United Community Banks, Inc. · NYSE:UCB

United Community Banks — Corporate Update (September 2026)

14 slides from United Community Banks's corporate update, Sep 8, 2026

  1. Slide 1: Building a Stronger, More Resilient United

    Member FDIC. © 2026 United Community Bank | ucbi.com Building a Stronger, More Resilient United September 8, 2026

  2. Slide 2: Disclosures: Cautionary Statement

    Disclosures 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward - looking statements” within the meaning of Section 27 A of the Securities Act of 1933 , as amended, and Section 21 E of the Securities Exchange Act of 1934 , as amended . In general, forward - looking statements usually

  3. Slide 3: Key Strategic Initiatives

    3 Key Strategic Initiatives These actions strengthen United’s strategic position for the future — with strong and sustainable earnings, high - quality growth, a strong capital base, and ample liquidity $2.0 billion cash proceeds Simplifies and de - risks the bank +42 net new revenue producers added

  4. Slide 4: Holistic Capital Allocation Strategy

    4 Holistic Capital Allocation Strategy De - Risk Balance Sheet Navitas Sale • Closed 9/1/26 • $2.0 billion in cash proceeds • Attractive monetization of strong non - core asset • Reduced credit risk and earnings volatility Portfolio Restructure • Completed 9/2/26 • Reclassified $2.2 billion HTM secu

  5. Slide 5: Navitas Sale Enables Greater Focus on Core Business While De-Risking Balance Sheet

    5 Navitas Sale Enables Greater Focus on Core Business While De - Risking Balance Sheet Meaningfully Reduces Risk Profile of Loan Portfolio • Reached internal concentration limit of 10% of loan portfolio, requiring management action • Sale reduces credit risk profile of the bank moving forward, subst

  6. Slide 6: Overview of Strategic Securities Repositioning

    6 Overview of Strategic Securities Repositioning Sold Portfolio Characteristics Sold Securities Sold Book Yield Pre - Tax Loss 2.20% Divested Duration of ~5.5 Years Weighted Average Life of ~6.5 Years ~$300 Million Net after Navitas pre - tax gain on sale 1 $2.6 Billion Comprised of Both Available -

  7. Slide 7: EPS & TBV Impacts

    7 EPS & TBV Impacts $0.74 ($0.07) $0.06 $0.02 Baseline Operating EPS Navitas Sale Portfolio Restructure Peach State Acquisition Core Bank Growth Updated Baseline Operating EPS EPS Walkforward 1 Illustrative full - quarter impacts for strategic actions $23.31 $0.42 ($2.39) ($0.48) 2Q26 TBVPS Navitas

  8. Slide 8: Buyback Capital Deployment: Share Repurchases

    $100 $13 $37 $50 $100 $113 2026 Authorization Q1 Buyback Q3 Buyback Remaining Authorization Buyback Capital Deployment: Share Repurchases • Updated authorization outstanding of $113 million through year end 2027 - 2026 authorization of $100 million • Executed $50 million of share repurchases in 3Q26

  9. Slide 9: Ongoing Investment in Hiring Top Talent

    9 Ongoing Investment in Hiring Top Talent 42 net new revenue producers added since 3Q25, an expansion of 18% 1 Prioritizing high - growth markets Pursuing bankers with strong existing customer relationships In addition to commercial lending, also accelerates growth and relationship expansion in othe

  10. Slide 10: Peach State Acquisition

    Georgia Columbus Waycross Augusta Gainesville Atlanta Macon Savannah Athens Brunswick 10 Peach State Acquisition In Line With Established Strategy of Low - Risk, In - Market M&A Peach State (2) United (200) Pro Forma United Gainesville MSA Presence 6 branches $1.6B deposits 1 (1) As of December 31,

  11. Slide 11: Simplifying, Growing, and Strengthening United

    11 Simplifying, Growing, and Strengthening United Simplify Streamlined the balance sheet and exited non - core equipment finance business to sharpen focus on core Southeastern relationship banking franchise Grow Expand the core franchise through investment in hiring top talent and select, small bank

  12. Slide 12: Exhibits

    Member FDIC. © 2026 United Community Bank | ucbi.com Exhibits

  13. Slide 13: Navitas Selected GAAP Financial Information

    Navitas Selected GAAP Financial Information 13 Through 9/1/26 2Q26 1Q26 FY 2025 $ in millions Key Portfolio Data $1,952 $1,945 $1,897 $1,848 Loans & Leases 191 167 180 194 Loans & Leases – Serviced for Others $2,143 $2,112 $2,077 $2,042 Managed Loans & Leases, Ending Balance Income Statement 31 $40

  14. Slide 14: Non-GAAP Reconciliation Tables & Glossary

    Non - GAAP Reconciliation Tables & Glossary 14 2Q26 Diluted Earnings Per Share Diluted earnings per share - GAAP 0.95$ Payroll transition bonus - Gain on terminated cash flow hedge - FDIC special assessment accrual reversal - Release of ACL on equipment finance loans (0.25) Merger-related and other

United Community Banks — Corporate Update (September 2026) on 6ix