株探米国株
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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 June 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 120,575,503 shares of the registrant’s common stock, par value $1 per share, outstanding as of August 3, 2026.


UNITED COMMUNITY BANKS, INC.
FORM 10-Q
INDEX
Item 1. Financial Statements
  
 
   
  
   
   
 
 
 
 

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
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 June 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 and the expected sale of our equipment financing subsidiary, Navitas) 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 outcome of any legal or regulatory proceedings or governmental inquiries or investigations that may be currently pending or later instituted against United or Peach State that relate to the proposed Peach State merger;
•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;
•our ability to successfully complete the sale of Navitas;
•our ability to successfully redeploy the capital and liquidity resulting from the sale of Navitas;
•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;
•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) June 30,
2026		 December 31,
2025
ASSETS
Cash and due from banks $ 129,113  $ 202,586 
Interest-bearing deposits in banks 325,984  193,168 
Cash and cash equivalents 455,097  395,754 
Trading securities 91,377  — 
Debt securities available-for-sale 4,106,366  3,750,863 
Debt securities held-to-maturity (fair value $1,848,900 and $1,918,426, respectively)
 2,179,043  2,237,356 
Mortgage loans held for sale 53,518  39,381 
Equipment financing receivables held for sale 1,909,186  — 
Loans and leases held for investment 18,024,130  19,384,317 
Less allowance for credit losses - loans and leases (168,705) (210,429)
Loans and leases, net 17,855,425  19,173,888 
Premises and equipment, net 394,343  393,714 
Bank-owned life insurance 367,506  364,184 
Goodwill and other intangible assets, net 961,881  967,882 
Other assets (including $100,421 and $107,583 at fair value, respectively)
 677,400  679,532 
Total assets $ 29,051,142  $ 28,002,554 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand $ 6,449,517  $ 6,252,252 
Interest-bearing deposits 17,274,692  17,546,178 
Total deposits 23,724,209  23,798,430 
Short-term borrowings 360,000  85,000 
Federal Home Loan Bank advances 800,000  — 
Long-term debt 20,602  120,400 
Accrued expense and other liabilities (including $68,210 and $69,482 at fair value, respectively)
 401,327  360,038 
Total liabilities 25,306,138  24,363,868 
Shareholders' equity:
Common stock, $1 par value: 200,000,000 shares authorized,
  119,763,827 and 120,598,266 shares issued and outstanding, respectively
 119,764  120,598 
Capital surplus 2,724,530  2,754,399 
Retained earnings 1,053,438  914,261 
Accumulated other comprehensive loss (152,728) (150,572)
Total shareholders' equity 3,745,004  3,638,686 
Total liabilities and shareholders' equity $ 29,051,142  $ 28,002,554 

See accompanying notes to consolidated financial statements (unaudited).
5

UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)
Three Months Ended
June 30,		 Six Months Ended
June 30,
(in thousands, except per share data) 2026 2025 2026 2025
Net interest revenue:
Interest revenue:
Loans, including fees $ 295,612  $ 288,284  $ 581,689  $ 562,340 
Securities:
Taxable 44,647  54,191  89,130  111,363 
Tax-exempt 1,671  1,671  3,317  3,349 
Other 2,441  3,219  4,196  5,670 
Total interest revenue 344,371  347,365  678,332  682,722 
Interest expense:
Deposits 98,103  119,136  196,132  238,070 
Short-term borrowings 1,553  83  2,551  1,190 
Federal Home Loan Bank advances 3,014  —  3,983  433 
Long-term debt 801  2,615  2,002  5,477 
Total interest expense 103,471  121,834  204,668  245,170 
Net interest revenue 240,900  225,531  473,664  437,552 
Noninterest income:
Service charges and fees 10,375  10,122  19,920  19,657 
Mortgage loan gains and other related fees 6,780  5,370  14,809  11,492 
Wealth management fees 4,932  4,400  9,561  8,865 
Net gains from sales of other loans 947  1,995  2,840  3,391 
Lending and loan servicing fees 4,098  3,690  8,069  7,855 
Securities (losses) gains, net (2) 286  131  292 
Other 11,250  8,845  26,796  18,812 
Total noninterest income 38,380  34,708  82,126  70,364 
Total revenue 279,280  260,239  555,790  507,916 
Provision for credit losses (29,803) 11,818  (18,950) 27,237 
Noninterest expense:
Salaries and employee benefits 96,242  86,997  197,491  171,264 
Communications and equipment 13,743  13,332  27,845  27,031 
Occupancy 11,232  10,935  22,957  21,864 
Advertising and public relations 2,708  2,881  5,105  4,762 
Postage, printing and supplies 2,744  2,495  5,501  5,056 
Professional fees 6,868  5,609  12,444  11,540 
Lending and loan servicing expense 3,105  2,330  5,687  4,317 
Outside services - electronic banking 3,555  3,570  7,114  6,333 
FDIC assessments and other regulatory charges 4,327  4,745  6,596  9,387 
Amortization of intangibles 2,938  3,292  6,001  6,578 
Merger-related and other charges 895  4,833  1,768  6,130 
Other 11,558  6,900  18,708  14,756 
Total noninterest expense 159,915  147,919  317,217  289,018 
Income before income taxes 149,168  100,502  257,523  191,661 
Income tax expense 33,530  21,769  57,596  41,515 
Net income $ 115,638  $ 78,733  $ 199,927  $ 150,146 
Net income available to common shareholders $ 114,880  $ 76,722  $ 198,618  $ 146,150 
Net income per common share:
Basic $ 0.95  $ 0.63  $ 1.65  $ 1.21 
Diluted 0.95  0.63  1.65  1.21 
Weighted average common shares outstanding:
Basic 120,303  121,377  120,400  120,714 
Diluted 120,442  121,432  120,583  120,820 
See accompanying notes to consolidated financial statements (unaudited).
6

UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Unaudited)
Three Months Ended June 30, Six Months Ended June 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 income $ 149,168  $ (33,530) $ 115,638  $ 257,523  $ (57,596) $ 199,927 
Other comprehensive income (loss):
Unrealized gains (losses) on available-for-sale securities:
Unrealized holding gains (losses) 792  (490) 302  (513) (190) (703)
Reclassification adjustment for losses (gains) included in net income 2  (1) 1  (131) 27  (104)
Net unrealized gains (losses) on available-for-sale securities 794  (491) 303  (644) (163) (807)
Amortization of unrealized losses on held-to-maturity securities reclassified from available-for-sale 1,805  (610) 1,195  3,536  (1,047) 2,489 
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives 295  (75) 220  966  (244) 722 
Gains on derivative instruments realized in net income (159) 41  (118) (6,127) 1,548  (4,579)
Net cash flow hedge activity 136  (34) 102  (5,161) 1,304  (3,857)
Amortization of defined benefit pension plan net periodic pension cost components 13  (3) 10  26  (7) 19 
Total other comprehensive income (loss) 2,748  (1,138) 1,610  (2,243) 87  (2,156)
Comprehensive income $ 151,916  $ (34,668) $ 117,248  $ 255,280  $ (57,509) $ 197,771 
2025
Net income $ 100,502  $ (21,769) $ 78,733  $ 191,661  $ (41,515) $ 150,146 
Other comprehensive income:
Unrealized gains on available-for-sale securities:
Unrealized holding gains 12,023  (2,759) 9,264  46,647  (10,929) 35,718 
Reclassification adjustment for gains included in net income (286) 68  (218) (292) 70  (222)
Net unrealized gains on available-for-sale securities 11,737  (2,691) 9,046  46,355  (10,859) 35,496 
Amortization of unrealized losses on held-to-maturity securities reclassified from available-for-sale 1,961  (465) 1,496  3,925  (929) 2,996 
Derivative instruments designated as cash flow hedges:
Unrealized holding losses on derivatives (397) 100  (297) (1,386) 350  (1,036)
Gains on derivative instruments realized in net income (1,129) 285  (844) (2,250) 568  (1,682)
Net cash flow hedge activity (1,526) 385  (1,141) (3,636) 918  (2,718)
Amortization of defined benefit pension plan net periodic pension cost components (17) 5  (12) (34) 9  (25)
Total other comprehensive income 12,155  (2,766) 9,389  46,610  (10,861) 35,749 
Comprehensive income $ 112,657  $ (24,535) $ 88,122  $ 238,271  $ (52,376) $ 185,895 

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 June 30,
Balance at March 31, 2025 119,514,298  $ 88,266  $ 119,514  $ 2,724,704  $ 754,971  $ (186,559) $ 3,500,896 
Net income 78,733  78,733 
Other comprehensive income 9,389  9,389 
Impact of acquisitions 2,380,952  2,381  63,357  65,738 
Purchases of common stock (506,600) (507) (13,435) (13,942)
Preferred stock dividends (1,573) (1,573)
Common stock dividends ($0.24 per share)
 (29,541) (29,541)
Impact of equity-based compensation awards 38,441  39  2,959  2,998 
Impact of other United sponsored equity plans 4,171  4  222  226 
Balance at June 30, 2025 121,431,262  $ 88,266  $ 121,431  $ 2,777,807  $ 802,590  $ (177,170) $ 3,612,924 
Balance at March 31, 2026 119,684,031  $ —  $ 119,684  $ 2,721,132  $ 968,188  $ (154,338) $ 3,654,666 
Net income 115,638  115,638 
Other comprehensive income 1,610  1,610 
Common stock dividends ($0.25 per share)
 (30,388) (30,388)
Impact of equity-based compensation awards 76,027  76  3,192  3,268 
Impact of other United sponsored equity plans 3,769  4  206  210 
Balance at June 30, 2026 119,763,827  $ —  $ 119,764  $ 2,724,530  $ 1,053,438  $ (152,728) $ 3,745,004 
Six Months Ended June 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 150,146  150,146 
Other comprehensive income 35,749  35,749 
Impact of acquisitions 2,380,952  2,381  63,357  65,738 
Purchases of common stock (506,600) (507) (13,435) (13,942)
Preferred stock dividends (3,146) (3,146)
Common stock dividends ($0.48 per share)
 (58,548) (58,548)
Impact of equity-based compensation awards 142,222  143  4,527  4,670 
Impact of other United sponsored equity plans 50,578  50  80  130 
Balance at June 30, 2025 121,431,262  $ 88,266  $ 121,431  $ 2,777,807  $ 802,590  $ (177,170) $ 3,612,924 
Balance at December 31, 2025 120,598,266  $ —  $ 120,598  $ 2,754,399  $ 914,261  $ (150,572) $ 3,638,686 
Net income $ 199,927  $ 199,927 
Other comprehensive income $ (2,156) $ (2,156)
Purchases of common stock (1,090,402) (1,090) (36,313) (37,403)
Common stock dividends ($0.50 per share)
 (60,750) (60,750)
Impact of equity-based compensation awards 204,231  204  6,493  6,697 
Impact of other United sponsored equity plans 51,732  52  (49) 3 
Balance at June 30, 2026 119,763,827  $ —  $ 119,764  $ 2,724,530  $ 1,053,438  $ (152,728) $ 3,745,004 

