied CRE
Pass						$	882,017					$	459,608					$	468,682					$	587,671					$	505,329					$	733,146					$	122,462					$	22,745					$	3,781,660
Special Mention						1,721						1,341						14,369						24,247						18,972						7,656						4,176						228						72,710
Substandard						3,157						8,412						20,122						31,791						6,709						22,454						2,883						—						95,528
Total owner occupied CRE						$	886,895					$	469,361					$	503,173					$	643,709					$	531,010					$	763,256					$	129,521					$	22,973					$	3,949,898
Current period gross charge-offs						$	—					$	185					$	1,905					$	2,162					$	—					$	942					$	—					$	—					$	5,194
Income producing CRE
Pass						$	916,381					$	430,561					$	541,924					$	1,107,955					$	812,859					$	863,815					$	62,677					$	12,714					$	4,748,886
Special Mention						13,726						14,176						2,144						123,531						7,769						6,341						—						109						167,796
Substandard						9,652						26,439						22,478						1,199						16,954						36,816						2,122						—						115,660
Total income producing CRE						$	939,759					$	471,176					$	566,546					$	1,232,685					$	837,582					$	906,972					$	64,799					$	12,823					$	5,032,342
Current period gross charge-offs						$	—					$	—					$	—					$	1,970					$	—					$	—					$	—					$	—					$	1,970
Commercial & industrial
Pass						$	668,959					$	357,553					$	279,488					$	178,064					$	149,382					$	225,469					$	675,062					$	9,342					$	2,543,319
Special Mention						3,364						18,886						21,622						18,235						1,353						3,387						8,537						448						75,832
Substandard						7,719						2,849						36,127						6,330						4,289						7,506						11,104						1,216						77,140
Total commercial & industrial						$	680,042					$	379,288					$	337,237					$	202,629					$	155,024					$	236,362					$	694,703					$	11,006					$	2,696,291
Current period gross charge-offs						$	46					$	1,197					$	10,327					$	1,506					$	218					$	408					$	—					$	2,240					$	15,942
Commercial construction & land
Pass						$	562,952					$	236,154					$	63,716					$	20,804					$	9,230					$	11,002					$	54,745					$	1,039					$	959,642
Special Mention						4,352						743						—						28,159						1,550						—						—						—						34,804
Substandard						225						388						381						255						18						2,089						—						—						3,356
Total commercial construction & land						$	567,529					$	237,285					$	64,097					$	49,218					$	10,798					$	13,091					$	54,745					$	1,039					$	997,802
Current period gross charge-offs						$	—					$	2,020					$	—					$	—					$	130					$	—					$	—					$	—					$	2,150
Equipment financing
Pass						$	792,800					$	487,499					$	300,427					$	186,094					$	49,410					$	16,468					$	—					$	—					$	1,832,698
Special Mention						—						2,061						—						994						227						—						—						—						3,282
Substandard						1,081						3,090						3,035						3,731						730						352						—						—						12,019
Total equipment financing						$	793,881					$	492,650					$	303,462					$	190,819					$	50,367					$	16,820					$	—					$	—					$	1,847,999
Current period gross charge-offs						$	504					$	3,831					$	7,681					$	10,018					$	2,255					$	668					$	—					$	—					$	24,957
Residential mortgage
Pass						$	199,825					$	116,567					$	308,491					$	921,713					$	910,553					$	661,298					$	—					$	2,612					$	3,121,059
Substandard						310						2,619						7,470						11,604						3,274						10,604						—						77						35,958
Total residential mortgage						$	200,135					$	119,186					$	315,961					$	933,317					$	913,827					$	671,902					$	—					$	2,689					$	3,157,017
Current period gross charge-offs						$	—					$	4					$	560					$	76					$	—					$	—					$	—					$	6					$	646
Home equity
Pass						$	—					$	—					$	—					$	—					$	—					$	—					$	1,277,604					$	36,074					$	1,313,678
Substandard						—						—						—						—						—						—						—						5,796						5,796
Total home equity						$	—					$	—					$	—					$	—					$	—					$	—					$	1,277,604					$	41,870					$	1,319,474
Current period gross charge-offs						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	170					$	170
Residential construction & land
Pass						$	110,016					$	50,363					$	9,612					$	9,156					$	3,637					$	6,676					$	—					$	86					$	189,546
Substandard						—						80						879						15						64						41						—						—						1,079
Total residential construction & land						$	110,016					$	50,443					$	10,491					$	9,171					$	3,701					$	6,717					$	—					$	86					$	190,625
Current period gross charge-offs						$	—					$	—					$	118					$	124					$	—					$	47					$	—					$	—					$	289
Consumer
Pass						$	85,779					$	41,201					$	22,689					$	12,571					$	2,911					$	705					$	20,522					$	122					$	186,500
Substandard						7						161						483						164						45						176						—						—						1,036
Total consumer						$	85,786					$	41,362					$	23,172					$	12,735					$	2,956					$	881					$	20,522					$	122					$	187,536
Current period gross charge-offs						$	3,331					$	533					$	232					$	94					$	88					$	37					$	—					$	154					$	4,469

20

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Modifications to Borrowers Experiencing Financial Difficulty

The period-end amortized cost and additional information regarding loans modified under the terms of a FDM during the nine months ended September 30, 2026 and 2025 are presented in the following tables.

Nine Months Ended September 30, 2026
			Amortized Cost of New FDMs by Type of Modification
(in thousands)			Extension						Payment Delay						Rate Reduction						Rate Reduction & Payment Delay						Rate Reduction & Extension						Principal Forgiveness & Extension						Payment Delay & Extension						Rate Reduction, Payment Delay & Extension						Total						% of Total Class of Receivable			FDMs defaulted within 12 months of modification
Owner occupied CRE			$	—					$	1,314					$	—					$	—					$	—					$	—					$	—					$	—					$	1,314					0.03		%	$	—
Commercial & industrial			38						4,985						—						—						—						—						957						—						5,980						0.20			2,776
Residential mortgage			—						—						1,482						787						288						228						—						1,531						4,316						0.13			1,203
Home equity			—						—						215						—						—						—						—						—						215						0.01			—
Consumer			—						—						73						—						—						—						—						—						73						0.04			—
Total			$	38					$	6,299					$	1,770					$	787					288						228						$	957					$	1,531					$	11,898					0.06			$	3,979

Nine Months Ended September 30, 2025
						Amortized Cost of New FDMs by Type of Modification
(in thousands)						Extension						Payment Delay						Rate Reduction						Rate Reduction & Extension						Payment Delay & Extension						Rate Reduction & Payment Delay															Total			% of Total Class of Receivable			FDMs defaulted within 12 months of modification
Owner occupied CRE						$	—					$	894					$	—					$	—					$	—					$	—														$	894		0.02		%	$	—
Commercial & industrial						78						222						—						—						162						—															462			0.02			107
Equipment financing						—						—						—						—						11,953						—															11,953			0.66			83
Residential mortgage						242						2,589						341						1,851						—						359															5,382			0.17			654
Home equity						—						497						71						—						—						—															568			0.05			—
Consumer						—						—						—						96						—						—															96			0.05			—
Total						$	320					$	4,202					$	412					$	1,947					$	12,115					$	359														$	19,355		0.10			$	844

The following table presents the aging category and accrual status of loans modified under the terms of a FDM during the previous 12 months on an amortized cost basis as of the dates indicated.

									Loans Past Due
(in thousands)			Current						30 - 59 Days						60 - 89 Days						> 90 Days						Nonaccrual						Total
As of September 30, 2026
Owner occupied CRE			$	479					$	—					$	—					$	—					$	836					$	1,315
Commercial & industrial			1,217						467						—						—						4,271						5,955
Residential mortgage			3,323						—						295						—						1,581						5,199
Home equity			345						—						—						—						65						410
Consumer			—						—						—						—						73						73
Total			$	5,364					$	467					$	295					$	—					$	6,826					$	12,952
As of September 30, 2025
Owner occupied CRE			$	1,185					$	—					$	—					$	—					$	—					$	1,185
Commercial & industrial			1,269						—						293						—						245						1,807
Equipment financing			11,268						114						726						—						969						13,077
Residential mortgage			2,368						—						—						—						4,563						6,931
Home equity			71						—						—						—						497						568
Consumer			—						—						—						—						96						96
Total			$	16,161					$	114					$	1,019					$	—					$	6,370					$	23,664

21

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Allowance for Credit Losses

The ACL for loans represents management’s estimate of life of loan credit losses in the portfolio as of the end of the period. The ACL related to unfunded commitments is included in other liabilities in the consolidated balance sheet.

For all periods presented, United used a one-year reasonable and supportable forecast period. Expected credit losses were estimated using a regression model for each segment based on historical data from peer banks combined with a baseline economic forecast to predict the change in credit losses. These estimates were then combined with a starting value that was based on United’s recent charge-off experience to produce an expected default rate, with the results subject to a floor.

At September 30, 2026, the baseline economic forecast acknowledged there is more uncertainty around the conflict in Iran than there was in the second quarter forecast. This resulted in a tempered economic outlook and a slightly higher unemployment rate, which is a key variable in United’s ACL model. The changing forecast did not significantly change the resulting ACL. Consistent with the second quarter, at September 30, 2026, United applied qualitative adjustments to increase the model’s calculated ACL for the income producing CRE and commercial & industrial portfolios and to decrease the model’s calculated ACL for commercial construction and owner occupied CRE. These qualitative adjustments were applied to better reflect management’s expectations of future performance and maintain directional consistency with internal credit measures.

For periods beyond the reasonable and supportable forecast period of one year, United reverted to historical credit loss information on a straight line basis over two years. For most collateral types, United reverted to through-the-cycle average default rates using peer data. For loans secured by residential mortgages, the peer data was adjusted for changes in lending practices designed to mitigate the magnitude of losses observed during the 2008 financial crisis.

22

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

The following table presents the balance and activity in the ACL by portfolio segment for the periods indicated.

						Three months ended September 30,
						2026																																				2025
(in thousands)						Beginning Balance						Initial ACL - Peach State						Charge-Offs						Recoveries						(Release) Provision						Ending Balance						Beginning Balance												Charge-Offs						Recoveries						(Release) Provision						Ending Balance
Owner occupied CRE						$	27,207					$	871					$	(886)					$	49					$	5,880					$	33,121					$	20,967											$	(2,638)					$	141					$	2,189					$	20,659
Income producing CRE						37,449						1,337						(11)						28						1,824						40,627						49,072												—						106						(2,967)						46,211
Commercial & industrial						48,724						174						(5,632)						3,351						(723)						45,894						38,693												(1,702)						2,834						4,656						44,481
Commercial construction & land						12,291						1,717						—						23						1,459						15,490						15,979												(505)						14						(1,647)						13,841
Equipment financing (1)						—						—						—						—						—						—						47,900												(6,946)						1,459						2,691						45,104
Residential mortgage						26,898						1,375						(102)						18						(1,371)						26,818						30,217												(37)						296						797						31,273
Home equity						12,573						254						(6)						147						403						13,371						10,812												(98)						79						563						11,356
Residential construction & land						2,081						128						(111)						4						110						2,212						1,812												(23)						11						(33)						1,767
Consumer						1,482						12						(1,401)						556						961						1,610						1,048												(905)						238						718						1,099
ACL - loans						168,705						5,868						(8,149)						4,176						8,543						179,143						216,500												(12,854)						5,178						6,967						215,791
ACL - unfunded commitments						19,624						—						—						—						1,470						21,094						11,545												—						—						940						12,485
Total ACL						$	188,329					$	5,868					$	(8,149)					$	4,176					$	10,013					$	200,237					$	228,045											$	(12,854)					$	5,178					$	7,907					$	228,276

						Nine Months Ended September 30,
						2026																																				2025
(in thousands)						Beginning Balance						Initial ACL - Peach State						Charge-Offs						Recoveries						(Release) Provision						Ending Balance						Beginning Balance						Initial ACL - ANB PCD loans						Charge- Offs						Recoveries						(Release) Provision						Ending Balance
Owner occupied CRE						$	24,888					$	871					$	(2,002)					$	3,946					$	5,418					$	33,121					$	19,873					$	278					$	(3,470)					$	377					$	3,601					$	20,659
Income producing CRE						44,071						1,337						(94)						139						(4,826)						40,627						41,427						910						(1,970)						425						5,419						46,211
Commercial & industrial						43,269						174						(17,669)						5,220						14,900						45,894						35,441						23						(7,832)						5,490						11,359						44,481
Commercial construction & land						8,286						1,717						(25)						64						5,448						15,490						16,370						39						(635)						193						(2,126)						13,841
Equipment financing (1)						45,852						—						(12,023)						2,491						(36,320)						—						47,415						—						(18,810)						3,318						13,181						45,104
Residential mortgage						29,241						1,375						(384)						110						(3,524)						26,818						32,259						—						(458)						405						(933)						31,273
Home equity						11,849						254						(69)						288						1,049						13,371						11,247						1						(169)						284						(7)						11,356
Residential construction & land						1,799						128						(148)						35						398						2,212						1,672						—						(249)						27						317						1,767
Consumer						1,174						12						(3,172)						1,079						2,517						1,610						1,294						—						(3,401)						967						2,239						1,099
ACL - loans						210,429						5,868						(35,586)						13,372						(14,940)						179,143						206,998						1,251						(36,994)						11,486						33,050						215,791
ACL - unfunded commitments						15,091						—						—						—						6,003						21,094						10,391						—						—						—						2,094						12,485
Total ACL						$	225,520					$	5,868					$	(35,586)					$	13,372					$	(8,937)					$	200,237					$	217,389					$	1,251					$	(36,994)					$	11,486					$	35,144					$	228,276

(1) During the second quarter of 2026, the ACL on equipment financing loans reclassified as held for sale was released and the ACL related to retained equipment financing loans was reclassified to the commercial & industrial line where these loan balances are reflected.

23

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Note 6 – Derivatives and Hedging Activities

The table below presents the fair value of derivative financial instruments, which are included in other assets and other liabilities on the consolidated balance sheet, as of the dates indicated.

