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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. ☐

Yes ☐ No ☒

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

 

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 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;

•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;

•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;

•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 litigation, regulatory proceedings, examinations, investigations, or similar matters, or developments related thereto;

•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 our 2024 10-K (including the “Risk Factor” section of that report), Quarterly Reports on Form 10-Q, and Current Reports on Form 8-K filed with the SEC and available at the SEC’s website at http://www.sec.gov. 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. The financial statements and information contained herein have not been reviewed, or confirmed for accuracy or relevance, by the FDIC or any other regulator.

UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)

															Three Months Ended March 31,
			(in thousands, except per share data)																		2025						2024
			Net interest revenue:
			Interest revenue:
			Loans, including fees																		$	274,056					$	283,983
			Investment securities, including tax exempt of $1,678 and $1,721, respectively																		58,850						46,436
			Deposits in banks and short-term investments																		2,451						6,309
			Total interest revenue																		335,357						336,728
			Interest expense:
			Deposits																		118,934						133,784
			Short-term borrowings																		1,107						—
			Federal Home Loan Bank advances																		433						—
			Long-term debt																		2,862						3,795
			Total interest expense																		123,336						137,579
			Net interest revenue																		212,021						199,149
			Noninterest income:
			Service charges and fees																		9,535						9,264
			Mortgage loan gains and other related fees																		6,122						7,511
			Wealth management fees																		4,465						6,313
			Net gains from sales of other loans																		1,396						1,537
			Lending and loan servicing fees																		4,165						4,210
			Securities gains, net																		6						—
			Other																		9,967						10,752
			Total noninterest income																		35,656						39,587
			Total revenue																		247,677						238,736
			Provision for credit losses																		15,419						12,899
			Noninterest expenses:
			Salaries and employee benefits																		84,267						84,985
			Communications and equipment																		13,699						11,920
			Occupancy																		10,929						11,099
			Advertising and public relations																		1,881						1,901
			Postage, printing and supplies																		2,561						2,648
			Professional fees																		5,931						5,988
			Lending and loan servicing expense																		1,987						1,827
			Outside services - electronic banking																		2,763						2,918
			FDIC assessments and other regulatory charges																		4,642						7,566
			Amortization of intangibles																		3,286						3,887
			Merger-related and other charges																		1,297						2,087
			Other																		7,856						8,176
			Total noninterest expenses																		141,099						145,002
			Income before income taxes																		91,159						80,835
			Income tax expense																		19,746						18,204
			Net income																		$	71,413					$	62,631
			Net income available to common shareholders																		$	69,429					$	60,713
			Net income per common share:
			Basic																		$	0.58					$	0.51
			Diluted																		0.58						0.51
			Weighted average common shares outstanding:
			Basic																		120,043						119,662
			Diluted																		120,201						119,743