See accompanying notes to consolidated financial statements (unaudited).
8

UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Cash Flows (Unaudited)
Six Months Ended June 30,
(in thousands) 2026 2025
Operating activities:
Net income $ 199,927  $ 150,146 
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net 38,936  23,326 
Provision for credit losses (18,950) 27,237 
Stock-based compensation 7,055  5,208 
Deferred income tax expense 18,158  3,550 
Securities gains, net (131) (292)
Net gains from sales of other loans (2,840) (3,391)
Changes in assets and liabilities:
Trading securities (91,377) — 
Mortgage loans held for sale (14,137) 20,391 
Other assets 27,642  9,247 
Accrued expense and other liabilities 35,626  (39,954)
Net cash provided by operating activities 199,909  195,468 
Investing activities:
Debt securities held-to-maturity:
Proceeds from maturities and calls 60,541  63,865 
Debt securities available-for-sale:
Proceeds from sales 25,395  258,909 
Proceeds from maturities and calls 422,442  407,365 
Purchases (813,733) (192,605)
Net increase in loans (584,035) (453,439)
Payments for other investments (84,361) (21,947)
Proceeds from other investments 43,133  7,241 
Purchases of premises and equipment (16,138) (16,434)
Net cash received in acquisition —  41,246 
Other, net 4,184  8,936 
Net cash (used in) provided by investing activities (942,572) 103,137 
Financing activities:
Net (decrease) increase in deposits (74,267) 127,494 
Net increase (decrease) in short-term borrowings 275,000  (195,000)
Repayment of long-term debt (100,000) (100,000)
Proceeds from FHLB advances 2,115,000  126,000 
Repayment of FHLB advances (1,315,000) (126,000)
Repurchase of common stock (37,093) (13,942)
Cash dividends on common stock (60,971) (58,136)
Cash dividends on preferred stock —  (3,146)
Other, net (663) (792)
Net cash provided by (used in) financing activities 802,006  (243,522)
Net change in cash and cash equivalents 59,343  55,083 
Cash and cash equivalents, beginning of period 395,754  519,873 
Cash and cash equivalents, end of period $ 455,097  $ 574,956 

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.

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 United’s 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.
 
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.

Note 2 – Supplemental Cash Flow Information

The supplemental schedule of significant non-cash investing and financing activities for the six months ended June 30, 2026 and 2025 is as follows.
Six Months Ended June 30,
(in thousands) 2026 2025
Significant non-cash investing and financing transactions:
Reclassification of equipment financing receivables to held for sale $ 1,909,186  $ — 
Commitments to fund other investments 13,307  8,906 
Acquisitions:
  Assets acquired —  446,504 
  Liabilities assumed —  380,766 
  Common stock issued for net assets acquired —  65,738 

Note 3 – Acquisitions and Divestitures

Pending Sale of Navitas

On June 11, 2026, United entered into a definitive stock purchase agreement to sell the Bank’s equipment finance subsidiary, Navitas Credit Corp. and the related reinsurance subsidiary, NLFC Reinsurance Corp., collectively referred to as Navitas. The agreement provides for United to receive cash consideration estimated at $1.99 billion.

Substantially all of the fair value of the assets to be sold is concentrated in a single asset type, equipment financing receivables. As a result, the sale will be accounted for as an asset sale. During the second quarter of 2026, United reclassified Navitas’ financing receivables to held for sale, where they are carried at the lower of cost or fair value at the aggregate pool level. The Navitas financing receivables are being sold at a premium, and therefore are carried at an amortized cost of $1.91 billion as of June 30, 2026. In addition, 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. The remaining assets and liabilities subject to the sale are not material to the transaction.

Pro forma information - ANB
  
On May 1, 2025, United acquired all of the outstanding common stock of ANB in a stock transaction. The following table discloses the impact of the ANB acquisition on the 2025 financial results since the acquisition date. The table also presents certain pro forma information as if 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.
10
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


ANB merger-related costs incurred by United and ANB during the three and six months ended June 30, 2025, of $8.93 million and $9.13 million, respectively, 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
June 30,		 Six Months Ended
June 30,
(in thousands) Revenue Net Income Revenue Net Income
2025
Actual ANB results included in statement of income since acquisition date $ 2,290  $ (1,026) $ 2,290  $ (1,026)
Supplemental consolidated pro forma as if ANB had been acquired January 1, 2024 $ 261,830  $ 81,944  $ 513,212  $ 154,518 

Note 4 – Investment Securities

The amortized cost basis, unrealized gains and losses and fair value of HTM debt securities as of the dates indicated are as follows.
(in thousands) Amortized
Cost		 Gross Unrealized
Gains		 Gross Unrealized
Losses		 Fair
Value
As of June 30, 2026
U.S. Treasuries $ 19,943  $ —  $ 913  $ 19,030 
U.S. Government Agencies & GSEs 98,390  —  11,825  86,565 
State and political subdivisions 281,279  17  42,194  239,102 
Residential MBS, Agency & GSEs 1,136,568  3  171,684  964,887 
Commercial MBS, Agency & GSEs 627,863  —  101,629  526,234 
Supranational entities 15,000  —  1,918  13,082 
Total $ 2,179,043  $ 20  $ 330,163  $ 1,848,900 
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 

11
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

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 June 30, 2026
U.S. Treasuries $ 436,451  $ 93  $ 4,226  $ 432,318 
U.S. Government Agencies & GSEs 430,877  69  10,161  420,785 
State and political subdivisions 153,911  2  9,804  144,109 
Residential MBS, Agency & GSEs 1,512,434  5,628  82,865  1,435,197 
Residential MBS, Non-Agency 260,253  —  12,981  247,272 
Commercial MBS, Agency & GSEs 907,898  1,785  25,492  884,191 
Commercial MBS, Non-Agency 6,967  —  120  6,847 
Corporate bonds 134,026  35  5,462  128,599 
Asset-backed securities 408,151  126  1,229  407,048 
Total $ 4,250,968  $ 7,738  $ 152,340  $ 4,106,366 
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 June 30, 2026 and December 31, 2025 the carrying value of pledged securities totaled $3.65 billion and $2.98 billion, respectively. Securities were pledged primarily to secure public deposits.

The following table summarizes the fair values and gross unrealized losses of HTM 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 June 30, 2026
U.S. Treasuries $ —  $ —  $ 19,030  $ 913  $ 19,030  $ 913 
U.S. Government Agencies & GSEs —  —  86,565  11,825  86,565  11,825 
State and political subdivisions 11,168  75  220,590  42,119  231,758  42,194 
Residential MBS, Agency & GSEs 709  14  963,491  171,670  964,200  171,684 
Commercial MBS, Agency & GSEs 6,182  194  520,052  101,435  526,234  101,629 
Supranational entities —  —  13,082  1,918  13,082  1,918 
Total $ 18,059  $ 283  $ 1,822,810  $ 329,880  $ 1,840,869  $ 330,163 
As of December 31, 2025
U.S. Treasuries $ —  $ —  $ 19,039  $ 888  $ 19,039  $ 888 
U.S. Government Agencies & GSEs —  —  87,618  11,233  87,618  11,233 
State and political subdivisions —  —  226,464  41,784  226,464  41,784 
Residential MBS, Agency & GSEs —  —  1,016,225  164,860  1,016,225  164,860 
Commercial MBS, Agency & GSEs —  —  540,282  98,391  540,282  98,391 
Supranational entities —  —  13,169  1,831  13,169  1,831 
Total $ —  $ —  $ 1,902,797  $ 318,987  $ 1,902,797  $ 318,987 

12
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 June 30, 2026
U.S. Treasuries $ 270,346  $ 1,321  $ 111,855  $ 2,905  $ 382,201  $ 4,226 
U.S. Government Agencies & GSEs 194,196  376  206,535  9,785  400,731  10,161 
State and political subdivisions 2,022  5  136,665  9,799  138,687  9,804 
Residential MBS, Agency & GSEs 223,963  1,186  734,413  81,679  958,376  82,865 
Residential MBS, Non-Agency 31,166  587  216,106  12,394  247,272  12,981 
Commercial MBS, Agency & GSEs 241,554  493  333,678  24,999  575,232  25,492 
Commercial MBS, Non-Agency —  —  6,847  120  6,847  120 
Corporate bonds —  —  126,648  5,462  126,648  5,462 
Asset-backed securities 211,766  521  62,003  708  273,769  1,229 
Total $ 1,175,013  $ 4,489  $ 1,934,750  $ 147,851  $ 3,109,763  $ 152,340 
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 June 30, 2026, there were 507 AFS debt securities and 286 HTM debt securities that were in an unrealized loss position. United does not intend to sell nor does it believe it will be required to sell securities in an unrealized loss position prior to the recovery of their amortized cost basis. Unrealized losses at June 30, 2026 were primarily attributable to changes in interest rates.

At June 30, 2026 and 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 June 30, 2026 and December 31, 2025. In addition, based on the assessments performed at June 30, 2026 and December 31, 2025, there was no ACL required related to the AFS portfolio.

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) June 30, 2026 December 31, 2025
HTM $ 5,364  $ 5,486 
AFS 17,190  16,413 
13
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


The amortized cost and fair value of AFS and HTM debt securities at June 30, 2026, by contractual maturity, are presented in the following table.
AFS HTM
(in thousands) Amortized Cost Fair Value Amortized Cost Fair Value
Within 1 year:
U.S. Treasuries $ 235,428  $ 233,980  $ —  $ — 
U.S. Government Agencies & GSEs 27,225  26,895  —  — 
State and political subdivisions 4,394  4,375  6,293  6,304 
Corporate bonds 49,122  48,535  —  — 
316,169  313,785  6,293  6,304 
1 to 5 years:
U.S. Treasuries 201,023  198,338  19,943  19,030 
U.S. Government Agencies & GSEs 44,851  40,350  45,050  41,481 
State and political subdivisions 47,765  44,088  30,225  28,584 
Corporate bonds 73,989  69,872  —  — 
Supranational entities —  —  15,000  13,082 
367,628  352,648  110,218  102,177 
5 to 10 years:
U.S. Government Agencies & GSEs 247,764  244,194  40,840  33,974 
State and political subdivisions 68,937  63,631  88,250  77,002 
Corporate bonds 10,915  10,192  —  — 
327,616  318,017  129,090  110,976 
More than 10 years:
U.S. Government Agencies & GSEs 111,037  109,346  12,500  11,110 
State and political subdivisions 32,815  32,015  156,511  127,212 
143,852  141,361  169,011  138,322 
Debt securities not due at a single maturity date:
Asset-backed securities 408,151  407,048  —  — 
Residential MBS 1,772,687  1,682,469  1,136,568  964,887 
Commercial MBS 914,865  891,038  627,863  526,234 
3,095,703  2,980,555  1,764,431  1,491,121 
Total $ 4,250,968  $ 4,106,366  $ 2,179,043  $ 1,848,900 

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

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 six months ended June 30, 2026 and 2025.