			September 30, 2026																		December 31, 2025
			Notional Amount						Fair Value												Notional Amount						Fair Value
(in thousands)									Derivative Asset						Derivative Liability												Derivative Asset						Derivative Liability
Derivatives designated as hedging instruments:
Cash flow hedge of subordinated debt			$	—					$	—					$	—					$	100,000					$	6,288					$	—
Cash flow hedges of trust preferred securities			20,000						—						—						20,000						—						—
Fair value hedges of AFS debt securities			30,681						—						—						785,009						—						—
Fair value hedges of loans			775,000						—						—						1,900,000						—						—
Total			825,681						—						—						2,805,009						6,288						—
Derivatives not designated as hedging instruments:
Customer derivative positions			1,745,210						115						71,645						1,541,391						11,457						32,841
Dealer offsets to customer derivative positions			1,745,210						42,260						99						1,541,391						9,478						11,441
Risk participations			140,062						4						61						103,668						—						108
Mortgage banking - loan commitments			49,247						425						64						41,125						1,027						—
Mortgage banking - forward sales commitment			223,031						2,137						5						94,219						8						225
Bifurcated embedded derivatives			51,935						10,257						—						51,935						7,055						—
Dealer offsets to bifurcated embedded derivatives			51,935						—						11,416						51,935						—						8,382
Total			4,006,630						55,198						83,290						3,425,664						29,025						52,997
Total derivatives			$	4,832,311					$	55,198					$	83,290					$	6,230,673					$	35,313					$	52,997
Total gross derivative instruments									$	55,198					$	83,290											$	35,313					$	52,997
Less: Amounts subject to master netting agreements									(134)						(134)												(7,917)						(7,917)
Less: Cash collateral received/pledged									(42,035)						(12,150)												(8,305)						(12,156)
Net amount									$	13,029					$	71,006											$	19,091					$	32,924

United clears certain derivatives centrally through the CME. CME rules legally characterize variation margin payments for centrally cleared derivatives as settlements of the derivatives’ exposure rather than as collateral. As a result, the variation margin payment and the related derivative instruments are considered a single unit of account for accounting purposes. Variation margin, as determined by the CME, is settled daily. As a result, derivative contracts that clear through the CME have an estimated fair value of zero.

Hedging Derivatives

Cash Flow Hedges of Interest Rate Risk 

United utilizes interest rate caps and swaps to hedge the variability of cash flows due to changes in interest rates on certain of its variable-rate subordinated debt and trust preferred securities. Gains and losses related to changes in fair value of the hedges are reclassified into earnings in the periods the hedged forecasted transactions occur. Over the next twelve months, United expects to reclassify $780,000 of gains from AOCI into earnings related to its interest rate swap agreements.

During the first quarter of 2026, after providing redemption notice on the subordinated debt, United terminated the interest rate cap that had been designated as a hedge of that debt, because the redemption rendered the future cash flows no longer probable of occurring.

Fair Value Hedges of Interest Rate Risk 

United uses interest rate derivatives to manage its exposure to changes in fair value attributable to changes in interest rates on certain of its fixed-rate financial instruments. During the third quarter of 2026, United de-designated (and subsequently terminated) certain portfolio layer hedges of AFS securities in advance of the securities sales that took place during the period. Upon de-designation of the hedge relationship, the cumulative portfolio layer basis adjustment of $6.50 million was allocated to the individual debt securities within the hedged portfolio and reclassified from AOCI into the amortized cost basis of those securities. For securities sold in the balance sheet repositioning, the allocated basis adjustment was included in the loss recognized on the sale. The allocated basis

24

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

adjustment related to retained securities of $1.96 million will be amortized as a yield adjustment to interest income over the remaining contractual lives of the underlying securities.

The table below presents the effect of derivatives in hedging relationships, all of which are interest rate contracts, on earnings for the periods indicated.

						Affected Income Statement Line Item Increase/(Decrease) to Earnings						Three Months Ended September 30,												Nine Months Ended September 30,
(in thousands)												2026						2025						2026						2025
Fair value hedges:
AFS securities:
Amounts related to interest settlements on derivatives						Interest revenue - securities						$	33					$	1,539					$	207					$	4,428
Gain (loss) recognized on derivative						Interest revenue - securities						3,174						(1,050)						11,325						(14,217)
Basis adjustment on securities sold						Securities (losses) gains, net						4,546						—						4,546						—
(Loss) gain recognized on hedged items						Interest revenue - securities						(3,133)						1,357						(11,371)						14,665
Net income recognized on AFS securities fair value hedges												$	4,620					$	1,846					$	4,707					$	4,876
Loans:
Amounts related to interest settlements on derivatives												$	(36)					$	(112)					$	(2,552)					$	(999)
Gain recognized on derivatives												4,458						1,098						14,503						310
(Loss) gain recognized on hedged items												(4,568)						(867)						(14,464)						502
Net (loss) gain recognized on loan fair value hedges						Interest revenue - loans, including fees						$	(146)					$	119					$	(2,513)					$	(187)
Cash flow hedges:
Long-term debt
Amounts related to interest settlements on derivatives (1)						Interest expense- long term debt						$	163					$	1,143					$	1,106					$	3,393
Gain on termination of hedge of subordinated debt						Other noninterest income						—						—						5,184						—
Net income recognized on cash flow hedges												$	163					$	1,143					$	6,290					$	3,393

 (1) Includes premium amortization expense excluded from the assessment of hedge effectiveness of $119,000 and $353,000 for the three and nine months ended September 30, 2025, respectively, as well as $97,000 for the nine months ended September 30, 2026. The cash flow hedge was terminated during the first quarter of 2026 as a result of the redemption of the hedged subordinated debt.

The table below presents the carrying amount of hedged items and cumulative fair value hedging basis adjustments for the periods presented. All fair value hedges of AFS debt securities and loans at September 30, 2026 and December 31, 2025, were designated under the portfolio layer method.

(in thousands)						September 30, 2026																		December 31, 2025
Balance Sheet Location						Carrying Amount						Hedge Accounting Basis Adjustment									Hedged Portfolio Layer						Carrying Amount						Hedge Accounting Basis Adjustment						Hedged Portfolio Layer
Debt securities AFS (1)						$	45,472					$	(588)											$	30,681					$	971,854					$	4,279					$	785,009
Loans and leases held for investment						3,213,425						(9,131)												775,000						3,556,859						5,333						1,900,000

(1) Carrying amount for AFS debt securities reflects amortized cost, which excludes the hedge accounting basis adjustment.

Derivatives Not Designated as Hedging Instruments 

Customer derivative positions include swaps, caps, and collars between United and certain commercial loan customers with offsetting positions to dealers under a back-to-back program. In addition, United occasionally enters into credit risk participation agreements with counterparty banks to accept or transfer a portion of the credit risk related to interest rate swaps.

25

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

United also has three interest rate swap contracts that are economic hedges of market-linked brokered certificates of deposit, which contain embedded derivatives that are bifurcated from the host instruments. The fair value marks on the swaps and the bifurcated embedded derivatives tend to move in opposite directions and therefore provide an economic hedge.

In addition, in connection with residential mortgage loans that are originated with the intention of selling them, United enters into commitments to originate residential mortgage loans and forward loan sales commitments.

The table below presents the gains and losses recognized in income on derivatives not designated as hedging instruments for the periods indicated.

						Location of Gain (Loss) Recognized in Income on Derivatives						Amount of Gain (Loss) Recognized in Income on Derivatives
												Three Months Ended September 30,												Nine Months Ended September 30,
(in thousands)												2026						2025						2026						2025
Customer derivatives and dealer offsets						Other noninterest income						$	1,185					$	1,331					$	3,725					$	3,333
Bifurcated embedded derivatives and dealer offsets						Other noninterest income						22						(21)						20						(25)
Mortgage banking derivatives						Mortgage loan gains and other related fees						1,776						(666)						2,906						(961)
Risk participations						Other noninterest income						(411)						165						(311)						340
												$	2,572					$	809					$	6,340					$	2,687

Credit-Risk-Related Contingent Features 

United manages its credit exposure on derivatives transactions by entering into a bilateral credit support agreement with each non-customer counterparty. The credit support agreements require collateralization of exposures beyond specified minimum threshold amounts. The details of these agreements, including the minimum thresholds, vary by counterparty.

United’s agreements with each of its derivative counterparties provide that if either party defaults on any of its indebtedness, then it could also be declared in default on its derivative obligations. The agreements with derivative counterparties also include provisions that if not met, could result in United being declared in default. United has agreements with certain of its derivative counterparties that provide that if United fails to maintain its status as a well-capitalized institution or is subject to a prompt corrective action directive, the counterparty could terminate the derivative positions and United would be required to settle its obligations under the agreements. Derivatives that are centrally cleared do not have credit-risk-related features that would require additional collateral if United’s credit rating were downgraded.

Note 7 – Goodwill and Other Intangible Assets

The carrying amount of goodwill and other intangible assets as of the dates indicated is summarized below.

			(in thousands)			September 30, 2026						December 31, 2025
			Core deposit intangible			$	123,243					$	106,984
			Less: accumulated amortization			(73,569)						(64,221)
			Net core deposit intangible (1)			49,674						42,763
			Goodwill			977,241						925,119
			Total goodwill and other intangible assets, net			$	1,026,915					$	967,882

(1) As intangible assets become fully amortized, they are excluded from balances presented.

26

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

The following table summarizes the changes in the carrying amount of goodwill for the periods indicated.

									Three Months Ended September 30,												Nine Months Ended September 30,
			(in thousands)						2026						2025						2026						2025
			Balance, beginning of period						$	925,119					$	925,119					$	925,119					$	907,090
			Acquisition of Peach State (1)						52,122						—						52,122						—
			Acquisition of ANB						—						—						—						18,029
			Balance, end of period						$	977,241					$	925,119					$	977,241					$	925,119

(1) See Note 3 for additional details.

The estimated aggregate amortization expense for future periods for finite-lived intangibles is as follows:

			(in thousands)
			Year
			Remainder of 2026			$	3,474
			2027			12,441
			2028			10,212
			2029			8,132
			2030			6,159
			Thereafter			9,256
			Total			$	49,674

Note 8 – Assets and Liabilities Measured at Fair Value

Accounting standards define fair value as the price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market available to the entity in an orderly transaction between market participants on the measurement date. Fair values are categorized within a three-level measurement hierarchy:

Level 1 Valuation is based upon quoted prices (unadjusted) in active markets for identical assets or liabilities that United has the ability to access.

Level 2 Valuation is based upon quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates, and yield curves that are observable at commonly quoted intervals.

Level 3 Valuation is generated from model-based techniques that use at least one significant assumption based on unobservable inputs for the asset or liability, which are typically based on an entity’s own assumptions, as there is little, if any, related market activity.

United has processes in place to review the significant valuation inputs and to assess on a quarterly basis how instruments are classified within the valuation framework. Transfers into or out of fair value hierarchy levels are made as the observability of input assumptions change. During the nine months ended September 30, 2026, there were no changes to valuation approaches or techniques that warranted a hierarchy level change.

27

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Assets and Liabilities Measured at Fair Value on a Recurring Basis

The table below presents United’s assets and liabilities measured at fair value on a recurring basis as of the dates indicated, aggregated by the level in the fair value hierarchy within which those measurements fall.

(in thousands)
September 30, 2026						Level 1						Level 2						Level 3						Total
Assets:
Trading securities:
U.S. Treasuries						$	93,760					$	—					$	—					$	93,760
AFS debt securities:
U.S. Treasuries						1,579,240						—						—						1,579,240
U.S. Government agencies & GSEs						—						686,538						—						686,538
State and political subdivisions						—						138,194						—						138,194
Residential MBS						—						1,944,257						—						1,944,257
Commercial MBS						—						1,451,949						—						1,451,949
Corporate bonds						—						81,807						497						82,304
Asset-backed securities						—						664,314						—						664,314
Mortgage loans held for sale						—						34,493						—						34,493
Mutual funds and other investments						17,003						25						—						17,028
Servicing rights for SBA/USDA loans						—						—						4,648						4,648
Residential mortgage servicing rights						—						—						50,107						50,107
Contingent consideration receivable						—						—						7,195						7,195
Derivative financial instruments						—						44,512						10,686						55,198
Total assets						$	1,690,003					$	5,046,089					$	73,133					$	6,809,225
Liabilities:
Deferred compensation plan liability						$	17,013					$	25					$	—					$	17,038
Derivative financial instruments						—						71,749						11,541						83,290
Total liabilities						$	17,013					$	71,774					$	11,541					$	100,328

(in thousands)
December 31, 2025						Level 1						Level 2						Level 3						Total
Assets:
AFS debt securities:
U.S. Treasuries						$	493,755					$	—					$	—					$	493,755
U.S. Government agencies & GSEs						—						298,350						—						298,350
State and political subdivisions						—						154,883						—						154,883
Residential MBS						—						1,690,332						—						1,690,332
Commercial MBS						—						692,087						—						692,087
Corporate bonds						—						136,176						492						136,668
Asset-backed securities						—						284,788						—						284,788
Equity securities						—						2,481						—						2,481
Mortgage loans held for sale						—						39,381						—						39,381
Mutual funds and other investments						16,343						140						—						16,483
Servicing rights for SBA/USDA loans						—						—						4,880						4,880
Residential mortgage servicing rights						—						—						41,231						41,231
Contingent consideration receivable						—						—						7,195						7,195
Derivative financial instruments						—						27,231						8,082						35,313
Total assets						$	510,098					$	3,325,849					$	61,880					$	3,897,827
Liabilities:
Deferred compensation plan liability						$	16,345					$	140					$	—					$	16,485
Derivative financial instruments						—						44,507						8,490						52,997
Total liabilities						$	16,345					$	44,647					$	8,490					$	69,482

28

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Level 3 Fair Value Measurements

The following table presents quantitative information about significant unobservable inputs related to United’s material categories of Level 3 financial instruments measured at fair value on a recurring basis as of the dates indicated.

