United Community Banks, Inc. · NYSE:UCB

United Community Banks — Investor Presentation (September 2026)

14 slides from United Community Banks's investor presentation, Sep 8, 2026

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

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

  2. Slide 2: Disclosures

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

  3. Slide 3: Key Strategic Initiatives

    Key Strategic Initiatives Navitas Organic Small Bank Share Portfolio Sale Growth Acquisitions Repurchases Restructure +42 net new revenue Executed $50 million $2.6 billion $2.0 billion cash Peach State adds producers added 3Q26 to date and $87 securities sold and proceeds +$0.12 to 2027 EPS1 since 3

  4. Slide 4: Holistic Capital Allocation Strategy

    Holistic Capital Allocation Strategy De-Risk Deploy Capital Position for Balance Sheet and Liquidity Future Growth Navitas Sale Reinvestment Organic Growth • Closed 9/1/26 • Of $4.2 billion in proceeds • Improved position for profitable • $2.0 billion in cash proceeds generated, initially redeploy $

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

    Navitas Sale Enables Greater Focus on Core Business While De-Risking Balance Sheet Attractive Monetization of a Strong Non-Core Asset • Focuses resources and management attention on core relationship banking business +$2.0 Bn • 7% premium1 reflects strong market demand for high-quality equipment fin

  6. Slide 6: Overview of Strategic Securities Repositioning

    Overview of Strategic Securities Repositioning Sold Portfolio Reclassify HTM: $2.2 billion in HTM securities Characteristics reclassified to AFS designation • Creates flexibility and facilitates meaningful asset-mix shift $2.6 Billion Sold Sell Securities: Sold $2.6 billion in low-yielding, Comprise

  7. Slide 7: EPS & TBV Impacts

    EPS & TBV Impacts 1.25% - 1.30% EPS Walkforward1 3Q26 ROAA – Operating1 Illustrative full-quarter impacts for strategic actions ~$0.02-$0.04 +/- $0.78 $0.74 ~ $0.02 ~ $0.06 ~ ($0.07) Baseline Operating EPS 2 Navitas Sale Portfolio Restructure Peach State Acquisition Core Bank Growth Updated Baseline

  8. Slide 8: Capital Deployment: Share Repurchases

    Capital Deployment: Share Repurchases Share Authorization Capacity • Updated authorization outstanding of $113 million ($mm) +100mm through year end 2027 Incremental Authorization - 2026 authorization of $100 million Through 2027 • Executed $50 million of share repurchases in 3Q26, $113 effectively

  9. Slide 9: Ongoing Investment in Hiring Top Talent

    Ongoing Investment in Hiring Top Talent 42 net new revenue producers added since 3Q25, an expansion of 18%1 Funded volume from recent hires expected to replace projected Navitas growth in 2027 Prioritizing high-growth markets Pursuing bankers with strong existing customer relationships Average tenur

  10. Slide 10: Peach State Acquisition In Line With Established Strategy of Low-Risk, In-Market M&A

    Peach State Acquisition In Line With Established Strategy of Low-Risk, In-Market M&A Georgia Closed Transaction on 8/1/26 Gainesville • Leading deposit share in Gainesville MSA Athens Atlanta Integration On-Track Augusta • Conversion planned for 1Q27 • Strong culture fit supports smooth customer and

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

    Simplifying, Growing, and Strengthening United Simplify Grow Strengthen Streamlined the balance sheet and Expand the core franchise through Robust capital and liquidity, a exited non-core equipment finance investment in hiring top talent and simpler balance sheet, and business to sharpen focus on co

  12. Slide 12: Exhibits

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

  13. Slide 13: Navitas Selected GAAP Financial Information

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

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

    Non-GAAP Reconciliation Tables & Glossary 2Q26 AFS – Available For Sale Diluted Earnings Per Share Diluted earnings per share - GAAP $ 0.95 CET1 – Common Equity Tier 1 Capital Payroll transition bonus - Gain on terminated cash flow hedge - EPS – Earnings Per Share FDIC special assessment accrual rev

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