Three Months Ended
June 30,		 Six Months Ended
June 30,
(in thousands) 2026 2025 2026 2025
Proceeds from sales $ 365  $ 205,433  $ 25,395  $ 258,909 
Gross realized gains $ —  $ 515  $ 193  $ 521 
Gross realized losses (2) (229) (62) (229)
Securities (losses) gains, net $ (2) $ 286  $ 131  $ 292 
Income tax (benefit) expense attributable to sales $ (1) $ 68  $ 27  $ 70 

In addition, during the first six months of 2026, United recognized $1.98 million in net losses on trading securities, of which $692,000 related to trading securities held at June 30, 2026.
14
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


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)
 June 30, 2026 December 31, 2025
Federal Reserve stock
 $ 89,979  $ 89,979 
FHLB stock
 56,000  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 reclassification of substantially all equipment financing loans and leases to held for sale during the second quarter of 2026 (see Note 3 for further details). Equipment financing loans to be retained by United of $35.9 million and the corresponding ACL of $726,000 were reclassified to the commercial & industrial loan category in the following disclosures, as equipment financing is no longer an individually significant held for investment loan category at June 30, 2026.

(in thousands) June 30, 2026 December 31, 2025
Owner occupied CRE $ 4,117,210  $ 3,949,898 
Income producing CRE 5,017,781  5,032,342 
Commercial & industrial 2,858,749  2,696,291 
Commercial construction & land 1,142,870  997,802 
Equipment financing —  1,847,999 
Total commercial 13,136,610  14,524,332 
Residential mortgage 3,100,617  3,157,017 
Home equity 1,403,383  1,319,474 
Residential construction & land 194,644  190,625 
Consumer 193,439  187,536 
Total loans, excluding fair value hedge basis adjustment 18,028,693  19,378,984 
Fair value hedge basis adjustment (4,563) 5,333 
     Total loans 18,024,130  19,384,317 
Less ACL - loans (168,705) (210,429)
Loans, net $ 17,855,425  $ 19,173,888 

Accrued interest receivable related to loans totaled $58.5 million and $60.4 million at June 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 June 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.

The following table presents the amortized cost of certain loans held for investment 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 June 30, Six Months Ended June 30,
(in thousands) 2026 2025 2026 2025
Guaranteed portion of SBA/USDA loans $ 13,030  $ 21,760  $ 39,330  $ 43,709 
Equipment financing receivables 9,600  16,887  17,923  21,049 
Total $ 22,630  $ 38,647  $ 57,253  $ 64,758 
  
15
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

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 June 30, 2026
Owner occupied CRE $ 4,094,761  $ 1,401  $ 1,021  $ —  $ 20,027  $ 4,117,210 
Income producing CRE 5,005,930  184  12  —  11,655  5,017,781 
Commercial & industrial 2,830,583  6,230  789  —  21,147  2,858,749 
Commercial construction & land 1,141,943  —  11  —  916  1,142,870 
Total commercial 13,073,217  7,815  1,833  —  53,745  13,136,610 
Residential mortgage 3,066,716  2,556  839  —  30,506  3,100,617 
Home equity 1,394,467  2,378  103  —  6,435  1,403,383 
Residential construction & land 194,258  48  —  —  338  194,644 
Consumer 191,857  453  152  —  977  193,439 
Total loans $ 17,920,515  $ 13,250  $ 2,927  $ —  $ 92,001  $ 18,028,693 
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 

The following table presents nonaccrual loans held for investment by loan class for the periods indicated.
Nonaccrual Loans
June 30, 2026 December 31, 2025
(in thousands) With no allowance With an allowance Total With no allowance With an allowance Total
Owner occupied CRE $ 13,741  $ 6,286  $ 20,027  $ 7,627  $ 3,538  $ 11,165 
Income producing CRE 11,342  313  11,655  8,335  3,153  11,488 
Commercial & industrial 7,021  14,126  21,147  7,965  10,329  18,294 
Commercial construction & land 900  16  916  —  18  18 
Equipment financing —  —  —  71  10,312  10,383 
Total commercial 33,004  20,741  53,745  23,998  27,350  51,348 
Residential mortgage 4,823  25,683  30,506  4,861  27,562  32,423 
Home equity 204  6,231  6,435  218  5,029  5,247 
Residential construction & land —  338  338  701  378  1,079 
Consumer —  977  977  —  1,001  1,001 
Total $ 38,031  $ 53,970  $ 92,001  $ 29,778  $ 61,320  $ 91,098 

At June 30, 2026 and December 31, 2025, United had $53.2 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.
16
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


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.

17
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 June 30, 2026 2026 2025 2024 2023 2022 Prior
Owner occupied CRE
Pass $ 478,280  $ 884,891  $ 432,059  $ 399,138  $ 550,831  $ 1,072,840  $ 121,024  $ 26,393  $ 3,965,456 
Special Mention —  5,742  1,062  10,859  13,530  15,793  4,101  224  51,311 
Substandard 479  4,888  21,916  16,733  24,965  30,270  1,156  36  100,443 
Total owner occupied CRE $ 478,759  $ 895,521  $ 455,037  $ 426,730  $ 589,326  $ 1,118,903  $ 126,281  $ 26,654  $ 4,117,210 
Current period gross charge-offs $ —  $ 370  $ —  $ 513  $ 233  $ —  $ —  $ —  $ 1,116 
Income producing CRE
Pass $ 662,215  $ 877,141  $ 406,323  $ 450,799  $ 955,135  $ 1,334,317  $ 68,852  $ 14,239  $ 4,769,020 
Special Mention 9,326  12,977  2,039  136  103,553  14,521  —  —  142,552 
Substandard 42,348  5,077  14,903  1,271  10,290  30,826  —  1,494  106,209 
Total income producing CRE $ 713,889  $ 895,195  $ 423,264  $ 452,206  $ 1,068,978  $ 1,379,663  $ 68,852  $ 15,733  $ 5,017,781 
Current period gross charge-offs $ —  $ —  $ —  $ —  $ —  $ 83  $ —  $ —  $ 83 
Commercial & industrial
Pass $ 292,370  $ 636,831  $ 280,152  $ 243,336  $ 152,557  $ 310,558  $ 813,569  $ 9,680  $ 2,739,053 
Special Mention 117  2,655  1,630  16,085  13,474  3,625  14,416  722  52,724 
Substandard 965  7,224  4,571  21,704  5,181  11,641  11,967  3,719  66,972 
Total commercial & industrial $ 293,452  $ 646,710  $ 286,353  $ 281,125  $ 171,212  $ 325,824  $ 839,953  $ 14,120  $ 2,858,749 
Current period gross charge-offs $ —  $ 609  $ 147  $ 7,154  $ 929  $ 682  $ —  $ 2,516  $ 12,037 
Commercial construction & land
Pass $ 313,548  $ 500,813  $ 189,812  $ 21,940  $ 40,894  $ 12,644  $ 54,254  $ 994  $ 1,134,900 
Special Mention —  4,322  136  —  —  1,830  —  —  6,288 
Substandard 277  1,023  —  94  249  40  —  —  1,683 
Total commercial construction & land $ 313,825  $ 506,157  $ 189,948  $ 22,034  $ 41,144  $ 14,514  $ 54,254  $ 994  $ 1,142,870 
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 $ 106,961  $ 198,222  $ 115,949  $ 283,582  $ 871,626  $ 1,484,574  $ —  $ 2,470  $ 3,063,384 
Substandard 21  749  3,422  7,655  10,698  14,617  —  71  37,233 
Total residential mortgage $ 106,982  $ 198,971  $ 119,371  $ 291,237  $ 882,324  $ 1,499,191  $ —  $ 2,541  $ 3,100,617 
Current period gross charge-offs $ —  $ 58  $ —  $ 141  $ 83  $ —  $ —  $ —  $ 282 
Home equity
Pass $ —  $ —  $ —  $ —  $ —  $ —  $ 1,359,586  $ 36,360  $ 1,395,946 
Substandard —  —  —  —  —  —  —  7,437  7,437 
Total home equity $ —  $ —  $ —  $ —  $ —  $ —  $ 1,359,586  $ 43,797  $ 1,403,383 
Current period gross charge-offs $ —  $ —  $ —  $ —  $ —  $ —  $ —  $ 63  $ 63 
Residential construction & land
Pass $ 36,264  $ 125,072  $ 17,614  $ 3,849  $ 4,308  $ 7,111  $ —  $ 83  $ 194,301 
Substandard —  —  66  165  13  99  —  —  343 
Total residential construction & land $ 36,264  $ 125,072  $ 17,680  $ 4,014  $ 4,321  $ 7,210  $ —  $ 83  $ 194,644 
Current period gross charge-offs $ —  $ —  $ 37  $ —  $ —  $ —  $ —  $ —  $ 37 
Consumer
Pass $ 54,652  $ 59,532  $ 28,916  $ 15,348  $ 8,600  $ 2,299  $ 22,868  $ 145  $ 192,360 
Substandard —  106  282  370  153  145  1  22  1,079 
Total consumer $ 54,652  $ 59,638  $ 29,198  $ 15,718  $ 8,753  $ 2,444  $ 22,869  $ 167  $ 193,439 
Current period gross charge-offs $ 1,163  $ 216  $ 96  $ 109  $ 14  $ 142  $ —  $ 31  $ 1,771 
(1) Reflects charge-offs prior to the reclassification of equipment financing loans to held for sale.
18
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 

19
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 six months ended June 30, 2026 and 2025 are presented in the following tables.