Level 3 Assets and Liabilities

Valuation Technique

Significant Unobservable Inputs

September 30, 2026

December 31, 2025

Range

Weighted Average

Range

Weighted Average

Residential mortgage servicing rights

Discounted cash flow

Discount rate

8.3% - 15.4%

9.3%

9.5% - 12.5%

9.6%

Prepayment rate

5.0 - 70.6

6.4

5.5 - 25.3

7.5

Derivative assets - mortgage

Internal model

Pull through rate

76.0 - 100

93.9

60.0 - 100

91.6

Derivative assets and liabilities - other

Dealer priced

Dealer priced

N/A

N/A

N/A

N/A

The table below presents a reconciliation of the beginning and ending balances of Level 3 assets and liabilities measured at fair value on a recurring basis for the periods indicated.

			2026																								2025
(in thousands)			Derivative Assets						Derivative Liabilities						Servicing Rights									Other						Derivative Assets						Derivative Liabilities						Servicing Rights						Other
Three Months Ended September 30,
Beginning balance			$	9,711					$	9,740					$	49,429								$	7,692					$	9,130					$	9,217					$	44,483					$	8,532
Additions			292						156						1,916									—						1,202						—						1,727						—
Sales and settlements			(1,168)						—						(1,094)									—						(1,464)						—						(807)						(811)
Fair value adjustments included in OCI			—						—						—									—						—						—						—						4
Fair value adjustments included in earnings			1,851						1,645						4,504									—						(458)						(511)						211						—
Ending balance			$	10,686					$	11,541					$	54,755								$	7,692					$	8,410					$	8,706					$	45,614					$	7,725
Nine Months Ended September 30,
Beginning balance			$	8,082					$	8,490					$	46,111								$	7,687					$	11,656					$	12,286					$	43,991					$	9,696
Additions			3,057						371						6,119									—						4,447						321						5,071						—
Sales and settlements			(3,532)						(2)						(3,252)									—						(4,059)						—						(2,426)						(1,984)
Fair value adjustments included in OCI			—						—						—									5						—						—						—						13
Fair value adjustments included in earnings			3,079						2,682						5,777									—						(3,634)						(3,901)						(1,022)						—
Ending balance			$	10,686					$	11,541					$	54,755								$	7,692					$	8,410					$	8,706					$	45,614					$	7,725

29

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Fair Value Option

United records mortgage loans held for sale at fair value. Interest income on these loans is calculated based on the note rate of the loan and is recorded in interest revenue. The following tables present the fair value and outstanding principal balance of loans accounted for under the fair value option, as well as the gain or loss recognized from the change in fair value for the periods indicated.

			Mortgage Loans Held for Sale
			(in thousands)			September 30, 2026						December 31, 2025
			Outstanding principal balance			$	34,339					$	38,187
			Fair value			34,493						39,381

			Losses from Change in Fair Value on Mortgage Loans Held for Sale
			Location			Three Months Ended September 30,												Nine Months Ended September 30,
			(in thousands)			2026						2025						2026						2025
			Mortgage loan gains and other related fees			$	(1,150)					$	(270)					$	(1,041)					$	(449)

Changes in fair value were mostly offset by hedging activities. An immaterial portion of these amounts was attributable to changes in instrument-specific credit risk.

Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis

United may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis. These adjustments to fair value usually result from the application of the lower of the amortized cost or fair value accounting or write-downs of individual assets due to impairment. The following table presents the fair value hierarchy and carrying value of assets that were still held as of September 30, 2026 and December 31, 2025, for which a nonrecurring fair value adjustment was recorded during the year-to-date periods presented.

			(in thousands)						Level 1						Level 2						Level 3						Total
			September 30, 2026
			Loans held for investment						$	—					$	—					$	18,796					$	18,796
			December 31, 2025
			Loans held for investment						$	—					$	—					$	19,216					$	19,216

Loans held for investment that are reported above are generally impaired loans that have either been partially charged off or have specific reserves assigned to them.

Assets and Liabilities Not Measured at Fair Value

The following disclosure provides estimated fair values for financial instruments not carried at fair value on the consolidated balance sheets. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect the premium or discount on any particular financial instrument that could result from the sale of United’s entire holdings. All estimates are inherently subjective in nature. Changes in assumptions could significantly affect the estimates.

30

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

												Fair Value Level
(in thousands)						Carrying Amount						Level 1						Level 2						Level 3						Total
September 30, 2026
Assets:
Loans and leases, net						$	18,809,052					$	—					$	—					$	18,421,312					$	18,421,312
Liabilities:
Deposits						24,887,857						—						24,884,044						—						24,884,044
Long-term debt						39,686						—						—						42,143						42,143
December 31, 2025
Assets:
HTM debt securities						$	2,237,356					$	19,039					$	1,899,387					$	—					$	1,918,426
Loans and leases, net						19,173,888						—						—						18,651,481						18,651,481
Liabilities:
Deposits						23,798,430						—						23,790,107						—						23,790,107
Long-term debt						120,400						—						—						120,279						120,279

Note 9 – Reclassifications Out of AOCI

The following table presents the details regarding amounts reclassified out of AOCI for the periods indicated. Amounts shown in parentheses reduce earnings.

(in thousands)
Details about AOCI Components						Three Months Ended September 30,												Nine Months Ended September 30,												Affected Line Item in the Statement Where Net Income is Presented
						2026						2025						2026						2025
Realized net (losses) gains on AFS securities:
						$	(366,101)					$	49					$	(365,970)					$	341					Securities (losses) gains, net
						90,325						(13)						90,298						(83)						Income tax (benefit) expense
						$	(275,776)					$	36					$	(275,672)					$	258					Net of tax
Amortization of unrealized losses on HTM securities reclassified from AFS:
						$	(1,226)					$	(1,993)					$	(4,762)					$	(5,918)					Investment securities interest revenue
						306						471						1,353						1,400						Income tax (benefit) expense
						$	(920)					$	(1,522)					$	(3,409)					$	(4,518)					Net of tax
Reclassifications related to derivative instruments accounted for as cash flow hedges:
Interest rate contracts						$	163					$	1,143					$	1,106					$	3,393					Long-term debt interest expense
Gain on terminated cash flow hedge						—						—						5,184						—						Other noninterest income
						163						1,143						6,290						3,393						Total before tax
						(40)						(289)						(1,588)						(857)						Income tax (benefit) expense
						$	123					$	854					$	4,702					$	2,536					Net of tax
Amortization of defined benefit pension plan net periodic pension cost components:
Prior service cost						$	(13)					$	17					$	(39)					$	51					Salaries and employee benefits expense
						3						(4)						10						(13)						Income tax (benefit) expense
						$	(10)					$	13					$	(29)					$	38					Net of tax
Total reclassifications for the period						$	(276,583)					$	(619)					$	(274,408)					$	(1,686)					Net of tax

31

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Note 10 – Earnings (Loss) Per Share

The following table sets forth the computation of basic and diluted earnings per share for the periods indicated.

						Three Months Ended September 30,												Nine Months Ended September 30,
			(in thousands, except per share data)			2026						2025						2026						2025
			Net (loss) income			$	(139,745)					$	91,494					$	60,182					$	241,640
			Dividends on preferred stock			—						(1,573)						—						(4,719)
			Deemed dividend on redemption of preferred stock			—						(3,275)						—						(3,275)
			Earnings and dividends allocated to participating securities			(243)						(507)						(639)						(1,356)
			Net (loss) income available to common shareholders			$	(139,988)					$	86,139					$	59,543					$	232,290
			Weighted average shares outstanding:
			Basic			120,456						122,116						120,419						121,186
			Effect of dilutive securities:
			Stock options			—						63						45						69
			Restricted stock units			—						73						190						48
			Diluted			120,456						122,252						120,654						121,303
			Net (loss) income per common share:
			Basic			$	(1.16)					$	0.71					$	0.49					$	1.92
			Diluted			$	(1.16)					$	0.70					$	0.49					$	1.91
			Anti-dilutive awards			673						—						—						—

Note 11 – Regulatory Matters

As of September 30, 2026, United and the Bank were categorized as well-capitalized under the regulatory requirements in effect at that time. To be categorized as well-capitalized, United and the Bank must have exceeded the well-capitalized guideline ratios in effect at the time, as set forth in the table below, and have met certain other requirements. Management believes that United and the Bank exceeded all well-capitalized requirements at September 30, 2026, and there have been no conditions or events since quarter-end that would change the status of well-capitalized.

Regulatory capital ratios at September 30, 2026 and December 31, 2025, along with the minimum amounts required for capital adequacy purposes and to be well-capitalized under regulatory requirements in effect at such times, are presented below for United and the Bank:

																		United Community Banks, Inc. (Consolidated)												United Community Bank
(dollars in thousands)						Minimum (1)						Well- Capitalized						September 30, 2026						December 31, 2025						September 30, 2026						December 31, 2025
Risk-based ratios:
CET1 capital						4.5		%				6.5		%				13.05		%				13.44		%				11.73		%				12.34		%
Tier 1 capital						6.0						8.0						13.05						13.44						11.73						12.34
Total capital						8.0						10.0						14.17						14.77						12.65						13.37
Leverage ratio						4.0						5.0						9.49						10.28						8.53						9.42
CET1 capital																		$	2,700,617					$	2,824,732					$	2,416,449					$	2,582,475
Tier 1 capital																		2,700,617						2,824,732						2,416,449						2,582,475
Total capital																		2,931,417						3,104,806						2,605,670						2,797,549
Risk-weighted assets																		20,693,934						21,019,967						20,600,693						20,931,562
Average total assets for the leverage ratio																		28,448,787						27,469,241						28,325,171						27,401,675

(1) As of September 30, 2026 and December 31, 2025, the minimum ratios as presented were subject to an additional capital conservation buffer of 2.50%

32

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Note 12 – Commitments and Contingencies

United is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. United uses the same credit policies in making commitments and conditional obligations as it uses for underwriting on-balance sheet instruments. In most cases, collateral or other security is required to support financial instruments with credit risk.

The following table summarizes the contractual amount of significant off-balance sheet instruments as of the dates indicated.

(in thousands)			September 30, 2026						December 31, 2025
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit			$	5,248,025					$	4,732,083
Letters of credit			57,804						53,008

United, in the normal course of business, is subject to various pending and threatened lawsuits in which claims for monetary damages are asserted. Although it is not possible to predict the outcome of these lawsuits, or the range of any possible loss, management, after consultation with legal counsel, does not anticipate that the ultimate aggregate liability, if any, arising from these lawsuits will have a material adverse effect on United’s financial position or results of operations.

Note 13 - Long-term Debt and Other Borrowings

As of September 30, 2026, the Bank had no short-term borrowings outstanding. As of December 31, 2025, the Bank had short-term borrowings outstanding of $85.0 million, which consisted of federal funds purchased.

Long-term debt consisted of the following. All debt instruments are obligations of the Holding Company.

			September 30, 2026						December 31, 2025						Stated Maturity Date						Earliest Redemption Date						Interest Rate Type						Interest Rate at September 30, 2026
(dollars in thousands)
2027 subordinated debentures			$	3,000					$	—					2027						n/a						Fixed						7.00%
2032 subordinated debentures			10,000						—						2032						2027						Fixed to floating; becomes floating at earliest redemption date						6.25
2036 subordinated debentures			6,500						—						2036						2031						Fixed to floating; becomes floating at earliest redemption date						4.50
2028 subordinated debentures			—						100,000						2028						**						Floating
Total subordinated debentures			19,500						100,000
Tidelands Statutory Trust I			8,248						8,248						2036						*						Floating						5.72
Four Oaks Statutory Trust I			12,372						12,372						2036						*						Floating						5.51
Community First Capital Trust II			5,155						5,155						2035						*						Floating						5.66
Total trust preferred securities			25,775						25,775
Less net discount			(5,589)						(5,375)
Total long-term debt			$	39,686					$	120,400

 * Indicates currently redeemable. ** Redeemed at earliest redemption date in 2026.

Interest is currently paid at least semiannually for all subordinated debentures and trust preferred securities. Floating rate debentures accrue interest at 3-month Term SOFR plus a spread. Interest rates above exclude the effect of any cash flow hedges on hedged debt instruments. See Note 6 for additional detail.

During the second quarter of 2026, the Holding Company redeemed its $100 million 2028 subordinated debenture prior to maturity.

The 2027, 2032 and 2036 subordinated debentures were assumed by United when it acquired Peach State on August 1, 2026.

33

UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements (Unaudited)

Note 14 - Common Stock

During the third quarter and first nine months of 2026, United repurchased, respectively, $50.4 million and $87.8 million of its common stock. Effective September 1, 2026, the Board approved an authorization to repurchase up to $100 million in common stock under the common stock repurchase program, in addition to the authorization remaining under the 2026 plan, resulting in a total remaining authorization to repurchase common stock of $113 million as of September 30, 2026. The common stock repurchase plan was also renewed through December 31, 2027.

In connection with the acquisition of Peach State, United issued $47.9 million in common stock. For additional details on the acquisition of Peach State, see Note 3.

Common dividends per share were $0.26 and $0.76, respectively, for the three and nine months ended September 30, 2026, compared to $0.25 and $0.73, respectively, for the three and nine months ended September 30, 2025.

Note 15 - Subsequent Events

In the fourth quarter of 2026, through November 2, 2026, United repurchased 288,866 shares of common stock for $10.7 million in accordance with its common stock repurchase program.

34

Item 2.    Management’s Discussion and Analysis of Financial Condition and Results of Operations

The following is a discussion of our financial condition at September 30, 2026 and December 31, 2025 and our results of operations for the three and nine months ended September 30, 2026 and 2025. The purpose of this discussion is to focus on information about our financial condition and results of operations which is not otherwise apparent from our consolidated financial statements and is intended to provide insight into our results of operations and financial condition. The following discussion and analysis should be read along with our consolidated financial statements and related notes included in Part I - Item 1 of this Report, “Cautionary Note Regarding Forward-Looking Statements” beginning on page 4 of this Report and the risk factors discussed in our Item 1A. of our 2025 10-K and in Part II, Item IA. of this Report.