Six Months Ended June 30, 2026
Amortized Cost of New FDMs by Type of Modification
(in thousands)
 Extension Payment Delay Rate Reduction Rate Reduction & Payment Delay Rate Reduction, Payment Delay & Extension Total % of Total Class of Receivable
FDMs defaulted within 12 months of modification
Owner occupied CRE $ —  $ 928  $ —  $ —  $ —  $ 928  —  % $ — 
Commercial & industrial 39  3,583  —  —  —  3,622  0.1  69 
Residential mortgage —  —  1,305  795  1,544  3,644  0.1  — 
Home equity —  —  216  —  —  216  —  — 
Consumer —  —  74  —  —  74  —  — 
Total $ 39  $ 4,511  $ 1,595  $ 795  $ 1,544  $ 8,484  —  $ 69 

Six Months Ended June 30, 2025
Amortized Cost of New FDMs by Type of Modification
(in thousands) Extension Payment Delay Rate Reduction Rate Reduction & Extension Payment Delay & Extension Total % of Total Class of Receivable
FDMs defaulted within 12 months of modification
Owner occupied CRE $ —  $ 2,364  $ —  $ —  $ —  $ 2,364  0.1  % $ — 
Equipment financing —  —  —  —  7,683  7,683  0.4  378 
Residential mortgage 538  2,602  348  1,816  —  5,304  0.2  282 
Home equity —  —  72  —  —  72  —  — 
Total $ 538  $ 4,966  $ 420  $ 1,816  $ 7,683  $ 15,423  0.1  $ 660 
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.

Accruing
Loans Past Due
(in thousands)
Current
30 - 59 Days 60 - 89 Days > 90 Days
Nonaccrual
Total
As of June 30, 2026
Owner occupied CRE $ 479  $ —  $ —  $ —  $ 450  $ 929 
Commercial & industrial 146  3,499  —  —  44  3,689 
Residential mortgage 2,882  —  —  —  3,057  5,939 
Home equity 427  —  —  —  66  493 
Consumer —  —  —  —  74  74 
Total $ 3,934  $ 3,499  $ —  $ —  $ 3,691  $ 11,124 
As of June 30, 2025
Owner occupied CRE $ 2,654  $ —  $ —  $ —  $ —  $ 2,654 
Income producing CRE —  —  —  —  7,983  7,983 
Commercial & industrial 2,693  306  —  —  130  3,129 
Equipment financing 11,640  17  141  —  1,352  13,150 
Residential mortgage 5,387  —  —  —  1,889  7,276 
Home equity —  —  —  —  72  72 
Consumer —  —  —  —  80  80 
Total $ 22,374  $ 323  $ 141  $ —  $ 11,506  $ 34,344 

20
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 June 30, 2026, the baseline economic forecast had tempered some of the optimism from the first quarter forecast to better reflect the economic conditions resulting from the conflict in Iran. At June 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.

21
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 June 30,
2026 2025
(in thousands)
 Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Beginning Balance
Initial ACL - PCD loans (2)
Charge-Offs Recoveries (Release) Provision Ending Balance
Owner occupied CRE $ 25,127  $ (378) $ 3,825  $ (1,367) $ 27,207  $ 21,505  $ 278  $ (561) $ 91  $ (346) $ 20,967 
Income producing CRE 41,358  (83) 26  (3,852) 37,449  45,817  910  (950) 17  3,278  49,072 
Commercial & industrial 43,696  (8,133) 1,274  11,887  48,724  37,704  23  (2,768) 1,741  1,993  38,693 
Commercial construction & land 10,198  —  22  2,071  12,291  16,725  39  (130) 41  (696) 15,979 
Equipment financing (1)
42,862  (4,844) 1,147  (39,165) —  47,600  —  (5,927) 964  5,263  47,900 
Residential mortgage 29,333  (98) 41  (2,378) 26,898  29,679  —  (372) 59  851  30,217 
Home equity 12,769  (63) 87  (220) 12,573  10,297  1  (71) 143  442  10,812 
Residential construction & land 1,900  —  6  175  2,081  1,622  —  —  9  181  1,812 
Consumer 1,153  (938) 245  1,022  1,482  1,025  —  (982) 471  534  1,048 
ACL - loans 208,396  (14,537) 6,673  (31,827) 168,705  211,974  1,251  (11,761) 3,536  11,500  216,500 
ACL - unfunded commitments 17,600  —  —  2,024  19,624  11,227  —  —  —  318  11,545 
Total ACL $ 225,996  $ (14,537) $ 6,673  $ (29,803) $ 188,329  $ 223,201  $ 1,251  $ (11,761) $ 3,536  $ 11,818  $ 228,045 
Six Months Ended June 30,
2026 2025
(in thousands)
 Beginning Balance Charge-Offs Recoveries (Release) Provision Ending Balance Beginning
Balance
Initial ACL - PCD loans (2)
Charge-
Offs		 Recoveries (Release)
Provision		 Ending
Balance
Owner occupied CRE $ 24,888  $ (1,116) $ 3,897  $ (462) $ 27,207  $ 19,873  $ 278  $ (832) $ 236  $ 1,412  $ 20,967 
Income producing CRE 44,071  (83) 111  (6,650) 37,449  41,427  910  (1,970) 319  8,386  49,072 
Commercial & industrial 43,269  (12,037) 1,869  15,623  48,724  35,441  23  (6,130) 2,656  6,703  38,693 
Commercial construction & land 8,286  (25) 41  3,989  12,291  16,370  39  (130) 179  (479) 15,979 
Equipment financing (1)
45,852  (12,023) 2,491  (36,320) —  47,415  —  (11,864) 1,859  10,490  47,900 
Residential mortgage 29,241  (282) 92  (2,153) 26,898  32,259  —  (421) 109  (1,730) 30,217 
Home equity 11,849  (63) 141  646  12,573  11,247  1  (71) 205  (570) 10,812 
Residential construction & land 1,799  (37) 31  288  2,081  1,672  —  (226) 16  350  1,812 
Consumer 1,174  (1,771) 523  1,556  1,482  1,294  —  (2,496) 729  1,521  1,048 
ACL - loans 210,429  (27,437) 9,196  (23,483) 168,705  206,998  1,251  (24,140) 6,308  26,083  216,500 
ACL - unfunded commitments 15,091  —  —  4,533  19,624  10,391  —  —  —  1,154  11,545 
Total ACL $ 225,520  $ (27,437) $ 9,196  $ (18,950) $ 188,329  $ 217,389  $ 1,251  $ (24,140) $ 6,308  $ 27,237  $ 228,045 
(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. (2) Represents the initial ACL related to PCD loans acquired in the ANB transaction.
22
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.
June 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 634,097  —  —  785,009  —  — 
Fair value hedges of loans 775,000  —  —  1,900,000  —  — 
Total 1,429,097  —  —  2,805,009  6,288  — 
Derivatives not designated as hedging instruments:
Customer derivative positions 1,693,796  3,260  38,417  1,541,391  11,457  32,841 
Dealer offsets to customer derivative positions 1,693,791  14,051  3,207  1,541,391  9,478  11,441 
Risk participations 127,055  11  109  103,668  —  108 
Mortgage banking - loan commitments 73,890  1,301  —  41,125  1,027  — 
Mortgage banking - forward sales commitment 83,865  96  169  94,219  8  225 
Bifurcated embedded derivatives 51,935  8,399  —  51,935  7,055  — 
Dealer offsets to bifurcated embedded derivatives 51,935  —  9,631  51,935  —  8,382 
Total 3,776,267  27,118  51,533  3,425,664  29,025  52,997 
Total derivatives $ 5,205,364  $ 27,118  $ 51,533  $ 6,230,673  $ 35,313  $ 52,997 
Total gross derivative instruments $ 27,118  $ 51,533  $ 35,313  $ 52,997 
Less: Amounts subject to master netting agreements (3,311) (3,311) (7,917) (7,917)
Less: Cash collateral received/pledged (10,355) (9,638) (8,305) (12,156)
Net amount $ 13,452  $ 38,584  $ 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 $693,000 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.

23
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

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
June 30,		 Six Months Ended
June 30,
(in thousands) 2026 2025 2026 2025
Fair value hedges:
AFS securities:
Amounts related to interest settlements on derivatives $ 73  $ 1,548  $ 174  $ 2,889 
Gain (loss) recognized on derivative
 4,245  (4,863) 8,151  (13,167)
(Loss) gain recognized on hedged items
 (4,442) 4,901  (8,238) 13,308 
Net income recognized on AFS securities fair value hedges
Interest revenue - securities
 $ (124) $ 1,586  $ 87  $ 3,030 
Loans:
Amounts related to interest settlements on derivatives $ (184) $ (327) $ (2,516) $ (887)
Gain (loss) recognized on derivatives
 3,518  1,220  10,045  (788)
(Loss) gain recognized on hedged items
 (3,686) (826) (9,896) 1,369 
Net loss recognized on loan fair value hedges
 Interest revenue - loans, including fees $ (352) $ 67  $ (2,367) $ (306)
Cash flow hedges:
Long-term debt
Amounts related to interest settlements on derivatives (1)
Interest expense- long term debt $ 159  $ 1,129  $ 6,127  $ 2,250 
Net income recognized on cash flow hedges
 $ 159  $ 1,129  $ 6,127  $ 2,250 
 (1) Includes premium amortization expense excluded from the assessment of hedge effectiveness of $118,000 for the three months ended June 30, 2025 and $97,000 and $234,000 for the six months ended June 30, 2026 and 2025, respectively. The cash flow hedge was terminated during the first quarter 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 June 30, 2026 and December 31, 2025 were designated under the portfolio layer method.

(in thousands) June 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)
$ 939,693  $ (3,959) $ 634,097  $ 971,854  $ 4,279  $ 785,009 
Loans and leases held for investment 3,303,453  (4,563) 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.

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.
24
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


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
June 30,		 Six Months Ended
June 30,
(in thousands) 2026 2025 2026 2025
Customer derivatives and dealer offsets Other noninterest income $ 1,357  $ 1,058  $ 2,540  $ 2,002 
Bifurcated embedded derivatives and dealer offsets Other noninterest income (4) (10) (2) (4)
Mortgage banking derivatives Mortgage loan gains and other related fees (259) (705) 1,130  (295)
Risk participations Other noninterest income 86  (19) 100  175 
$ 1,180  $ 324  $ 3,768  $ 1,878 
 
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 – 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 six months ended June 30, 2026, there were no changes to valuation approaches or techniques that warranted a hierarchy level change.

25
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)
June 30, 2026 Level 1 Level 2 Level 3 Total
Assets:
Trading securities:
U.S. Treasuries $ 91,377  $ —  $ —  $ 91,377 
AFS debt securities:
U.S. Treasuries 432,318  —  —  432,318 
U.S. Government agencies & GSEs —  420,785  —  420,785 
State and political subdivisions —  144,109  —  144,109 
Residential MBS —  1,682,469  —  1,682,469 
Commercial MBS —  891,038  —  891,038 
Corporate bonds —  128,102  497  128,599 
Asset-backed securities —  407,048  —  407,048 
Mortgage loans held for sale —  53,518  —  53,518 
Mutual funds and other investments 16,503  176  —  16,679 
Servicing rights for SBA/USDA loans —  —  4,887  4,887 
Residential mortgage servicing rights —  —  44,542  44,542 
Contingent consideration receivable —  —  7,195  7,195 
Derivative financial instruments —  17,407  9,711  27,118 
Total assets $ 540,198  $ 3,744,652  $ 66,832  $ 4,351,682 
Liabilities:
Deferred compensation plan liability $ 16,501  $ 176  $ —  $ 16,677 
Derivative financial instruments —  41,793  9,740  51,533 
Total liabilities $ 16,501  $ 41,969  $ 9,740  $ 68,210 

(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 
 
26
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 June 30, 2026 December 31, 2025
Range Weighted Average Range Weighted Average
Residential mortgage servicing rights Discounted cash flow Discount rate
9.0% - 13.2%
 9.3%
9.5% - 12.5%
 9.6%
Prepayment rate
5.0 - 24.6
 7.7
5.5 - 25.3
 7.5
Derivative assets - mortgage Internal model Pull through rate
77.0 - 100
 92.2
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		 SBA/USDA Loan Servicing Rights Residential Mortgage Servicing Rights Corporate Bonds Contingent Consideration Receivable Derivative
Assets		 Derivative
Liabilities		 SBA/USDA Loan Servicing Rights Residential Mortgage Servicing Rights Corporate Bonds Contingent Consideration Receivable
Three Months Ended June 30,
Beginning balance $ 9,029  $ 8,875  $ 4,946  $ 43,160  $ 494  $ 7,195  $ 11,319  $ 10,825  $ 4,920  $ 39,660  $ 2,230  $ 7,390 
Additions 1,197  75  237  1,799  —  —  1,403  —  410  1,440  —  — 
Sales and settlements (1,443) (2) (235) (957) —  —  (1,990) —  (221) (653) (1,000) (93)
Fair value adjustments included in OCI —  —  —  —  3  —  —  —  —  —  5  — 
Fair value adjustments included in earnings 928  792  (61) 540  —  —  (1,602) (1,608) (303) (770) —  — 
Ending balance $ 9,711  $ 9,740  $ 4,887  $ 44,542  $ 497  $ 7,195  $ 9,130  $ 9,217  $ 4,806  $ 39,677  $ 1,235  $ 7,297 
Six Months Ended June 30,
Beginning balance $ 8,082  $ 8,490  $ 4,880  $ 41,231  $ 492  $ 7,195  $ 11,656  $ 12,286  $ 4,697  $ 39,294  $ 2,226  $ 7,470 
Additions 2,765  215  752  3,451  —  —  3,245  321  852  2,492  —  — 
Sales and settlements (2,364) (2) (439) (1,719) —  —  (2,595) —  (358) (1,261) (1,000) (173)
Fair value adjustments included in OCI —  —  —  —  5  —  —  —  —  —  9  — 
Fair value adjustments included in earnings 1,228  1,037  (306) 1,579  —  —  (3,176) (3,390) (385) (848) —  — 
Ending balance $ 9,711  $ 9,740  $ 4,887  $ 44,542  $ 497  $ 7,195  $ 9,130  $ 9,217  $ 4,806  $ 39,677  $ 1,235  $ 7,297 
27
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 under the fair value option. 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) June 30, 2026 December 31, 2025
Outstanding principal balance $ 52,214  $ 38,187 
Fair value 53,518  39,381 

Gain (Loss) from Change in Fair Value on Mortgage Loans Held for Sale
Location Three Months Ended
June 30,		 Six Months Ended
June 30,
(in thousands) 2026 2025 2026 2025
Mortgage loan gains and other related fees $ 629  $ —  $ 109  $ (179)

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 June 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
June 30, 2026
Loans held for investment $ —  $ —  $ 20,742  $ 20,742 
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.

28
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
June 30, 2026
Assets:
HTM debt securities $ 2,179,043  $ 19,030  $ 1,829,870  $ —  $ 1,848,900 
Loans and leases, net 17,855,425  —  —  17,654,529  17,654,529 
Equipment financing receivables held for sale 1,909,186  —  1,976,108  —  1,976,108 
Liabilities:
Deposits 23,724,209  —  23,721,723  —  23,721,723 
Long-term debt 20,602  —  —  22,708  22,708 
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 8 – 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
June 30,		 Six Months Ended
June 30,		 Affected Line Item in the Statement Where Net Income is Presented
2026 2025 2026 2025
Realized net (losses) gains on AFS securities:
$ (2) $ 286  $ 131  $ 292  Securities (losses) gains, net
1  (68) (27) (70) Income tax expense
$ (1) $ 218  $ 104  $ 222  Net of tax
Amortization of unrealized losses on HTM securities reclassified from AFS:
$ (1,805) $ (1,961) $ (3,536) $ (3,925) Investment securities interest revenue
610  465  1,047  929  Income tax expense
$ (1,195) $ (1,496) $ (2,489) $ (2,996) Net of tax
Reclassifications related to derivative instruments accounted for as cash flow hedges:
Interest rate contracts $ 159  $ 1,129  $ 943  $ 2,250  Long-term debt interest expense
Gain on terminated cash flow hedge —  —  5,184  —  Other noninterest income
159  1,129  6,127  2,250  Total before tax
(41) (285) (1,548) (568) Income tax expense
$ 118  $ 844  $ 4,579  $ 1,682  Net of tax
Amortization of defined benefit pension plan net periodic pension cost components:
Prior service cost $ (13) $ 17  $ (26) $ 34  Salaries and employee benefits expense
3  (5) 7  (9) Income tax expense
$ (10) $ 12  $ (19) $ 25  Net of tax
Total reclassifications for the period $ (1,088) $ (422) $ 2,175  $ (1,067) Net of tax

29
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

Note 9 – Earnings Per Share
 
The following table sets forth the computation of basic and diluted earnings per share for the periods indicated.
Three Months Ended
June 30,		 Six Months Ended
June 30,
(in thousands, except per share data)
 2026 2025 2026 2025
Net income $ 115,638  $ 78,733  $ 199,927  $ 150,146 
Dividends on preferred stock —  (1,573) —  (3,146)
Earnings allocated to participating securities (758) (438) (1,309) (850)
Net income available to common shareholders $ 114,880  $ 76,722  $ 198,618  $ 146,150 
Weighted average shares outstanding:
Basic 120,303  121,377  120,400  120,714 
Effect of dilutive securities:
Stock options 44  55  46  71 
Restricted stock units 95  —  137  35 
Diluted 120,442  121,432  120,583  120,820 
Net income per common share:
Basic $ 0.95  $ 0.63  $ 1.65  $ 1.21 
Diluted $ 0.95  $ 0.63  $ 1.65  $ 1.21 
 
For the three and six months ended June 30, 2026 and 2025, United had no potentially dilutive instruments outstanding that were not included in the above analysis.

Note 10 – Regulatory Matters

As of June 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 June 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 June 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		 June 30,
2026		 December 31,
2025		 June 30,
2026		 December 31,
2025
Risk-based ratios:
CET1 capital 4.5  % 6.5  % 13.53  % 13.44  % 12.09  % 12.34  %
Tier 1 capital 6.0  8.0  13.53  13.44  12.09  12.34 
Total capital 8.0  10.0  14.48  14.77  12.93  13.37 
Leverage ratio 4.0  5.0  10.66  10.28  9.52  9.42 
CET1 capital $ 2,938,418  $ 2,824,732  $ 2,617,330  $ 2,582,475 
Tier 1 capital 2,938,418  2,824,732  2,617,330  2,582,475 
Total capital 3,143,672  3,104,806  2,797,584  2,797,549 
Risk-weighted assets 21,712,100  21,019,967  21,643,191  20,931,562 
Average total assets for the leverage ratio 27,563,618  27,469,241  27,498,299  27,401,675 
(1) As of June 30, 2026 and December 31, 2025, the minimum ratios as presented were subject to an additional capital conservation buffer of 2.50%

30
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

Note 11 – 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) June 30, 2026 December 31, 2025
Financial instruments whose contract amounts represent credit risk:
Commitments to extend credit $ 5,016,803  $ 4,732,083 
Letters of credit 55,240  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 12 - Long-term Debt and Other Borrowings

As of June 30, 2026 and December 31, 2025, the Holding Company had $20.6 million and $120 million of long-term debt outstanding, respectively. During the second quarter of 2026, the Holding Company redeemed its $100 million 2028 subordinated debenture prior to maturity.

As of June 30, 2026 and December 31, 2025, the Bank had short-term borrowings outstanding of $360 million and $85.0 million, respectively, which consisted of federal funds purchased.

As of June 30, 2026, the Bank had FHLB borrowings of $800 million outstanding with maturity dates in July 2026. There were no FHLB borrowings outstanding at December 31, 2025.

Note 13 - Subsequent Events
Acquisition of Peach State
Subsequent to quarter end, on August 1, 2026, United completed the previously announced acquisition of Peach State Bancshares, Inc. and its wholly-owned subsidiary, Peach State Bank & Trust (collectively, “Peach State”), headquartered in Gainesville, Georgia. As of June 30, 2026, Peach State Bank & Trust reported total assets of $786 million, with total loans of $523 million and total deposits of $707 million.

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 will be accounted for as a business combination. Due to the timing of the acquisition, United is currently in the process of completing the purchase accounting and will make all of the remaining required disclosures as of September 30, 2026.

Common Stock Repurchases
In the third quarter of 2026, through August 3, 2026, United repurchased 546,832 shares of common stock for $19.3 million in accordance with its common stock repurchase program.
31

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

The following is a discussion of our financial condition at June 30, 2026 and December 31, 2025 and our results of operations for the three and six months ended June 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,” “efficiency ratio – operating” and “tangible common equity to tangible assets.” 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 16 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 200 banking offices in Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama. Our equipment finance and SBA/USDA lending businesses operate throughout the United States. At June 30, 2026, we had consolidated total assets of $29.1 billion and 3,141 full-time equivalent employees.

Recent Developments

On June 11, 2026, we entered into a definitive stock purchase agreement to sell Navitas, the Bank’s equipment financing subsidiary. The sale of Navitas, which is expected to close in the third quarter of 2026, reflects our strategic decision to focus on our core relationship banking business while enhancing liquidity and capital strength. As a result of the decision to sell Navitas, $1.91 billion in equipment financing receivables were reclassified to held for sale during the second quarter of 2026. After the close of the sale, we will consider future plans for the redeployment of capital and liquidity resulting from the sale, which, subject to market conditions, could include continued organic loan growth, share repurchases, balance sheet optimization and/or strategic mergers and acquisitions. For additional information on the disposition, see Form 8-K filed on June 12, 2026.