Unless the context otherwise requires, in this Report, the terms “we,” “our,” “us” refer to United on a consolidated basis.

Non-GAAP Reconciliation and Explanation

This Report contains financial information determined by methods other than in accordance with GAAP. Such non-GAAP financial information includes the following measures: “tangible book value per common share,” and “tangible common equity to tangible assets.” In addition, management presents non-GAAP operating performance measures, which exclude merger-related and other items that are not part of our ongoing business operations. Operating performance measures include “noninterest income - operating,” “noninterest expense - operating,” “net income – operating,” “diluted income per common share – operating,” “return on common equity – operating,” “return on tangible common equity – operating,” and “return on assets – operating,” and “efficiency ratio – operating.”

We have developed internal policies and procedures to accurately capture and account for merger-related and other charges we consider to be non-operating or non-recurring and those charges are reviewed with the Audit Committee of our Board each quarter. We use these non-GAAP measures because we believe they provide useful supplemental information for evaluating our operations and performance over periods of time, as well as in managing and evaluating our business and in discussions about our operations and performance. We believe these non-GAAP measures may also provide users of our financial information with a meaningful measure for assessing our financial results and credit trends, as well as a comparison to financial results for prior periods. Nevertheless, non-GAAP measures have inherent limitations, are not required to be uniformly applied and are not audited. These non-GAAP measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP. In addition, because non-GAAP measures are not standardized, it may not be possible to compare our non-GAAP measures to similarly titled measures used by other companies. To the extent applicable, reconciliations of these non-GAAP measures to the most directly comparable measures as reported in accordance with GAAP are included in Table 17 of MD&A.

Executive Overview and Results of Operations

Overview

We offer a wide array of commercial and consumer banking services and investment advisory solutions through a network of 202 banking offices in Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama. Our SBA/USDA lending business operates throughout the United States. At September 30, 2026, we had consolidated total assets of $28.9 billion and 2,999 full-time equivalent employees.

Recent Developments

•On August 1, 2026, we acquired Peach State, headquartered in Gainesville, Georgia. Peach State operated two banking locations in Hall County, Georgia. In the acquisition, we acquired $754 million in assets, including $514 million in loans, and assumed $703 million in liabilities, including $678 million in deposits. See Note 3 in the Notes to the Financial Statements for further detail.

•On September 1, 2026, we completed the sale of Navitas, the bank’s equipment finance subsidiary, for total cash consideration of $2.03 billion, which resulted in a $62.2 million gain. With the sale, $1.95 billion of equipment financing receivables were sold, which represented substantially all of that portfolio. The sale reflects our strategic decision to focus on our core relationship banking business while reducing risk and enhancing liquidity and capital strength. See Note 3 in the Notes to the Financial Statements for further detail.

35

•In September 2026, following the sale of Navitas, United completed a strategic balance sheet repositioning designed to shorten the duration of our investment portfolio, thereby reducing interest rate risk, as well as improving future net interest revenue, net interest margin, and earnings performance. As part of the repositioning, we reclassified $2.16 billion in HTM debt securities to the AFS designation. We then sold $2.47 billion of certain lower-yielding investment AFS securities for a pre-tax loss of $366 million. The transaction was undertaken to accelerate the replacement of lower-yielding longer duration securities purchased during a lower interest rate environment with higher-yielding earning assets. See the Investment Securities section of MD&A of this Report for further details.

•During the third quarter and first nine months of 2026, we repurchased, respectively, $50.4 million and $87.8 million of our common stock. The third quarter repurchases effectively offset the shares issued in the acquisition of Peach State of $47.9 million. Additionally, effective September 1, 2026, our Board approved an incremental authorization to repurchase up to $100 million in common stock through December 31, 2027. Therefore, as of September 30, 2026, we had a total remaining authorization of $113 million.

Results of Operations

We reported a net loss and diluted loss per common share of $140 million and $1.16, respectively, for the third quarter of 2026, compared to net income of $91.5 million and diluted earnings per share of $0.70, respectively, for the same period in 2025. For the nine months ended September 30, 2026, we reported net income and diluted earnings per common share of $60.2 million and $0.49, respectively, compared to $242 million and $1.91, respectively, in the same period of 2025.

Net income - operating for the third quarter and first nine months of 2026 was $93.7 million and $265 million, respectively. Net income - operating for these periods notably excludes the $366 million pre-tax loss on the securities portfolio repositioning and the $62.2 million gain on the sale of Navitas. Net income - operating for the nine months ended September 30, 2026, also excludes the $38.5 million release of the equipment financing loan ACL as a result of the Navitas sale, a $6.70 million one-time payroll transition bonus and a $5.18 million gain on a terminated cash flow hedge. For further detail, see Table 17 of MD&A for the Non-GAAP Performance Measures Reconciliation.

FTE net interest revenue for the third quarter and first nine months of 2026 was $253 million and $729 million, respectively, compared to $235 million and $674 million, respectively, for the same periods of 2025. The increase in net interest revenue was mostly driven by decreases in deposit interest expense, in addition to interest revenue from recent acquisitions and core business growth. Net interest margin for the third quarter and first nine months of 2026 increased to 3.68% and 3.67%, respectively, from 3.58% and 3.48%, respectively, for the comparable 2025 periods. The increases in net interest margin were primarily due to the larger decrease in interest rates paid on deposits compared to the decrease in interest rates earned on loans. The decrease in rates resulted from aggregate reductions of 75 basis points in the federal funds rate over the past year through mid-September 2026 when the federal funds rate increased 25 basis points. See the net interest revenue discussion of MD&A for further details.

Negative noninterest income of $263 million and $181 million, respectively, for the third quarter and first nine months of 2026 reflects securities losses related to the securities portfolio repositioning, partly offset by the gain on the sale of Navitas previously discussed. The nine months ended September 30, 2026, also includes a $5.18 million gain on a terminated cash flow hedge in the first quarter.

We recorded a provision for credit losses of $10.0 million for the third quarter of 2026 and a negative provision of $8.94 million for the first nine months of 2026. The negative provision reflects the release of the ACL related to the equipment finance portfolio upon its transfer to held for sale in the second quarter of 2026.

Noninterest expenses of $162 million and $479 million in the third quarter and first nine months of 2026, respectively, were up 8% and 9%, respectively, compared to the same periods of 2025. Salaries and employee benefits expense was the primary driver of the increase, mostly due to an increase in salaries, which reflects our current strategy to hire additional revenue producers and annual merit increases that went into effect April 1, 2026, higher incentive compensation and higher group medical costs. The nine months ended September 30, 2026, also includes a $6.70 million first quarter one-time payroll transition bonus paid to employees when we began paying employees bi-weekly in arrears. The acquisition of Peach State contributed to the increase in noninterest expenses for the third quarter and first nine months of 2026 and the acquisition of ANB, which occurred on May 1, 2025, also contributed to the increase in noninterest expenses over the nine months ended September 30, 2025.

Results for the third quarter and first nine months of 2026 are discussed in further detail throughout the following sections of MD&A.

36

UNITED COMMUNITY BANKS, INC.
Table 1 - Financial Highlights
(dollars in thousands, except per share data)						2026																		2025												Third Quarter 2026 - 2025 Change						For the Nine Months Ended September 30,												YTD Change
						Third Quarter						Second Quarter						First Quarter						Fourth Quarter						Third  Quarter												2026						2025
INCOME SUMMARY
Interest revenue						$	362,560					$	344,371					$	333,961					$	346,367					$	353,850											$	1,040,892					$	1,036,572
Interest expense						111,354						103,471						101,197						108,441						120,221												316,022						365,391
Net interest revenue						251,206						240,900						232,764						237,926						233,629						8		%				724,870						671,181						8		%
Noninterest income						(263,172)						38,380						43,746						40,462						43,219						n/m						(181,046)						113,583						n/m
Total revenue						(11,966)						279,280						276,510						278,388						276,848						n/m						543,824						784,764						(31)
Provision for credit losses						10,013						(29,803)						10,853						13,662						7,907						n/m						(8,937)						35,144						n/m
Noninterest expense						162,241						159,915						157,302						152,048						150,868						8						479,458						439,886						9
Income (loss) before income tax expense						(184,220)						149,168						108,355						112,678						118,073						n/m						73,303						309,734						(76)
Income tax (benefit) expense						(44,475)						33,530						24,066						26,223						26,579						n/m						13,121						68,094						(81)
Net (loss) income						(139,745)						115,638						84,289						86,455						91,494						n/m						60,182						241,640						(75)
Non-operating items						310,380						(37,582)						508						606						3,468												273,306						9,598
Income tax related to non-operating items						(76,932)						8,347						(113)						(133)						(751)												(68,698)						(2,079)
Net income - operating (1)						$	93,703					$	86,403					$	84,684					$	86,928					$	94,211					(1)						$	264,790					$	249,159					6
PERFORMANCE MEASURES
Per common share:
Diluted net income - GAAP						$	(1.16)					$	0.95					$	0.69					$	0.70					$	0.70					n/m						$	0.49					$	1.91					(74)
Diluted net income - operating (1)						0.77						0.71						0.70						0.71						0.75						3						2.18						2.00						9
Cash dividends declared						0.26						0.25						0.25						0.25						0.25						4						0.76						0.73						4
Book value						29.27						31.27						30.54						30.17						29.44						(1)						29.27						29.44						(1)
Tangible book value (3)						20.80						23.31						22.56						22.24						21.59						(4)						20.80						21.59						(4)
Key performance ratios:
Return on common equity - GAAP (2)(4)						(14.85)		%				12.56		%				9.35		%				9.48		%				9.20		%										2.18		%				8.53		%
Return on common equity - operating (1)(2)(4)						9.95						9.39						9.39						9.53						9.83												9.58						8.92
Return on tangible common equity - operating (1)(2)(3)(4)						13.90						12.98						13.05						13.31						13.56												13.32						12.57
Return on assets - GAAP (4)						(1.89)						1.63						1.22						1.21						1.29												0.28						1.16
Return on assets - operating (1)(4)						1.27						1.22						1.22						1.22						1.33												1.24						1.19
Net interest margin (FTE) (4)						3.68						3.68						3.65						3.62						3.58												3.67						3.48
Efficiency ratio - GAAP						n/m						57.01						56.66						54.40						54.30												n/m						55.86
Efficiency ratio - operating (1)						53.11						56.69						55.65						54.19						53.05												55.12						54.64
Equity to total assets						12.14						12.89						12.97						12.99						12.78												12.14						12.78
Tangible common equity to tangible assets (3)						8.95						9.94						9.92						9.92						9.71												8.95						9.71
ASSET QUALITY
NPAs						$	81,270					$	103,387					$	98,623					$	93,498					$	97,916					(17)						$	81,270					$	97,916					(17)
ACL - loans						179,143						168,705						208,396						210,429						215,791						(17)						179,143						215,791						(17)
Net charge-offs						3,973						7,864						10,377						16,418						7,676						(48)						22,214						25,508						(13)
ACL - loans to loans						0.94		%				0.94		%				1.06		%				1.09		%				1.13		%										0.94		%				1.13		%
Net charge-offs to average loans (4)						0.09						0.16						0.22						0.34						0.16												0.15						0.18
NPAs to total assets						0.28						0.36						0.35						0.33						0.35												0.28						0.35
AT PERIOD END ($ in millions)
Loans held for investment						$	18,988					$	18,024					$	19,602					$	19,384					$	19,175					(1)						$	18,988					$	19,175					(1)
Investment securities						6,641						6,377						5,889						5,988						6,163						8						6,641						6,163						8
Total assets						28,882						29,051						28,177						28,003						28,143						3						28,882						28,143						3
Deposits						24,888						23,724						24,025						23,798						24,021						4						24,888						24,021						4
Shareholders’ equity						3,507						3,745						3,655						3,639						3,597						(3)						3,507						3,597						(3)
Common shares outstanding (thousands)						119,827						119,764						119,684						120,598						121,553						(1)						119,827						121,553						(1)

(1) Excludes non-operating items as detailed on Non-GAAP Performance Measures Reconciliation on page 53. (2) Net income less preferred stock dividends, divided by average common equity. (3) Excludes effect of acquisition related intangibles and associated amortization. (4) Annualized.

37

Net Interest Revenue

For the three months ended:

FTE net interest revenue for the third quarter of 2026 was $253 million, an increase of $17.9 million from the same period in 2025. Net interest spread and net interest margin were 2.94% and 3.68%, respectively, increases of 21 and 10 basis points, respectively, compared to the third quarter of 2025. Interest revenue on interest-earning assets contributed $9.00 million of the increase, which was provided by the increase in average loans of $787 million and an increase in average other interest-earning assets of $401 million compared to the third quarter of 2025. Average other interest-earning assets consists mostly of balances held on deposit at the Federal Reserve Bank. The increase in average loans was primarily driven by loan growth, including $514 million in loans acquired from Peach State on August 1, 2026. The increase in our average interest-earning cash of $413 million resulted from the $1.99 billion of sales proceeds from the Navitas sale on September 1, 2026 and proceeds from investment securities sales during September of 2026 as part of our balance sheet repositioning strategy. Much of the cash was redeployed into higher-yielding investment securities and to the repayment of FHLB advances.

Interest expense decreased $8.87 million, driven mostly by the decrease in deposit interest expense of $14.9 million, which primarily resulted from the decrease in rates paid on deposits over the last year, and is discussed further below. The reduction in deposit interest expense was partly offset by a $6.01 million net increase in interest expense on borrowed funds, largely driven by higher average short-term borrowings and FHLB advances, partly offset by a decrease in interest expense on long-term debt. During the second and third quarters of 2026, we utilized short-term borrowings and FHLB advances to fund securities purchases in anticipation of the expected influx of cash from the Navitas sale. Our average long-term debt decreased $122 million compared to the third quarter of 2025, as we repaid $135 million in senior and subordinated debentures since September 30, 2025.