Subsequent to quarter end, on August 1, 2026, we closed on the previously announced acquisition of Peach State, headquartered in Gainesville, Georgia. As of June 30, 2026, Peach State Bank & Trust reported total assets of $786 million, with total loans of $523 million and total deposits of $707 million. We expect the merger will strengthen our existing presence in the Gainesville, Georgia MSA. See Note 13 in the Notes to the Financial Statements for further detail.
32


Results of Operations

We reported net income and diluted earnings per common share of $116 million and $0.95, respectively, for the second quarter of 2026, compared to $78.7 million and $0.63, respectively, for the same period in 2025. For the six months ended June 30, 2026, we reported net income and diluted earnings per common share of $200 million and $1.65, respectively, compared to $150 million and $1.21, respectively, in the same periods of 2025.

Net income - operating for the second quarter and first six months of 2026 was $86.4 million and $171 million, respectively. Net income - operating for the second quarter of 2026 notably excludes the $38.5 million release of the ACL on equipment financing loans as a result of the Navitas sale mentioned above. Net income - operating for the six months ended June 30, 2026 also excludes a $6.70 million one-time payroll transition bonus and a $5.18 million gain on a terminated cash flow hedge. See Table 17 of MD&A for the Non-GAAP Performance Measures Reconciliation for further detail.

We reported total revenue for the second quarter and first six months of 2026 of $279 million and $556 million, respectively, compared to $260 million and $508 million for the same periods in 2025, respectively.

FTE net interest revenue for the second quarter and first six months of 2026 was $242 million and $476 million, respectively, compared to $227 million and $440 million, respectively, for the same periods of 2025. The increase in net interest revenue was mostly driven by lower deposit interest expense. Net interest margin for the second quarter and first six months of 2026 increased to 3.68% and 3.66%, respectively, from 3.50% and 3.43%, 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 following aggregate reductions of 75 basis points in the federal funds rate over the past year.

Noninterest income of $38.4 million and $82.1 million for the second quarter and first six months of 2026 increased by $3.67 million and $11.8 million, respectively, compared to the same periods of 2025. The increases were driven by increases in mortgage loan gains and other related fees and higher unrealized gains on our other investment portfolio, particularly relating to our mutual funds, fintech and limited partnership investments. The six months ended June 30, 2026 also included a $5.18 million gain on a terminated cash flow hedge in the first quarter.

We recorded negative provisions for credit losses of $29.8 million and $19.0 million for the second quarter and first six months of 2026, respectively, reflecting the release of the ACL related to the equipment finance portfolio.

Noninterest expenses of $160 million and $317 million in the second quarter and first six months of 2026, respectively, were up 8% and 10%, respectively, compared to the same periods of 2025. Salaries and employee benefits expense was the primary driver of the increase, reflecting an increase in full time equivalent employees of 3% since June 30, 2025, which reflects our current strategic hiring plan, annual merit increases that went in effect April 1, 2026, higher incentive compensation and higher group medical costs. The six months ended June 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.

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

33

UNITED COMMUNITY BANKS, INC.
Table 1 - Financial Highlights
 (dollars in thousands, except per share data) 2026 2025
Second Quarter
2026 - 2025 Change
 For the Six Months Ended June 30, YTD Change
Second
Quarter
First Quarter
Fourth Quarter
Third Quarter
Second
 Quarter
 2026 2025
INCOME SUMMARY
Interest revenue $ 344,371  $ 333,961  $ 346,367  $ 353,850  $ 347,365  $ 678,332  $ 682,722
Interest expense 103,471  101,197  108,441  120,221  121,834  204,668  245,170 
Net interest revenue 240,900  232,764  237,926  233,629  225,531  7  % 473,664  437,552  8  %
Noninterest income 38,380  43,746  40,462  43,219  34,708  11  82,126  70,364  17 
Total revenue 279,280  276,510  278,388  276,848  260,239  7  555,790  507,916  9 
Provision for credit losses (29,803) 10,853  13,662  7,907  11,818  n/m (18,950) 27,237  n/m
Noninterest expense 159,915  157,302  152,048  150,868  147,919  8  317,217  289,018  10 
Income before income tax expense 149,168  108,355  112,678  118,073  100,502  48  257,523  191,661  34 
Income tax expense 33,530  24,066  26,223  26,579  21,769  54  57,596  41,515  39 
Net income 115,638  84,289  86,455  91,494  78,733  47  199,927  150,146  33 
Non-operating items (37,582) 508  606  3,468  4,833  n/m (37,074) 6,130  n/m
Income tax benefit of non-operating items 8,347  (113) (133) (751) (1,047) n/m 8,234  (1,328) n/m
Net income - operating (1)
$ 86,403  $ 84,684  $ 86,928  $ 94,211  $ 82,519  5  $ 171,087  $ 154,948  10 
PERFORMANCE MEASURES
Per common share:
Diluted net income - GAAP $ 0.95  $ 0.69  $ 0.70  $ 0.70  $ 0.63  51  $ 1.65  $ 1.21  36 
Diluted net income - operating (1)
0.71  0.70  0.71  0.75  0.66  8  1.41  1.25  13 
Cash dividends declared 0.25  0.25  0.25  0.25  0.24  4  0.50  0.48  4 
Book value 31.27  30.54  30.17  29.44  28.89  8  31.27  28.89  8 
Tangible book value (3)
23.31  22.56  22.24  21.59  21.00  11  23.31  21.00  11 
Key performance ratios:
Return on common equity - GAAP (2)(4)
12.56  % 9.35  % 9.48  % 9.20  % 8.45  % 10.97  % 8.18  %
Return on common equity - operating (1)(2)(4)
9.39  9.39  9.53  9.83  8.87  9.39  8.45 
Return on tangible common equity - operating (1)(2)(3)(4)
12.98  13.05  13.31  13.56  12.34  13.02  11.78 
Return on assets - GAAP (4)
1.63  1.22  1.21  1.29  1.11  1.43  1.06 
Return on assets - operating (1)(4)
1.22  1.22  1.22  1.33  1.16  1.22  1.10 
Net interest margin (FTE) (4)
3.68  3.65  3.62  3.58  3.50  3.66  3.43 
Efficiency ratio - GAAP 57.01  56.66  54.40  54.30  56.69  56.84  56.71 
Efficiency ratio - operating (1)
56.69  55.65  54.19  53.05  54.84  56.18  55.51 
Equity to total assets 12.89  12.97  12.99  12.78  12.86  12.89  12.86 
Tangible common equity to tangible assets (3)
9.94  9.92  9.92  9.71  9.45  9.94  9.45 
ASSET QUALITY
NPAs $ 103,387  $ 98,623  $ 93,498  $ 97,916  $ 83,959  23  $ 103,387  $ 83,959  23 
ACL - loans 168,705  208,396  210,429  215,791  216,500  (22) 168,705  216,500  (22)
Net charge-offs 7,864  10,377  16,418  7,676  8,225  (4) 18,241  17,832  2
ACL - loans to loans 0.94  % 1.06  % 1.09  % 1.13  % 1.14  % 0.94  % 1.14  %
Net charge-offs to average loans (4)
0.16  0.22  0.34  0.16  0.18  0.19  0.20 
NPAs to total assets 0.36  0.35  0.33  0.35  0.30  0.36  0.30 
AT PERIOD END ($ in millions)
Loans held for investment $ 18,024  $ 19,602  $ 19,384  $ 19,175  $ 18,921  (5) $ 18,024  $ 18,921  (5)
Investment securities 6,377  5,889  5,988  6,163  6,382  —  6,377  6,382  — 
Total assets 29,051  28,177  28,003  28,143  28,086  3  29,051  28,086  3 
Deposits 23,724  24,025  23,798  24,021  23,963  (1) 23,724  23,963  (1)
Shareholders’ equity 3,745  3,655  3,639  3,597  3,613  4  3,745  3,613  4 
Common shares outstanding (thousands) 119,764  119,684  120,598  121,553  121,431  (1) 119,764  121,431  (1)
(1) Excludes non-operating items as detailed on Non-GAAP Performance Measures Reconciliation on page 50. (2) Net income less preferred stock dividends, divided by average realized common equity, which excludes AOCI. (3) Excludes effect of acquisition related intangibles and associated amortization. (4) Annualized.
34


Net Interest Revenue

For the three months ended:

FTE net interest revenue for the second quarter of 2026 was $242 million, an increase of $15.6 million from the same period in 2025. Net interest spread and net interest margin were 2.93% and 3.68%, respectively, which were up 31 basis points and 18 basis points, respectively, compared to the second quarter of 2025. The interest rate environment changes over the past year 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. As a result, the primary driver of the increase in FTE net interest revenue for the second quarter of 2026 from the second quarter of 2025 was a $21.0 million decrease in deposit interest expense. Interest revenue from interest-earning assets decreased $2.76 million from the second quarter of 2025. Loan interest revenue increased $8.26 million compared to the same period of 2025, mostly driven by loan growth, while securities interest revenue decreased $9.55 million due to both lower average balances and a decrease in the average rate earned.

For the six months ended:

FTE net interest revenue for the first six months of 2026 and 2025 was $476 million and $440 million, respectively. For the first six months of 2026, our net interest spread increased 37 basis points and our net interest margin increased by 23 basis points compared to the same period of 2025. Changes in net interest revenue and related metrics for the six months ended 2026 were a result of the same factors affecting the quarter.