The interest rate environment changes over the past year through mid-September 2026 included aggregate reductions of 75 basis points in the federal funds rate, which drove decreases in funding costs, and to a lesser extent, loan yields for much of the last 12 months. In mid-September 2026, the federal funds rate increased 25 basis points. The changes in rates over the past year drove much of the increases in net interest spread and net interest margin.

For the nine months ended:

FTE net interest revenue for the first nine months of 2026 and 2025 was $729 million and $674 million, respectively. For the first nine months of 2026, our net interest spread increased 31 basis points and our net interest margin increased 19 basis points compared to the same period of 2025. Changes in net interest revenue and related metrics for the nine months ended 2026 were a result of the same factors affecting the three months ended.

38

Table 2 - Average Consolidated Balance Sheets and Net Interest Analysis

For the Three Months Ended September 30,

(dollars in thousands, (FTE))

						2026																		2025
						Average Balance						Interest						Average Rate						Average Balance						Interest						Average Rate
Assets:
Interest-earning assets:
Loans, net of unearned income (FTE) (1)(2)						$	19,797,609					$	302,229					6.06		%				$	19,010,663					$	297,725					6.21		%
Taxable securities (3)						6,318,792						52,839						3.34						6,217,693						51,522						3.31
Tax-exempt securities (FTE) (1)(3)						259,744						2,052						3.16						351,528						2,249						2.56
Other interest-earning assets						814,949						6,761						3.29						413,678						3,389						3.25
Total interest-earning assets (FTE)						27,191,094						363,881						5.32						25,993,562						354,885						5.42
Noninterest-earning assets:
Allowance for credit losses						(174,371)																		(220,805)
Cash and due from banks						141,941																		206,772
Premises and equipment						409,860																		397,490
Other assets (3)						1,773,946																		1,664,648
Total assets						$	29,342,470																	$	28,041,667
Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand						$	5,673,191					27,877						1.95						$	5,825,997					35,050						2.39
Money market						7,252,005						45,747						2.50						6,907,894						50,661						2.91
Savings						1,096,916						489						0.18						1,107,509						641						0.23
Time						3,717,565						29,060						3.10						3,656,172						31,602						3.43
Brokered time deposits						50,699						425						3.33						50,529						521						4.09
Total interest-bearing deposits						17,790,376						103,598						2.31						17,548,101						118,475						2.68
Federal funds purchased and other borrowings						270,956						2,546						3.73						2,284						25						4.34
Federal Home Loan Bank advances						479,674						4,684						3.87						—						—						—
Long-term debt						33,414						526						6.25						155,197						1,721						4.40
Total borrowed funds						784,044						7,756						3.92						157,481						1,746						4.40
Total interest-bearing liabilities						18,574,420						111,354						2.38						17,705,582						120,221						2.69
Noninterest-bearing liabilities:
Noninterest-bearing deposits						6,594,562																		6,366,723
Other liabilities						439,078																		334,443
Total liabilities						25,608,060																		24,406,748
Shareholders' equity						3,734,410																		3,634,919
Total liabilities and shareholders' equity						$	29,342,470																	$	28,041,667
Net interest revenue (FTE)												$	252,527																	$	234,664
Net interest-rate spread (FTE)																		2.94		%																2.73		%
Net interest margin (FTE) (4)																		3.68		%																3.58		%

(1)Interest revenue on tax-exempt securities and loans includes a taxable-equivalent adjustment to reflect comparable interest on taxable securities and loans. The FTE adjustment totaled $1.32 million and $1.04 million, respectively, for the three months ended September 30, 2026 and 2025. The tax rate used to calculate the adjustment was 25%, reflecting the statutory federal income tax rate and the federal tax adjusted state income tax rate.

(2)Included in the average balance of loans outstanding are loans on which the accrual of interest has been discontinued.

(3)Unrealized gains and losses on AFS securities, including those related to the reclassified from AFS to HTM, have been reclassified to other assets. Pretax unrealized losses of $207 million in 2026 and $223 million in 2025 are included in other assets for purposes of this presentation.

(4)Net interest margin is taxable equivalent net interest revenue divided by average interest-earning assets.

39

Table 3 - Average Consolidated Balance Sheets and Net Interest Analysis

For the Nine Months Ended September 30,

(dollars in thousands, (FTE))

						2026																		2025
						Average Balance						Interest						Average Rate						Average Balance						Interest						Average Rate
Assets:
Interest-earning assets:
Loans, net of unearned income (FTE) (1)(2)						$	19,641,031					$	885,136					6.03		%				$	18,632,384					$	859,678					6.17		%
Taxable securities (3)						6,077,529						141,969						3.11						6,480,641						162,885						3.35
Tax-exempt securities (FTE) (1)(3)						315,238						6,480						2.74						354,115						6,730						2.53
Other interest-earning assets						495,951						10,957						2.95						422,123						10,288						3.26
Total interest-earning assets (FTE)						26,529,749						1,044,542						5.26						25,889,263						1,039,581						5.37
Non-interest-earning assets:
Allowance for loan losses						(200,588)																		(217,050)
Cash and due from banks						163,633																		210,027
Premises and equipment						399,958																		397,395
Other assets (3)						1,720,642																		1,637,493
Total assets						$	28,613,394																	$	27,917,128
Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand						$	5,759,773					84,124						1.95						$	6,002,702					109,396						2.44
Money market						6,956,477						127,596						2.45						6,713,585						149,805						2.98
Savings						1,093,764						1,452						0.18						1,133,078						2,722						0.32
Time						3,677,005						85,198						3.10						3,545,792						93,029						3.51
Brokered time deposits						53,843						1,360						3.38						50,488						1,593						4.22
Total interest-bearing deposits						17,540,862						299,730						2.28						17,445,645						356,545						2.73
Federal funds purchased and other borrowings						182,712						5,097						3.73						29,865						1,215						5.44
Federal Home Loan Bank advances						299,963						8,667						3.86						12,824						433						4.51
Long-term debt						68,443						2,528						4.94						215,440						7,198						4.47
Total borrowed funds						551,118						16,292						3.95						258,129						8,846						4.58
Total interest-bearing liabilities						18,091,980						316,022						2.34						17,703,774						365,391						2.76
Noninterest-bearing liabilities:
Noninterest-bearing deposits						6,428,647																		6,304,792
Other liabilities						397,842																		350,211
Total liabilities						24,918,469																		24,358,777
Shareholders' equity						3,694,925																		3,558,351
Total liabilities and shareholders' equity						$	28,613,394																	$	27,917,128
Net interest revenue (FTE)												$	728,520																	$	674,190
Net interest-rate spread (FTE)																		2.92		%																2.61		%
Net interest margin (FTE) (4)																		3.67		%																3.48		%

(1)Interest revenue on tax-exempt securities and loans includes a taxable-equivalent adjustment to reflect comparable interest on taxable securities and loans. The FTE adjustment totaled $3.65 million and $3.01 million, respectively, for the nine months ended September 30, 2026 and 2025. The tax rate used to calculate the adjustment was 25%, reflecting the statutory federal income tax rate and the federal tax adjusted state income tax rate.

(2)Included in the average balance of loans outstanding are loans on which the accrual of interest has been discontinued and loans that are held for sale.

(3)Unrealized gains and losses on AFS securities, including those related to the reclassified from AFS to HTM, have been reclassified to other assets. Pretax unrealized losses of $192 million and $244 million in 2026 and 2025, respectively, are included in other assets for purposes of this presentation.

(4)Net interest margin is taxable equivalent net-interest revenue divided by average interest-earning assets.

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Noninterest Income

The following table presents the components of noninterest income for the periods indicated.

Table 4 - Noninterest Income

(dollars in thousands)

						Three Months Ended September 30,												Change												Nine Months Ended September 30,												Change
						2026						2025						Amount						Percent						2026						2025						Amount						Percent
			Service charges and fees:
			Overdraft fees			$	3,903					$	3,573					$	330					9		%				$	10,534					$	9,894					$	640					6		%
			ATM and debit card fees			4,037						4,232						(195)						(5)						11,637						11,987						(350)						(3)
			Other service charges and fees			3,700						3,595						105						3						9,389						9,176						213						2
			Total service charges and fees			11,640						11,400						240						2						31,560						31,057						503						2
			Mortgage loan gains and related fees			10,714						7,098						3,616						51						25,523						18,590						6,933						37
			Wealth management fees			4,897						4,757						140						3						14,458						13,622						836						6
			Net gains on sales of other loans			63,222						2,385						60,837						n/m						66,062						5,776						60,286						n/m
			Lending and loan servicing fees			3,332						4,235						(903)						(21)						11,401						12,090						(689)						(6)
			Securities (losses) gains, net			(366,101)						49						(366,150)						n/m						(365,970)						341						(366,311)						n/m
			Other noninterest income:
			Customer derivative fees			939						1,454						(515)						(35)						3,678						3,611						67						2
			Trading securities losses			(4,892)						—						(4,892)						n/m						(6,870)						—						(6,870)						n/m
			Other investment income			2,430						2,233						197						9						6,051						2,304						3,747						163
			BOLI			4,763						3,557						1,206						34						9,006						7,692						1,314						17
			Treasury management income			2,685						2,197						488						22						7,598						6,155						1,443						23
			Other			3,199						3,854						(655)						(17)						16,457						12,345						4,112						33
			Total other noninterest income			9,124						13,295						(4,171)						(31)						35,920						32,107						3,813						12
			Total noninterest income			$	(263,172)					$	43,219					$	(306,391)					(709)						$	(181,046)					$	113,583					$	(294,629)					(259)

The increase in mortgage loan gains and related fees for the three and nine months ended September 30, 2026, compared to the same periods of 2025 was primarily a result of an increase in mortgage servicing income of $4.35 million and $6.49 million, respectively, which was mostly driven by positive fair value adjustments to our mortgage servicing asset. During the first quarter of 2026, we began an economic hedging strategy utilizing a trading securities portfolio, with the intention of offsetting the impact of the changes in the fair value of our mortgage servicing asset with the gains or losses on trading securities. During the three and nine months ended September 30, 2026, we recognized $4.89 million and $6.87 million, respectively, in losses on trading securities, which is included in other noninterest income on the consolidated statements of income.

Net gains on sales of other loans for the three and nine months ended September 30, 2026, includes the $62.2 million gain on the sale of Navitas. Excluding that gain, the decrease in net gains on sales of other loans is primarily driven by our strategic decision to retain more SBA/USDA loan production throughout 2026.

Securities losses for the three and nine months ended September 30, 2026, reflects the $366 million of pre-tax losses on security sales executed as part of our strategic balance sheet repositioning. See the Investment section in MD&A for further detail.

The increase in other investment income for the three and nine months ended September 30, 2026, reflects higher earnings on our limited partnership investments. Other investment income for the third quarter of 2026 was offset by lower earnings on fintech and mutual fund investments compared to the third quarter of 2025. Our other investment portfolio includes mutual funds, equity securities, fintech and other limited partnership investments. Gains and losses from these investments are generally unrealized.

The increase in BOLI income for the three months and nine months ended September 30, 2026, was driven by higher death benefit claims recognized compared with the same periods of 2025.

The increase in other noninterest income for the nine months ended September 30, 2026 was primarily driven by the $5.18 million gain on the termination of an interest rate cap accounted for as a cash flow hedge of our $100 million subordinated debt, for which redemption notice was provided in the first quarter of 2026 and which was then subsequently redeemed on April 30, 2026.

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Provision for Credit Losses

We recorded a provision for credit losses of $10.0 million for the three months ended September 30, 2026, and a negative provision of $8.94 million for the nine months ended September 30, 2026, compared to provision expense of $7.91 million and $35.1 million, respectively, for the same periods of 2025. The amount of provision recorded in each period was the amount required such that the total ACL reflected the appropriate balance as determined by management reflecting expected life of loan losses. The negative provision recorded during the nine months ended September 30, 2026, reflects a $38.5 million reversal of ACL associated with the equipment financing portfolio, substantially all of which was transferred to held-for-sale in the second quarter of 2026 in anticipation of the pending sale of Navitas, which subsequently closed on September 1, 2026. Additional discussion on credit quality and the ACL is included in the “Allowance for Credit Losses” section of MD&A in this Report.

Noninterest Expense

The following table presents the components of noninterest expense for the periods indicated.

Table 5 - Noninterest Expense

(dollars in thousands)

						Three Months Ended September 30,												Change												Nine Months Ended September 30,												Change
						2026						2025						Amount						Percent						2026						2025						Amount						Percent
			Salaries and employee benefits			$	96,443					$	90,667					$	5,776					6		%				$	293,934					$	261,931					$	32,003					12		%
			Communications and equipment			14,127						13,937						190						1						41,972						40,968						1,004						2
			Occupancy			11,184						11,502						(318)						(3)						34,141						33,366						775						2
			Advertising and public relations			2,485						2,053						432						21						7,590						6,815						775						11
			Postage, printing and supplies			2,515						2,735						(220)						(8)						8,016						7,791						225						3
			Professional fees			7,420						6,282						1,138						18						19,864						17,822						2,042						11
			Lending and loan servicing expense			2,231						2,428						(197)						(8)						7,918						6,745						1,173						17
			Outside services - electronic banking			3,849						3,543						306						9						10,963						9,876						1,087						11
			FDIC assessments and other regulatory charges			4,900						4,846						54						1						11,496						14,233						(2,737)						(19)
			Amortization of intangibles			3,348						3,313						35						1						9,349						9,891						(542)						(5)
			Merger-related and other charges			6,509						3,468						3,041						n/m						8,277						9,598						(1,321)						n/m
			Other			7,230						6,094						1,136						19						25,938						20,850						5,088						24
			Total noninterest expense			$	162,241					$	150,868					$	11,373					8						$	479,458					$	439,886					$	39,572					9

The increase in salaries and employee benefits for the three and nine months ended September 30, 2026 was mostly driven by increases in salaries, performance-related incentives and stock compensation, as well as higher group insurance costs. The increase in salaries was driven by our current hiring strategy of onboarding experienced and proven revenue producers, which has resulted in over 40 such producers having been added since the third quarter of 2025. At September 30, 2026 and 2025, we had 2,999 and 3,058 full-time equivalent employees, which reflects the reduction resulting from the Navitas sale, partially offset by the addition of Peach State employees. The increase in salaries and employee benefits for the nine months ended September 30, 2026 also reflects the $6.70 million first quarter one-time payroll transition bonus. That bonus was paid to bridge the gap in payroll dates due to the transition from a semi-monthly to a bi-weekly payroll cycle in arrears.