35

Table 2 - Average Consolidated Balance Sheets and Net Interest Analysis
For the Three Months Ended June 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)
$ 19,717,360  $ 296,278  6.03  % $ 18,664,228  $ 288,023  6.19  %
Taxable securities (3)
5,982,611  44,647  2.99  6,492,288  54,191  3.34 
Tax-exempt securities (FTE) (1)(3)
340,501  2,226  2.61  354,162  2,236  2.53 
Other interest-earning assets 358,914  2,441  2.73  451,953  3,898  3.46 
Total interest-earning assets (FTE) 26,399,386  345,592  5.25  25,962,631  348,348  5.38 
Noninterest-earning assets:
Allowance for credit losses (214,950) (220,059)
Cash and due from banks 149,512  203,909 
Premises and equipment 395,986  398,241 
Other assets (3)
1,681,658  1,637,125 
Total assets $ 28,411,592  $ 27,981,847 
Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand $ 5,755,001  28,118  1.96  $ 6,051,489  36,956  2.45 
Money market 6,786,045  41,140  2.43  6,645,336  49,603  2.99 
Savings 1,094,441  483  0.18  1,195,295  1,457  0.49 
Time 3,661,687  27,955  3.06  3,532,848  30,596  3.47 
Brokered time deposits 50,655  407  3.22  50,488  524  4.16 
Total interest-bearing deposits 17,347,829  98,103  2.27  17,475,456  119,136  2.73 
Federal funds purchased and other borrowings 167,718  1,553  3.71  7,412  83  4.49 
Federal Home Loan Bank advances 313,791  3,014  3.85  —  —  — 
Long-term debt 52,420  801  6.13  237,992  2,615  4.41 
Total borrowed funds 533,929  5,368  4.03  245,404  2,698  4.41 
Total interest-bearing liabilities 17,881,758  103,471  2.32  17,720,860  121,834  2.76 
Noninterest-bearing liabilities:
Noninterest-bearing deposits 6,422,393  6,351,540 
Other liabilities 415,721  346,643 
Total liabilities 24,719,872  24,419,043 
Shareholders' equity 3,691,720  3,562,804 
Total liabilities and shareholders' equity $ 28,411,592  $ 27,981,847 
Net interest revenue (FTE) $ 242,121  $ 226,514 
Net interest-rate spread (FTE) 2.93  % 2.62  %
Net interest margin (FTE) (4)
3.68  % 3.50  %
 
(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 $1.22 million and $983,000, respectively, for the three months ended June 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 losses on AFS securities, including those related to the reclassified from AFS to HTM, have been reclassified to other assets. Pretax unrealized losses of $191 million in 2026 and $240 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.
36

Table 3 - Average Consolidated Balance Sheets and Net Interest Analysis
For the Six Months Ended June 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)
$ 19,561,444  $ 582,907  6.01  % $ 18,440,110  $ 561,953  6.15  %
Taxable securities (3)
5,954,901  89,130  2.99  6,614,294  111,363  3.37 
Tax-exempt securities (FTE) (1)(3)
343,445  4,428  2.58  355,430  4,481  2.52 
Other interest-earning assets 333,809  4,196  2.53  426,415  6,899  3.26 
Total interest-earning assets (FTE) 26,193,599  680,661  5.23  25,836,249  684,696  5.34 
Non-interest-earning assets:
Allowance for loan losses (213,914) (215,141)
Cash and due from banks 174,659  211,681 
Premises and equipment 394,925  397,347 
Other assets (3)
1,693,548  1,623,689 
Total assets $ 28,242,817  $ 27,853,825 
Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand $ 5,803,781  56,247  1.95  $ 6,092,519  74,346  2.46 
Money market 6,806,264  81,849  2.43  6,614,819  99,144  3.02 
Savings 1,092,161  963  0.18  1,146,075  2,081  0.37 
Time 3,656,390  56,138  3.10  3,489,687  61,427  3.55 
Brokered time deposits 55,440  935  3.40  50,468  1,072  4.28 
Total interest-bearing deposits 17,414,036  196,132  2.27  17,393,568  238,070  2.76 
Federal funds purchased and other borrowings 137,858  2,551  3.73  43,883  1,190  5.47 
Federal Home Loan Bank advances 208,619  3,983  3.85  19,343  433  4.51 
Long-term debt 86,247  2,002  4.68  246,061  5,477  4.49 
Total borrowed funds 432,724  8,536  3.98  309,287  7,100  4.63 
Total interest-bearing liabilities 17,846,760  204,668  2.31  17,702,855  245,170  2.79 
Noninterest-bearing liabilities:
Noninterest-bearing deposits 6,344,315  6,273,313 
Other liabilities 376,882  358,227 
Total liabilities 24,567,957  24,334,395 
Shareholders' equity 3,674,860  3,519,430 
Total liabilities and shareholders' equity $ 28,242,817  $ 27,853,825 
Net interest revenue (FTE) $ 475,993  $ 439,526 
Net interest-rate spread (FTE) 2.92  % 2.55  %
Net interest margin (FTE) (4)
3.66  % 3.43  %
 
(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 $2.33 million and $1.97 million, respectively, for the six months ended June 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 $183 million and $254 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
June 30,		 Change Six Months Ended
June 30,		 Change
2026 2025 Amount Percent 2026 2025 Amount Percent
Service charges and fees:
Overdraft fees $ 3,502  $ 3,294  $ 208  6  % $ 6,631  $ 6,321  $ 310  5  %
ATM and debit card fees 3,994  3,979  15  —  7,600  7,755  (155) (2)
Other service charges and fees 2,879  2,849  30  1  5,689  5,581  108  2 
Total service charges and fees 10,375  10,122  253  2  19,920  19,657  263  1 
Mortgage loan gains and related fees 6,780  5,370  1,410  26  14,809  11,492  3,317  29 
Wealth management fees 4,932  4,400  532  12  9,561  8,865  696  8 
Net gains on sales of other loans 947  1,995  (1,048) (53) 2,840  3,391  (551) (16)
Lending and loan servicing fees 4,098  3,690  408  11  8,069  7,855  214  3 
Securities gains, net (2) 286  (288) n/m 131  292  (161) n/m
Other noninterest income:
Customer derivative fees 1,167  905  262  29 2,739  2,157  582  27 
Trading securities losses (904) —  (904) n/m (1,978) —  (1,978) n/m
Other investment income 1,824  (333) 2,157  n/m 3,621  71  3,550  n/m
BOLI 2,311  2,026  285  14  4,243  4,135  108  3 
Treasury management income 2,520  1,975  545  28  4,913  3,958  955  24 
Other 4,332  4,272  60  1  13,258  8,491  4,767  n/m
Total other noninterest income 11,250  8,845  2,405  27  26,796  18,812  7,984  42 
Total noninterest income $ 38,380  $ 34,708  $ 3,672  11  $ 82,126  $ 70,364  $ 11,762  17 

The increase in mortgage loan gains and related fees for the three and six months ended June 30, 2026 compared to the same periods of 2025 was primarily a result of an increase in mortgage servicing income of $1.10 million and $2.14 million, respectively, which includes 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 six months ended June 30, 2026, we recognized $904,000 and $1.98 million, respectively, in losses on trading securities, which is included in other noninterest income on the consolidated statements of income.

The decrease in net gains on sales of other loans is primarily driven by our strategic decision to retain more of our SBA/USDA loan production during the second quarter of 2026.

During the three and six months ended June 30, 2026, other investment income reflects higher earnings on our mutual fund portfolio and our fintech and limited partnership investments compared to the same periods 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 other noninterest income for the six months ended June 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.

Provision for Credit Losses

We recorded negative provisions for credit losses of $29.8 million and $19.0 million, respectively, for the three and six months ended June 30, 2026, compared to provision expense of $11.8 million and $27.2 million, respectively, for the same respective 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 provisions for the three and six months ended June 30, 2026 reflect the reversal of the ACL related to the equipment financing portfolio, as substantially all of that portfolio was reclassified to held for sale during the second quarter of 2026. Additional discussion on credit quality and the ACL is included in the “Allowance for Credit Losses” section of MD&A in this Report.
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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
June 30,		 Change Six Months Ended
June 30,		 Change
2026 2025 Amount Percent 2026 2025 Amount Percent
Salaries and employee benefits $ 96,242  $ 86,997  $ 9,245  11  % $ 197,491  $ 171,264  $ 26,227  15  %
Communications and equipment 13,743  13,332  411  3  27,845  27,031  814  3 
Occupancy 11,232  10,935  297  3  22,957  21,864  1,093  5 
Advertising and public relations 2,708  2,881  (173) (6) 5,105  4,762  343  7 
Postage, printing and supplies 2,744  2,495  249  10  5,501  5,056  445  9 
Professional fees 6,868  5,609  1,259  22  12,444  11,540  904  8 
Lending and loan servicing expense 3,105  2,330  775  33  5,687  4,317  1,370  32 
Outside services - electronic banking 3,555  3,570  (15) —  7,114  6,333  781  12 
FDIC assessments and other regulatory charges 4,327  4,745  (418) (9) 6,596  9,387  (2,791) (30)
Amortization of intangibles 2,938  3,292  (354) (11) 6,001  6,578  (577) (9)
Merger-related and other charges 895  4,833  (3,938) (81) 1,768  6,130  (4,362) (71)
Other 11,558  6,900  4,658  68  18,708  14,756  3,952  27 
Total noninterest expense $ 159,915  $ 147,919  $ 11,996  8  $ 317,217  $ 289,018  $ 28,199  10 

The increase in salaries and employee benefits for the second quarter of 2026 compared to 2025 was mostly driven by an increase in salaries and higher performance-related incentive compensation as well as an increase in group medical expense. The increase in salaries was partly driven by annual merit increases that went into effect on April 1, 2026 and the increase in full-time equivalent employees. At June 30, 2026 and 2025 we had 3,141 and 3,050 full-time equivalent employees, respectively, an increase of 3%, reflecting our current strategic hiring plan. In addition to the factors impacting the quarter, the increase for the six months ended June 30, 2026 also reflects the $6.70 million first quarter one-time payroll transition bonus. The bonus was paid to bridge the gap in payroll dates due to the transition from a semi-monthly payroll cycle to a bi-weekly payroll cycle in arrears.

The decrease in FDIC assessments and other regulatory charges for the six months ended June 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 six months ended June 30, 2026 was primarily attributable to higher legal fees compared to the same periods of 2025, driven by the Navitas California lender licensing issue discussed below, as well as other non-recurring legal expenses.

The increase in lending and loan servicing expense for the three and six months ended June 30, 2026 reflects higher expense accruals for loan collateral related insurance and property taxes compared to the same periods of 2025.

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

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 drove the increase in other noninterest expense for the three and six months ended June 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 three and six months ended June 30, 2026.

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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
June 30,		 Six Months Ended
June 30,
2026 2025 2026 2025
Income before income taxes $ 149,168  $ 100,502  $ 257,523  $ 191,661 
Income tax expense 33,530  21,769  57,596  41,515 
Effective tax rate 22.5  % 21.7  % 22.4  % 21.7  %

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.

Loans Held for Investment

As of June 30, 2026, loans held for investment totaled $18.0 billion, compared to $19.4 billion at December 31, 2025. The decrease was primarily due to the reclassification, following the decision to sell Navitas, of $1.91 billion of equipment financing receivables to held for sale in the second quarter of 2026, representing substantially all of that portfolio. The remainder of equipment financing receivables retained were reclassified to the commercial and industrial category, as equipment financing no longer represents a significant category of loans held for investment. Excluding equipment financing receivables reclassified as held for sale, loans increased $457 million, or 3%, from December 31, 2025 representing organic loan growth, particularly in our commercial portfolio. We continue to focus on organic loan growth and have seen loan growth begin to accelerate during the second quarter of 2026. One of the key initiatives implemented by Management is the onboarding of experienced and proven revenue producers whereby over 35 such producers have been added since the third quarter of 2025.
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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 June 30, 2026 totaled $169 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 reclassified to held for sale during June of 2026. As the equipment financing loans have a higher projected loss rate, the ACL coverage ratio decreased in correlation with the release of the ACL on those loans. The ACL for the remainder of the loan portfolio increased approximately 3%, mostly due to loan growth. Our ACL for unfunded commitments, which totaled $19.6 million, increased $4.53 million compared to December 31, 2025, due to an increase in our construction commitments combined with a higher modeled loss rate.