The decrease in FDIC assessments and other regulatory charges for the nine months ended September 30, 2026 reflects a $1.89 million accrual reversal of the FDIC special assessment related to certain 2023 bank failures, as the FDIC announced it no longer intended to collect the remainder of the assessment.

The increase in professional fees for the three and nine months ended September 30, 2026 was primarily attributable to higher legal fees compared to the same periods of 2025, in part driven by the Navitas California lender licensing issue discussed below, as well as other non-recurring expenses.

Merger-related and other charges for the three and nine months ended September 30, 2026 mostly consists of expenses related to the Peach State acquisition, the Navitas sale and branch closure costs. Merger-related and other charges for the three and nine months ended September 30, 2025 include merger-related costs related to the ANB merger, which closed May 1, 2025.

42

During the second quarter of 2026, we reached a settlement with the state of California related to a dispute regarding lending license requirements for Navitas. We agreed to settle the matter for approximately $4.08 million, which was the primary driver of the increase in other noninterest expense for the nine months ended September 30, 2026. Related legal fees of $421,000 were recorded in the second quarter of 2026, which contributed to the increase in professional fees for the nine months ended September 30, 2026.

Income Tax Expense

The following table presents income tax expense and the effective tax rate for the periods indicated.

Table 6 - Income Tax Expense

(dollars in thousands)

									Three Months Ended September 30,												Nine Months Ended September 30,
									2026						2025						2026						2025
			(Loss) income before income taxes						$	(184,220)					$	118,073					$	73,303					$	309,734
			Income tax (benefit) expense						(44,475)						26,579						13,121						68,094
			Effective tax rate						24.1		%				22.5		%				17.9		%				22.0		%

The effective tax rate for the three months ended September 30, 2026, reflects the tax effects of both the securities sales and the gain on the sale of Navitas, both of which were recognized during the quarter. The effective tax rate for the nine months ended September 30, 2026, results from the benefit from the securities losses being applied at the blended federal and state statutory rates, which is higher than our effective tax rate mostly due to the impact of tax exempt revenue.

Managing Risk

Our business purpose is to provide financial services and products to customers, which inherently comes with risk. We strive to manage, mitigate and optimize that risk appropriately. We maintain an enterprise risk framework that provides structure of the governance and oversight of our primary risk categories, which include credit, liquidity, market/interest rate, capital, strategic, operational, legal/compliance and reputation. The objective of our risk framework is to establish a formal structure for identifying, assessing, managing, monitoring and reporting risks in order to assist the Bank in achieving its strategic objectives.

The following discussion of our financial results and activities for the periods covered by this Report are grouped into their most relevant risk categories of Credit Risk Management, Liquidity Risk Management, Market / Interest Rate Risk Management and Capital Risk Management. For more information on our risks, see Item 1A. Risk Factors and the Managing Risk section in MD&A of the 2025 10-K.

Credit Risk Management

Our loan portfolio is the largest asset class on our balance sheet; therefore, credit risk management plays a key role in our overall risk management infrastructure. Credit risk is inherent to the lending function; thus, a sound risk management system is essential to maximize returns within acceptable risk parameters.

Asset Quality

We manage asset quality and control credit risk through review and oversight of the loan portfolio as well as adherence to policies designed to promote sound underwriting and loan monitoring practices. Our credit risk management function is responsible for monitoring asset quality and Board approved portfolio concentration limits, establishing credit policies and procedures and enforcing the consistent application of these policies and procedures.

We conduct reviews of classified performing and non-performing loans, FDMs, past due loans and portfolio concentrations on a regular basis to identify risk migration and potential charges to the ACL. These items are discussed in a series of meetings attended by Credit Risk Management and other senior leadership from various lending groups. In addition to the reviews mentioned above, an independent loan review team reviews the portfolio to ensure consistent application of credit and risk rating policies and procedures.

For more information, see Credit Risk Management in the MD&A of the 2025 10-K.

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Loans Held for Investment

As of September 30, 2026, loans held for investment totaled $19.0 billion, compared to $19.4 billion at December 31, 2025. During 2026, we acquired $520 million of loans in the Peach State transaction, after the reclassification of the credit related purchase discount to the ACL, and we sold $1.95 billion in equipment financing loans with the Navitas sale. Excluding these transactions and the growth in equipment finance loans in 2026 prior to the sale of Navitas, we had organic loan growth of $932 million from December 31, 2025, which we believe is reflective of one of our current key initiatives to onboard experienced and proven revenue producers, having hired over 40 since the third quarter of 2025.

Allowance for Credit Losses

The ACL reflects our assessment of the life of loan expected credit losses in the loan portfolio and unfunded loan commitments. This assessment involves uncertainty and judgment and is subject to change in future periods. See the Critical Accounting Estimates section of MD&A in our 2025 10-K for additional information on the ACL.

The ACL for loans at September 30, 2026 totaled $179 million compared to $210 million at December 31, 2025 and the ACL for loans as a percentage of total loans held for investment decreased to 0.94% from 1.09%. The decrease in the ACL was primarily attributable to the release of the ACL on the equipment financing loans sold in the Navitas transaction. As the equipment financing loans carried a higher projected loss rate, the ACL coverage ratio decreased in correlation with the release of the ACL on those loans. The ACL as of September 30, 2026, also reflects the initial ACL of $5.87 million on loans acquired in the Peach State transaction. The ACL for the remainder of the loan portfolio increased approximately 5%, mostly due to loan growth. Our ACL for unfunded commitments, which totaled $21.1 million, increased $6.00 million compared to December 31, 2025, due to an increase in our construction commitments combined with a higher modeled loss rate, as well as the addition of Peach State’s unfunded commitments.

The following tables provide information on loans and the ACL for the periods indicated. See Note 5 in the Notes to the Consolidated Financial Statements for further information on loans and the ACL.

Table 7 - Loan Portfolio Composition and ACL Allocation

(dollars in thousands)

						September 30, 2026																								December 31, 2025
						Loans						% of portfolio						ACL						ACL to Loans						Loans						% of portfolio						ACL						ACL to Loans
			Owner occupied CRE			$	4,336,019					23		%				$	33,121					0.76		%				$	3,949,898					20		%				$	24,888					0.63		%
			Income producing CRE			5,216,693						27						40,627						0.78						5,032,342						26						44,071						0.88
			Commercial & industrial			2,976,297						16						45,894						1.54						2,696,291						14						43,269						1.60
			Commercial construction & land			1,360,067						7						15,490						1.14						997,802						5						8,286						0.83
			Equipment financing			—						—						—						—						1,847,999						10						45,852						2.48
			Total commercial			13,889,076						73						135,132						0.97						14,524,332						75						166,366						1.15
			Residential mortgage			3,198,097						17						26,818						0.84						3,157,017						16						29,241						0.93
			Home equity			1,503,704						8						13,371						0.89						1,319,474						7						11,849						0.90
			Residential construction & land			211,222						1						2,212						1.05						190,625						1						1,799						0.94
			Consumer			195,227						1						1,610						0.82						187,536						1						1,174						0.63
			Total (1)			$	18,997,326											$	179,143					0.94						$	19,378,984											$	210,429					1.09

(1) Loans presented exclude fair value hedge basis adjustments.

44

The following table provides a summary of net charge-offs to average loans for the periods indicated.

Table 8 - Net Charge-offs to Average Loans Held for Investment

(dollars in thousands)

						Three Months Ended September 30,												Nine Months Ended September 30,
						2026						2025						2026						2025
			Net charge-offs (recoveries)
			Owner occupied CRE			$	837					$	2,497					$	(1,944)					$	3,093
			Income producing CRE			(17)						(106)						(45)						1,545
			Commercial & industrial			2,281						(1,132)						12,449						2,342
			Commercial construction			(23)						491						(39)						442
			Equipment financing			—						5,487						9,532						15,492
			Residential mortgage			84						(259)						274						53
			Home equity			(141)						19						(219)						(115)
			Residential construction			107						12						113						222
			Consumer			845						667						2,093						2,434
			Total net charge-offs			$	3,973					$	7,676					$	22,214					$	25,508
			Average loans held for investment
			Owner occupied CRE			$	4,259,546					$	3,596,119					$	4,091,935					$	3,465,214
			Income producing CRE			5,071,945						4,558,960						5,012,377						4,518,396
			Commercial & industrial			2,867,277						2,547,228						2,794,281						2,502,676
			Commercial construction			1,250,736						1,759,235						1,146,502						1,712,303
			Equipment financing			—						1,771,095						1,234,929						1,716,466
			Residential mortgage			3,198,234						3,203,555						3,153,482						3,218,995
			Home equity			1,443,025						1,206,131						1,376,241						1,135,693
			Residential construction			217,675						178,286						198,319						176,550
			Consumer			194,034						190,054						189,516						186,091
			Total average loans HFS			$	18,502,472					$	19,010,663					$	19,197,582					$	18,632,384
			Net charge-offs to average loans held for investment (1)
			Owner occupied CRE			0.08		%				0.28		%				(0.06)		%				0.12		%
			Income producing CRE			—						(0.01)						—						0.05
			Commercial & industrial			0.32						(0.18)						0.60						0.13
			Commercial construction			(0.01)						0.11						—						0.03
			Equipment financing			—						1.23						1.03						1.21
			Residential mortgage			0.01						(0.03)						0.01						—
			Home equity			(0.04)						0.01						(0.02)						(0.01)
			Residential construction			0.20						0.03						0.08						0.17
			Consumer			1.73						1.39						1.48						1.75
			Total			0.09						0.16						0.15						0.18

(1) Annualized.

45

Nonperforming Assets

NPAs include nonaccrual loans, OREO and repossessed assets. The table below summarizes NPAs for the periods indicated. The decrease since December 31, 2025, was driven primarily by the sale of Navitas, reflected in the decrease in equipment financing nonaccrual loans shown below.

Table 9 - NPAs

(dollars in thousands)

						September 30, 2026						December 31, 2025						$ Change
			Nonaccrual loans:
			Owner occupied CRE			$	12,002					$	11,165					$	837
			Income producing CRE			10,880						11,488						(608)
			Commercial & industrial			16,585						18,294						(1,709)
			Commercial construction & land			106						18						88
			Equipment financing			—						10,383						(10,383)
			Total commercial			39,573						51,348						(11,775)
			Residential mortgage			31,444						32,423						(979)
			Home equity			6,060						5,247						813
			Residential construction & land			281						1,079						(798)
			Consumer			962						1,001						(39)
			Total nonaccrual loans			78,320						91,098						(12,778)
			OREO and repossessed assets			2,950						2,400						550
			Total NPAs			$	81,270					$	93,498					$	(12,228)
			Nonaccrual loans held for investment as a percentage of total loans held for investment			0.41		%				0.47		%
			NPAs as a percentage of total assets			0.28						0.33
			ACL - loans to nonaccrual loans coverage ratio			2.29						2.31

Concentration Considerations

Commercial loans make up 73% of our loan portfolio, which as of September 30, 2026, includes owner occupied and income producing real estate, commercial and industrial and commercial construction and land.

Approximately 83% of our loan portfolio is secured by real estate and therefore can be affected by changes in real estate valuation.

46

Non-owner occupied CRE loans

The following table provides industry concentrations of our non-owner occupied CRE loans, which include the income producing CRE portfolio and non-owner occupied commercial construction loans as of the dates indicated.

Table 10 - Industry Concentrations of Non-Owner Occupied CRE Loans

(dollars in thousands)

									September 30, 2026												December 31, 2025
									Total						% of loans in category						Total						% of loans in category
			Retail						$	1,438,301					23		%				$	1,338,882					23		%
			Office						1,043,492						16						898,359						15
			Multifamily						898,228						14						889,579						15
			Warehouse and industrial						749,829						12						656,749						11
			Hotel						437,384						7						487,467						8
			Builder finance						405,565						6						360,698						6
			Rental 1-4 family						379,660						6						325,105						6
			Self storage						371,113						6						296,583						5
			Other						320,841						5						265,937						5
			Senior care						150,394						2						204,558						3
			Land						173,007						3						155,956						3
			Total						$	6,367,814					100		%				$	5,879,873					100		%

Liquidity Risk Management

Liquidity is defined as the ability to convert assets into cash or cash equivalents without significant loss and to raise additional funds by increasing liabilities. The primary objective of liquidity management is to maintain the ability to meet the daily cash flow requirements of customers, both depositors and borrowers, at a reasonable cost. As part of our liquidity management, we focus on maximizing the amount of securities and loans available as collateral for contingent liquidity sources and calibrating our assumptions in our liquidity stress test on an ongoing basis, particularly as it relates to deposit duration. We maintain an unencumbered liquid asset reserve to help ensure our ability to meet our obligations under normal conditions for at least a 12-month period and under severely adverse liquidity conditions for a minimum of 30 days. While the desired level of liquidity will vary depending upon a variety of factors, our primary goal is to maintain a sufficient level of liquidity in all expected economic environments.

The Bank’s main source of liquidity is customer deposit accounts. Liquidity is also available from cash and cash equivalents and wholesale funding sources consisting primarily of Federal funds purchased, securities sold under agreements to repurchase, FHLB advances and brokered deposits. Wholesale funding instruments are generally short-term in nature and used as necessary to fund asset growth and meet other short-term liquidity needs. Our loan and securities portfolios also provide liquidity primarily through loan principal and interest payments and the maturities and sales of securities, as well as the ability to use these assets as collateral for borrowings on a secured basis.

For more information, see Liquidity Risk Management in the MD&A of the 2025 10-K.

47

At September 30, 2026 and December 31, 2025, we had sufficient liquid funds and qualifying collateral to support additional borrowings, which are detailed in the table below.

Table 11 - Liquid Funds and Unused Borrowing Capacity
(in thousands)
						September 30, 2026						December 31, 2025
			Available liquid funds:
			Cash and cash equivalents			$	781,605					$	395,754
			Unused Borrowing Capacity (1):
			FHLB			2,186,277						2,006,045
			Federal Reserve - Discount Window			1,918,351						2,347,191
			Unpledged securities available as collateral for additional borrowings			4,407,013						3,007,534
			Total available funds			$	9,293,246					$	7,756,524

(1) Based on collateral pledged.

In addition, because the Holding Company is a separate entity and distinct from the Bank, it must provide for its own liquidity. The Holding Company is responsible for the payment of dividends declared for its common shareholders, and interest and principal on any outstanding debt or trust preferred securities. The Holding Company currently has sufficient liquid assets to meet these obligations. Holding Company liquidity is maintained at a level of at least 125% of the next 12 months of forecasted cash obligations.

In the opinion of management, our liquidity position at September 30, 2026 was sufficient to meet our expected cash flow requirements for the foreseeable future.

Investment Securities

The composition of the investment securities portfolio reflects our investment strategy of maintaining an appropriate level of liquidity while providing a relatively stable source of revenue. The investment securities portfolio also provides a balance to interest rate risk and credit risk in other categories of the balance sheet while providing a vehicle for the investment of available funds, furnishing liquidity, and supplying securities to pledge as required collateral for certain deposits and borrowings. The table below summarizes the carrying value of our securities portfolio and other relevant portfolio metrics including weighted-average life and effective duration as of the dates presented. Effective duration represents the expected change in the price of a security when rates change by 100 basis points.

Table 12 - AFS and HTM Investment Securities

(dollars in thousands)

						September 30, 2026												December 31, 2025
						Carrying Value						% of portfolio						Carrying Value						% of portfolio						$ Change
			AFS			$	6,546,796					100		%				$	3,750,863					63		%				$	2,795,933
			HTM			—						—						2,237,356						37						(2,237,356)
			Total AFS and HTM investment securities			$	6,546,796											$	5,988,219											$	558,577
			AFS and HTM investment securities as a % of total assets			23		%										21		%
			Weighted average life			4.6 years												5.4 years
			Swap adjusted effective duration			2.0		%										3.5		%
			Effective duration			2.0												3.8

In September 2026, following the sale of Navitas, we completed a strategic balance sheet repositioning transaction designed to shorten the duration of our investment securities portfolio, thereby reducing interest rate risk, as well as improving future net interest revenue, net interest margin, and earnings performance. As part of the repositioning, we reclassified $2.16 billion in HTM debt securities to AFS. We then sold approximately $2.47 billion of certain lower-yielding investment securities for a pre-tax loss of $366 million. The transaction was undertaken to accelerate the replacement of long duration, lower-yielding securities acquired during a lower interest rate environment with higher-yielding earning assets.

48

The sold securities carried a weighted average yield of 2.16% and a weighted average effective duration of approximately 5.2 years. We initially redeployed the proceeds from both the Navitas sale and the balance sheet repositioning primarily into cash and short-duration securities, reducing its interest rate risk profile and aiming to improve its future earnings profile. Over time, we intend to remix a portion of the balance sheet from securities into higher yielding organic loan growth.

We utilize fair value hedges on a portion of our AFS securities portfolio in order to mitigate the impact of potential future unrealized losses on our tangible common equity. Gains and losses related to the hedge and hedged item are reflected in investment securities interest income. The changes in the fair value of the hedge and the hedged item substantially offset each other. During the third quarter of 2026, in connection with the sales of the securities discussed above, we terminated all but one fair value hedge on the AFS securities. See Note 6 in the Notes to the Consolidated Financial Statements further detail on derivatives.

See Note 4 in the Notes to the Consolidated Financial Statements for additional detail on investment securities.

Deposits

Customer deposits are the primary source of funds for the continued growth of our earning assets. We believe our high level of service, as evidenced by our strong customer satisfaction scores, is instrumental in attracting and retaining customer deposit accounts. Since December 31, 2025, customer deposits increased $1.09 billion, which was partly attributable to the deposits assumed in the Peach State acquisition, which totaled $678 million as of the acquisition date. As of September 30, 2026, we had approximately $10.0 billion of uninsured deposits, of which $2.80 billion was collateralized by investment securities.

Table 13 - Deposits

(dollars in thousands)

						September 30, 2026												December 31, 2025
						Balance						% of Total						Balance						% of Total
			Noninterest-bearing demand			$	6,751,068					27		%				$	6,252,252					26		%
			NOW and interest-bearing demand			5,762,468						23						5,969,864						25
			Money market and savings			8,469,729						34						7,781,861						33
			Time			3,733,490						15						3,619,189						15
			Total customer deposits			24,716,755						99						23,623,166						99
			Brokered deposits			171,102						1						175,264						1
			Total deposits			$	24,887,857											$	23,798,430

Borrowing Activities

At September 30, 2026 and December 31, 2025, the Holding Company had long-term debt outstanding of $39.7 million and $120 million, respectively, which included subordinated debt and trust preferred securities. On April 30, 2026, we redeemed $100 million in principal amount of subordinated debentures prior to maturity. On August 1, 2026, we assumed $19.5 million of subordinated debentures from the Peach State merger. At June 30, 2026, we had $800 million of FHLB advances and $360 million in short-term borrowings outstanding, which were utilized to facilitate securities purchases and fund loan growth. In the third quarter, those borrowings were repaid with the proceeds from the sale of Navitas. At September 30, 2026, we had no FHLB advances or short-term borrowings outstanding.

Contractual Obligations and Off-Balance Sheet Arrangements

There have not been any material changes to our contractual obligations and off-balance sheet arrangements since December 31, 2025.

Interest Rate Sensitivity Management

Interest rate sensitivity is a function of the repricing characteristics of the portfolio of assets and liabilities. Repricing characteristics are the time frames within which the interest rates on interest-earning assets and interest-bearing liabilities are subject to change either at replacement, repricing or maturity.

Management uses an asset/liability simulation model to measure the potential change in net interest revenue over time using multiple interest rate scenarios. Our modeling is based on the 12-month impact on net interest revenue simulations with various interest rate shocks and ramps, which are compared to a base scenario that assumes rates remain unchanged. In the shock scenarios, rates immediately change the full amount at the scenario onset. In the ramp scenarios, rates change by 25 basis points per month until they reach the predetermined levels.

49

The following table presents our estimated interest sensitivity position at the dates indicated. The scenario results presented assume parallel movements in the yield curve, which may differ from actual future curve behavior. This presentation generally assumes no change in balance sheet size or composition.

Table 14 - Interest Sensitivity

									Increase (Decrease) in Net Interest Revenue from Base Scenario at
									September 30, 2026												December 31, 2025
			Change in Rates						Shock						Ramp						Shock						Ramp
			200 basis point increase						2.91		%				2.61		%				0.52		%				0.66		%
			100 basis point increase						1.61						1.63						0.41						0.39
			100 basis point decrease						(2.31)						(2.27)						(0.81)						(0.69)
			200 basis point decrease						(4.71)						(3.73)						(2.06)						(1.35)

The changes in the interest rate sensitivity scenario results presented above since December 31, 2025 were primarily driven by the balance sheet repositioning initiated during September 2026. As part of the repositioning, we sold fixed-rate, longer duration assets and reinvested in floating-rate, lower duration assets, the effect of which is reflected in the results presented for September 30, 2026.

Capital Risk Management

The maintenance and management of capital levels are significant priorities of management. We are committed to maintaining a capital position that will support ongoing operations and the achievement of our strategic objectives. The ALCO and the Board are responsible for establishing capital adequacy risk ranges that are appropriate given the risks to which we are exposed and the environment in which we operate. Current and projected capital levels are compared to capital adequacy risk ranges and reported quarterly to the ALCO and the Board. We utilize a baseline capital forecast as part of our capital management and planning process to evaluate current and future capital needs. We also use hypothetical stressed scenarios and sensitivity analyses, based on changing economic conditions and scenarios, including potential merger and acquisition transactions and debt/capital market activities. Forecasting alternative capital scenarios helps inform overall capital adequacy and capital ranges.

Shareholders’ Equity Highlights

Shareholders’ equity at September 30, 2026, was $3.51 billion, a decrease of $131 million from December 31, 2025, which reflects other comprehensive loss of $69.0 million, common stock repurchases of $87.8 million, which were partially offset by $47.9 million in shares issued in the Peach State merger, and dividends of $92.4 million declared on common stock. These decreases were partially offset by year-to-date earnings of $60.2 million. The other comprehensive loss was primarily driven by a $104 million increase in net unrealized losses on AFS securities, including losses recorded upon transfer of securities from HTM to AFS. Common dividends per share were $0.26 and $0.76, respectively, for the three and nine months ended September 30, 2026, compared to $0.25 and $0.73, respectively, for the three and nine months ended September 30, 2025.

50

Regulatory Capital

The following table shows capital composition as of September 30, 2026 and December 31, 2025. The decrease in Tier 2 capital instruments reflects the redemption of the $100 million subordinated debenture in the second quarter of 2026, which was subject to phase-out provisions as it approached maturity. This decrease was partially offset by subordinated debentures assumed in the Peach State acquisition on August 1, 2026.

Table 15 - Capital Composition under Basel III

(in thousands)

						United Community Banks, Inc. (Consolidated)												United Community Bank
						September 30, 2026						December 31, 2025						September 30, 2026						December 31, 2025
Total common shareholders' equity						$	3,507,307					$	3,638,686					$	3,221,024					$	3,391,455
Goodwill						(977,241)						(925,119)						(977,241)						(925,119)
Intangibles, other than goodwill and mortgage servicing rights, net of associated DTLs						(41,941)						(37,274)						(41,941)						(37,274)
DTAs arising from net operating loss and tax credit carryforwards						(7,037)						(2,133)						(6,565)						(2,156)
Net unrealized losses on AFS securities						221,341						117,606						220,925						116,985
Accumulated net gains on cash flow hedges						(2,059)						(5,618)						—						—
Net unrealized losses on HTM securities that are included in AOCI						—						38,308						—						38,308
Other						247						276						247						276
CET1 / Tier 1 Capital						2,700,617						2,824,732						2,416,449						2,582,475
Tier 2 capital instruments						41,579						65,000						—						—
Qualifying ACL						189,221						215,074						189,221						215,074
Total capital						$	2,931,417					$	3,104,806					$	2,605,670					$	2,797,549

The following table shows capital ratios, as calculated under applicable regulatory guidelines, at September 30, 2026 and December 31, 2025. As of September 30, 2026, capital levels remained characterized as “well-capitalized” under regulatory requirements in effect at the time. Additional information related to capital ratios is provided in Note 11 in the Notes to the Consolidated Financial Statements.

Table 16 - Capital Ratios

																								United Community Banks, Inc. (Consolidated)												United Community Bank
						Minimum						Well- Capitalized						Minimum Capital Plus Capital Conservation Buffer						September 30, 2026						December 31, 2025						September 30, 2026						December 31, 2025
Risk-based ratios:
CET1 capital						4.5		%				6.5		%				7.0		%				13.05		%				13.44		%				11.73		%				12.34		%
Tier 1 capital						6.0						8.0						8.5						13.05						13.44						11.73						12.34
Total capital						8.0						10.0						10.5						14.17						14.77						12.65						13.37
Leverage ratio						4.0						5.0						N/A						9.49						10.28						8.53						9.42

Effect of Inflation and Changing Prices

A bank’s asset and liability structure is substantially different from that of an industrial firm in that primarily all assets and liabilities of a bank are monetary in nature with relatively little investment in fixed assets or inventories. Management believes the effect of inflation on financial results depends on our ability to react to changes in interest rates, and by such reaction, reduce the inflationary effect on performance. We have an asset/liability management program to manage interest rate sensitivity. In addition, periodic reviews of banking services and products are conducted to adjust pricing in view of current and expected costs.

51

Critical Accounting Estimates

In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. Our accounting and reporting estimates are in accordance with GAAP and conform to customary practices within the banking industry. Estimates that are susceptible to significant changes include accounting for the ACL and fair value measurements, both of which require significant judgments by management. Actual results could differ significantly from those estimates. Also, different assumptions in the application of these accounting estimates could result in material changes in our consolidated financial position or consolidated results of operations. Our critical accounting estimates are discussed in MD&A in our 2025 10-K.

52

			UNITED COMMUNITY BANKS, INC.
			Table 17 - Non-GAAP Performance Measures Reconciliation
			(dollars in thousands, except per share data)
									2026																		2025												For the Nine Months Ended September 30,
									Third Quarter						Second Quarter						First Quarter						Fourth Quarter						Third Quarter						2026						2025
			Noninterest income reconciliation
			Noninterest income (GAAP)						$	(263,172)					$	38,380					$	43,746					$	40,462					$	43,219					$	(181,046)					$	113,583
			Loss on securities portfolio repositioning						366,101						—						—						—						—						366,101						—
			Gain on sale on Navitas						(62,230)						—						—						—						—						(62,230)						—
			Gain on terminated cash flow hedge						—						—						(5,184)						—						—						(5,184)						—
			Noninterest income - operating						$	40,699					$	38,380					$	38,562					$	40,462					$	43,219					$	117,641					$	113,583
			Noninterest expense reconciliation
			Noninterest expense (GAAP)						$	162,241					$	159,915					$	157,302					$	152,048					$	150,868					$	479,458					$	439,886
			Payroll transition bonus						—						—						(6,704)						—						—						(6,704)						—
			FDIC special assessment accrual reversal						—						—						1,885						—						—						1,885						—
			Merger-related and other charges						(6,509)						(895)						(873)						(606)						(3,468)						(8,277)						(9,598)
			Noninterest expense - operating						$	155,732					$	159,020					$	151,610					$	151,442					$	147,400					$	466,362					$	430,288
			Net income to operating income reconciliation
			Net income (GAAP)						$	(139,745)					$	115,638					$	84,289					$	86,455					$	91,494					$	60,182					$	241,640
			Loss on securities portfolio repositioning						366,101						—						—						—						—						366,101						—
			Gain on sale on Navitas						(62,230)						—						—						—						—						(62,230)						—
			Gain on terminated cash flow hedge						—						—						(5,184)						—						—						(5,184)						—
			Release of ACL on equipment finance loans						—						(38,477)						—						—						—						(38,477)						—
			Payroll transition bonus						—						—						6,704						—						—						6,704						—
			FDIC special assessment accrual reversal						—						—						(1,885)						—						—						(1,885)						—
			Merger-related and other charges						6,509						895						873						606						3,468						8,277						9,598
			Income tax benefit of non-operating items						(76,932)						8,347						(113)						(133)						(751)						(68,698)						(2,079)
			Net income - operating						$	93,703					$	86,403					$	84,684					$	86,928					$	94,211					$	264,790					$	249,159
			Diluted income per common share reconciliation
			Diluted income per common share (GAAP)						$	(1.16)					$	0.95					$	0.69					$	0.70					$	0.70					$	0.49					$	1.91
			Loss on securities portfolio repositioning						2.28						—						—						—						—						2.27						—
			Gain on sale on Navitas						(0.39)						—						—						—						—						(0.39)						—
			Gain on terminated cash flow hedge						—						—						(0.03)						—						—						(0.03)						—
			Release of ACL on equipment finance loans						—						(0.25)						—						—						—						(0.25)						—
			Payroll transition bonus						—						—						0.04						—						—						0.04						—
			FDIC special assessment accrual reversal						—						—						(0.01)						—						—						(0.01)						—
			Merger-related and other charges						0.04						0.01						0.01						0.01						0.02						0.06						0.06
			Deemed dividend on preferred stock redemption						—						—						—						—						0.03						—						0.03
			Diluted income per common share - operating						$	0.77					$	0.71					$	0.70					$	0.71					$	0.75					$	2.18					$	2.00
			Book value per common share reconciliation
			Book value per common share (GAAP)						$	29.27					$	31.27					$	30.54					$	30.17					$	29.44					$	29.27					$	29.44
			Effect of goodwill and other intangibles						(8.47)						(7.96)						(7.98)						(7.93)						(7.85)						(8.47)						(7.85)
			Tangible book value per common share						$	20.80					$	23.31					$	22.56					$	22.24					$	21.59					$	20.80					$	21.59

53

			UNITED COMMUNITY BANKS, INC.
			Table 17 - Non-GAAP Performance Measures Reconciliation
			(dollars in thousands, except per share data)
									2026																		2025												For the Nine Months Ended September 30,
									Third Quarter						Second Quarter						First Quarter						Fourth Quarter						Third Quarter						2026						2025
			Return on tangible common equity reconciliation
			Return on common equity (GAAP)						(14.85)		%				12.56		%				9.35		%				9.48		%				9.20		%				2.18		%				8.53		%
			Loss on securities portfolio repositioning						29.30						—						—						—						—						9.98						—
			Gain on sale on Navitas						(5.03)						—						—						—						—						(1.71)						—
			Gain on terminated cash flow hedge						—						—						(0.45)						—						—						(0.15)						—
			Release of ACL on equipment finance loans						—						(3.25)						—						—						—						(1.08)						—
			Payroll transition bonus						—						—						0.58						—						—						0.19						—
			FDIC special assessment accrual reversal						—						—						(0.16)						—						—						(0.05)						—
			Merger-related and other charges						0.53						0.08						0.07						0.05						0.29						0.22						0.27
			Deemed dividend on preferred stock redemption						—						—						—						—						0.34						—						0.12
			Return on common equity - operating						9.95						9.39						9.39						9.53						9.83						9.58						8.92
			Effect of goodwill and other intangibles						3.95						3.59						3.66						3.78						3.73						3.74						3.65
			Return on tangible common equity - operating						13.90		%				12.98		%				13.05		%				13.31		%				13.56		%				13.32		%				12.57		%
			Return on assets reconciliation
			Return on assets (GAAP)						(1.89)		%				1.63		%				1.22		%				1.21		%				1.29		%				0.28		%				1.16		%
			Loss on securities portfolio repositioning						3.73						—						—						—						—						1.29						—
			Gain on sale on Navitas						(0.64)						—						—						—						—						(0.22)						—
			Gain on terminated cash flow hedge						—						—						(0.06)						—						—						(0.02)						—
			Release of ACL on equipment finance loans						—						(0.42)						—						—						—						(0.14)						—
			Payroll transition bonus						—						—						0.07						—						—						0.02						—
			FDIC special assessment accrual reversal						—						—						(0.02)						—						—						(0.01)						—
			Merger-related and other charges						0.07						0.01						0.01						0.01						0.04						0.04						0.03
			Return on assets - operating						1.27		%				1.22		%				1.22		%				1.22		%				1.33		%				1.24		%				1.19		%
			Efficiency ratio reconciliation
			Efficiency ratio (GAAP)						n/m						57.01		%				56.66		%				54.40		%				54.30		%				n/m						55.86		%
			Loss on securities portfolio repositioning						n/m						—						—						—						—						(35.09)						—
			Gain on sale on Navitas						n/m						—						—						—						—						3.84						—
			Gain on terminated cash flow hedge						—						—						1.03						—						—						0.35						—
			Payroll transition bonus						—						—						(2.41)						—						—						(0.79)						—
			FDIC special assessment accrual reversal						—						—						0.68						—						—						0.22						—
			Merger-related and other charges						(2.22)						(0.32)						(0.31)						(0.21)						(1.25)						(0.99)						(1.22)
			Efficiency ratio - operating						53.11		%				56.69		%				55.65		%				54.19		%				53.05		%				55.12		%				54.64		%
			Tangible common equity to tangible assets reconciliation
			Equity to total assets (GAAP)						12.14		%				12.89		%				12.97		%				12.99		%				12.78		%				12.14		%				12.78		%
			Effect of goodwill and other intangibles						(3.19)						(2.95)						(3.05)						(3.07)						(3.07)						(3.19)						(3.07)
			Tangible common equity to tangible assets						8.95		%				9.94		%				9.92		%				9.92		%				9.71		%				8.95		%				9.71		%

Item 3.    Quantitative and Qualitative Disclosure About Market Risk

In the third quarter of 2026, we sold AFS securities with an aggregate amortized cost of $2.47 billion and a weighted average effective duration of 5.2% for cash proceeds of $2.10 billion, for which we recognized a pre-tax loss of $366 million. The proceeds were reinvested in securities with a weighted average effective duration of 1.5%, thereby significantly reducing our exposure to rising interest rates. The effect of this repositioning of our investment securities portfolio is reflected in amounts reported as of September 30, 2026 in Tables 12 and 14 in MD&A of this Report and incorporated herein by this reference.

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Item 4.    Controls and Procedures

    (a) Disclosure Controls and Procedures. Under the supervision and with the participation of our management, including our principal executive officer and principal financial officer, we conducted an evaluation of our disclosure controls and procedures (as such term is defined in Exchange Act Rule 13a-15(e)) as of September 30, 2026. Based on that evaluation, our principal executive officer and chief financial officer concluded that our disclosure controls and procedures were effective as of the end of the period covered by this Report.

On August 1, 2026, we completed our acquisition of Peach State Bancshares, Inc. (“Peach State”) as described in Note 3 in the Notes to the Consolidated Financial Statements. We are in the process of evaluating the existing controls and procedures of Peach State and integrating Peach State into our disclosure controls and procedures and internal control over financial reporting. In accordance with published SEC Staff guidance permitting a company to exclude an acquired business from management’s assessment of the effectiveness of internal control over financial reporting for the year in which the acquisition is completed, and similarly exclude an acquired business from the quarterly evaluation of disclosure controls and procedures to the extent that they are subsumed by internal control over financial reporting, the scope of management’s assessment of the effectiveness of the design and operation of the Company’s disclosure controls and procedures as of September 30, 2026 includes all of our consolidated operations except for those disclosure controls and procedures of Peach State that are subsumed by internal control over financial reporting. The Peach State acquisition represented approximately 3% of total consolidated assets at September 30, 2026 and approximately 1% of our total consolidated revenue for the nine months ended September 30, 2026.

    (b) Changes in Internal Control Over Financial Reporting. No change in our internal control over financial reporting (as such term is defined in Exchange Act Rule 13a-15(f)) occurred during the fiscal quarter ended September 30, 2026 that materially affected, or is reasonably likely to materially affect, our internal control over financial reporting. We are currently in the process of assessing and integrating Peach State’s internal control over financial reporting with our existing internal control over financial reporting.

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Part II. OTHER INFORMATION 

Item 1A. Risk Factors

Except with respect to the additional risk factor related to the proposed Peach State merger set forth below, there have been no material changes to the risk factors previously disclosed in the 2025 10-K, except for that set forth in Item 1A. Risk Factors in our Quarterly Report on Form 10-Q for the Quarterly Period Ended June 30, 2026, which is incorporated herein by reference.

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

Issuer Purchases of Equity Securities

The following table contains information regarding purchases of our common stock made during the quarter ended September 30, 2026 by or on behalf of United or any “affiliated purchaser,” as defined by Rule 10b-18(a)(3) of the Exchange Act:

Common Stock Repurchases
(Dollars in thousands, except for per share amounts)						Total Number of Shares Purchased						Average Price Paid per Share(1)(2)						Total Number of Shares Purchased as Part of Publicly Announced Plans or Programs						Approximate Dollar Value of Shares that May Yet Be Purchased Under the Plans or Programs (2)(3)
July 1, 2026 - July 31, 2026						521,832						$	35.32					521,832						44,457
August 1, 2026 - August 31, 2026						873,268						$	36.10					873,268						12,906
September 1, 2026 - September 30, 2026						—						—						—						112,906
Total						1,395,100						35.81						1,395,100

(1) Excludes commissions.

(2) Excludes excise tax on share repurchases.

(3) Under United’s common stock repurchase program, as amended to date, as of the end of the period covered by this Report, management had authorization to repurchase up to $113 million of its common stock. The program currently is scheduled to expire on the earlier of the repurchase of our common stock having an aggregate purchase price of $113 million or December 31, 2027. See Note 14 in the Notes to the Financial Statements for further detail. Under the program, shares may be repurchased in open market transactions or in privately negotiated transactions, from time to time, subject to market conditions, including transactions outside the safe harbor provided by Exchange Act Rule 10b-18 (but nevertheless adhering to Rule 10b-18’s requirements). The repurchase program may be modified, suspended or discontinued at any time at the Company’s discretion without prior notice, and does not commit the Company to repurchase shares of its common stock. The actual number and value of the shares to be purchased will be determined by the Company at its discretion, and will depend on a number of factors including the market price of United’s common stock, general market and economic conditions, the availability of alternative investment opportunities and other factors the Company deems appropriate.

Item 5. Other Information

During the quarter ended September 30, 2026, no director or officer of the Company adopted, modified or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.

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Item 6. Exhibits

(d)     Exhibits. See Exhibit Index below.

EXHIBIT INDEX
Exhibit No.						Description
2.1						Stock Purchase Agreement, dated as of June 11, 2026, by and among United Community Bank, United Community Banks, Inc. (solely for the limited purposes set forth therein), and Navitas TopCo LLC (incorporated herein by reference to Exhibit 2.1 to United Community Bank Inc.'s Current Report on Form 8-K dated June 11, 2026, filed with the SEC on June 12, 2026).
3.1						Restated Articles of Incorporation of United Community Banks, Inc. as amended through August 13, 2021 (incorporated herein by reference to Exhibit 3.1 to United Community Bank Inc.'s Quarterly Report on Form 10-Q for the period ended September 30, 2021, filed on November 5, 2021).
3.2						Amended and Restated Bylaws of United Community Banks, Inc., as amended (incorporated herein by reference to Exhibit 3.2 to United Community Banks, Inc.’s Quarterly Report on Form 10-Q for the period ended March 31, 2015, filed with the SEC on May 11, 2015).
10.1						Form of Change in Control Continuity Agreement for Thomas H. Speir, dated as of August 13, 2026 (incorporated herein by reference to the Form of Agreement filed as Exhibit 10.2 to United Community Banks, Inc.'s Current Report on Form 8-K dated February 14, 2023, filed with the SEC on February 14, 2023).
31.1						Certification by H. Lynn Harton, Chairman, Chief Executive Officer and President of United Community Banks, Inc., pursuant to Exchange Act Rule 13a-14(a).
31.2						Certification by Thomas H. Speir, Executive Vice President and Chief Financial Officer of United Community Banks, Inc., pursuant to Exchange Act Rule 13a-14(a).
32						Certification of CEO and CFO pursuant to 18 U.S.C. Section 1350.
101						Interactive data files for United Community Banks, Inc.’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2026, formatted in Inline XBRL: (i) the Consolidated Balance Sheets (unaudited); (ii) the Consolidated Statements of Income (unaudited); (iii) the Consolidated Statements of Comprehensive Income (unaudited); (iv) the Consolidated Statements of Changes in Shareholders’ Equity (unaudited); (v) the Consolidated Statements of Cash Flows (unaudited); and (vi) the Notes to Consolidated Financial Statements (unaudited).
104						The cover page from United Community Bank’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2026 (formatted in Inline XBRL and included in Exhibit 101)

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Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

UNITED COMMUNITY BANKS, INC.

/s/ H. Lynn Harton

H. Lynn Harton

Chairman, Chief Executive Officer and President

(Principal Executive Officer)

/s/ Thomas H. Speir

Thomas H. Speir

Executive Vice President and Chief Financial Officer

(Principal Financial Officer)

/s/ Alan H. Kumler

Alan H. Kumler

Senior Vice President and Chief Accounting Officer

(Principal Accounting Officer)

Date: November 4, 2026

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