The following tables provide information on loans and the ACL for the periods indicated. See Note 5 to the consolidated financial statements for further information on loans and the ACL.

Table 7 - Loan Portfolio Composition and ACL Allocation
(dollars in thousands)
June 30, 2026 December 31, 2025
Loans % of portfolio ACL ACL to Loans Loans % of portfolio ACL ACL to Loans
Owner occupied CRE $ 4,117,210  23  % $ 27,207  0.66  % $ 3,949,898  20  % $ 24,888  0.63  %
Income producing CRE 5,017,781  28  37,449  0.75  5,032,342  26  44,071  0.88 
Commercial & industrial 2,858,749  16  48,724  1.70  2,696,291  14  43,269  1.60 
Commercial construction & land 1,142,870  6  12,291  1.08  997,802  5  8,286  0.83 
Equipment financing —  —  —  —  1,847,999  10  45,852  2.48 
Total commercial 13,136,610  73  125,671  0.96  14,524,332  75  166,366  1.15 
Residential mortgage 3,100,617  17  26,898  0.87  3,157,017  16  29,241  0.93 
Home equity 1,403,383  8  12,573  0.90  1,319,474  7  11,849  0.90 
Residential construction & land 194,644  1  2,081  1.07  190,625  1  1,799  0.94 
Consumer 193,439  1  1,482  0.77  187,536  1  1,174  0.63 
Total (1)
$ 18,028,693  $ 168,705  0.94  $ 19,378,984  $ 210,429  1.09 
(1) Loans presented exclude fair value hedge basis adjustments.
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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
(dollars in thousands)
Three Months Ended
June 30,		 Six Months Ended
June 30,
2026 2025 2026 2025
Net charge-offs (recoveries)
Owner occupied CRE $ (3,447) $ 470 $ (2,781) $ 596
Income producing CRE 57 933 (28) 1,651
Commercial & industrial 6,859 1,027 10,168 3,474
Commercial construction (22) 89 (16) (49)
Equipment financing 3,697 4,963 9,532 10,005
Residential mortgage 57 313 190 312
Home equity (24) (72) (78) (134)
Residential construction (6) (9) 6 210
Consumer 693 511 1,248 1,767
Total net charge-offs $ 7,864 $ 8,225 $ 18,241 $ 17,832
Average loans
Owner occupied CRE $ 4,057,269 $ 3,492,599 $ 4,006,798 $ 3,438,970
Income producing CRE 4,978,937 4,488,186 4,982,002 4,451,373
Commercial & industrial 2,823,245 2,507,891 2,761,800 2,479,055
Commercial construction 1,103,439 1,744,511 1,093,552 1,701,888
Equipment financing 1,897,779 1,723,360 1,868,548 1,689,191
Residential mortgage 3,114,831 3,214,776 3,130,735 3,219,652
Home equity 1,367,692 1,134,274 1,342,305 1,100,224
Residential construction 185,631 174,030 188,486 175,716
Consumer 188,537 184,601 187,218 184,041
Total average loans $ 19,717,360 $ 18,664,228 $ 19,561,444 $ 18,440,110
Net charge-offs to average loans (1)
Owner occupied CRE (0.34) % 0.05  % (0.14) % 0.03  %
Income producing CRE —  0.08  —  0.07 
Commercial & industrial 0.97  0.16  0.74  0.28 
Commercial construction (0.01) 0.02  —  (0.01)
Equipment financing 0.78  1.16  1.03  1.19 
Residential mortgage 0.01  0.04  0.01  0.02 
Home equity (0.01) (0.03) (0.01) (0.02)
Residential construction (0.01) (0.02) 0.01  0.24 
Consumer 1.47  1.11  1.34  1.94 
Total 0.16  0.18  0.19  0.20 
(1) Annualized.

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Nonperforming Assets

The table below summarizes NPAs for the periods indicated. NPAs include nonaccrual loans, OREO and repossessed assets. The main driver of the increase in nonaccrual loans since December 31, 2025 was a small population of larger owner-occupied CRE loans moving to nonaccrual during the first six months of 2026.

Table 9 - NPAs
(dollars in thousands)
June 30,
2026		 December 31,
2025		 $ Change
Nonaccrual loans held for investment:
Owner occupied CRE $ 20,027  $ 11,165  $ 8,862 
Income producing CRE 11,655  11,488  167 
Commercial & industrial 21,147  18,294  2,853 
Commercial construction & land 916  18  898 
Equipment financing —  10,383  (10,383)
Total commercial 53,745  51,348  2,397 
Residential mortgage 30,506  32,423  (1,917)
Home equity 6,435  5,247  1,188 
Residential construction & land 338  1,079  (741)
Consumer 977  1,001  (24)
Total
 92,001  91,098  903 
Nonaccrual equipment financing loans and leases HFS 9,392  —  9,392 
Total nonaccrual loans 101,393  91,098  10,295 
OREO and repossessed assets 1,994  2,400  (406)
Total NPAs $ 103,387  $ 93,498  $ 9,889 
Nonaccrual loans held for investment as a percentage of total loans held for investment 0.51  % 0.47  %
NPAs as a percentage of total assets 0.36  0.33 
ACL - loans to nonaccrual loans coverage ratio 1.83 2.31

Concentration Considerations

Commercial loans make up 73% of our loan portfolio, which as of June 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.

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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)
June 30, 2026 December 31, 2025

Total
% of loans in category
Total
% of loans in category
Retail $ 1,417,655  24  % $ 1,338,882  23  %
Office 969,448  16  898,359  15 
Multifamily 796,177  13  889,579  15 
Warehouse and industrial 742,282  13  656,749  11 
Hotel 440,144  7  487,467  8 
Builder finance 380,506  6  360,698  6 
Rental 1-4 family 322,471  6  325,105  6 
Self storage 317,475  5  296,583  5 
Other 286,302  5  265,937  5 
Senior care 171,250  3  204,558  3 
Land 138,087  2  155,956  3 
Total
 $ 5,981,797  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.
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At June 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)
June 30, 2026 December 31, 2025
Available liquid funds:
Cash and cash equivalents $ 455,097  $ 395,754 
Unused Borrowing Capacity (1):
FHLB 2,032,406  2,006,045 
Federal Reserve - Discount Window 1,884,042  2,347,191 
Unpledged securities available as collateral for additional borrowings 2,638,764  3,007,534 
Total available funds $ 7,010,309  $ 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 June 30, 2026 was sufficient to meet our expected cash flow requirements for the foreseeable future. See the consolidated statement of cash flows for further detail.

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 decreased $57.6 million, mostly due to a seasonal decrease in public funds, partially offset by an increase in noninterest bearing demand balances. As of June 30, 2026, we had approximately $9.48 billion of uninsured deposits, of which $2.79 billion was collateralized by investment securities.

Table 12 - Deposits
(dollars in thousands)
June 30, 2026 December 31, 2025
Balance
 % of Total Balance % of Total
Noninterest-bearing demand $ 6,449,517  27  % $ 6,252,252  26  %
NOW and interest-bearing demand 5,677,423  24  5,969,864  25 
Money market and savings 7,772,771  33  7,781,861  33 
Time 3,665,862  15  3,619,189  15 
Total customer deposits 23,565,573  99  23,623,166  99 
Brokered deposits 158,636  1  175,264  1 
Total deposits $ 23,724,209  $ 23,798,430 

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
45

of the dates presented. Effective duration represents the expected change in the price of a security when rates change by 100 basis points.

Table 13 - AFS and HTM Investment Securities
(dollars in thousands)
June 30, 2026 December 31, 2025
Carrying Value
% of portfolio
Carrying Value
% of portfolio
$ Change
AFS
 $ 4,106,366  65  % $ 3,750,863  63  % $ 355,503 
HTM
 2,179,043  35  2,237,356  37  (58,313)
   Total AFS and HTM investment securities $ 6,285,409  $ 5,988,219  $ 297,190 
AFS and HTM investment securities as a % of total assets 22  % 21  %
Weighted average life
 5.4 years 5.4 years
Swap adjusted effective duration
 3.2  % 3.5  %
Effective duration
 3.4  3.8 
During the second quarter of 2026, we purchased $759 million in AFS securities, mostly in preparation for the expected cash inflows from the sale of Navitas, which is expected to close in the third quarter of 2026. These purchases were partly offset by sales, maturities and paydowns during the period.
Over the last six months, we have strategically worked to reduce our interest rate risk by buying shorter duration securities, which is reflected in the decrease in the effective duration of the securities portfolio.
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. See Note 6 to the financial statements for further detail.
At June 30, 2026, HTM debt securities had a fair value of $1.85 billion, indicating net unrealized losses of $330 million (pre-tax). Additional unrealized losses on HTM debt securities of $48.2 million (pre-tax) were included in AOCI as a result of the reclassification of certain AFS debt securities to HTM in 2022. Unrealized losses were primarily attributable to changes in interest rates.
See Note 4 to the consolidated financial statements for additional detail on investment securities.

Borrowing Activities

At June 30, 2026 and December 31, 2025, the Holding Company had long-term debt outstanding of $20.6 million and $120 million, respectively, which includes trust preferred securities and, as of December 31, 2025, also includes subordinated debt. On April 30, 2026, we redeemed our $100 million in principal amount of subordinated debentures prior to maturity. At June 30, 2026, the Bank had $360 million in short-term borrowings outstanding, compared to $85.0 million at December 31, 2025. The Bank also had $800 million in FHLB advances at June 30, 2026. In the second quarter we utilized wholesale funding sources to facilitate securities purchases, as discussed above, and fund loan growth.

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
46

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.

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. Other than an assumption for the runoff of estimated surge deposits, which is assumed to be replaced with higher cost wholesale funding, this presentation generally assumes no change in deposit portfolio size or composition.

Table 14 - Interest Sensitivity
Increase (Decrease) in Net Interest Revenue from Base Scenario at
June 30, 2026 December 31, 2025
Change in Rates Shock Ramp Shock Ramp
200 basis point increase 0.65  % 0.54  % 0.52  % 0.66  %
100 basis point increase 0.48  0.35  0.41  0.39 
100 basis point decrease (0.92) (0.69) (0.81) (0.69)
200 basis point decrease (2.24) (1.30) (2.06) (1.35)

Overall, the shift toward floating-rate earning assets outpaced the increase in liability sensitivity, resulting in a modest increase in asset sensitivity from December 31, 2025 to June 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 June 30, 2026 was $3.75 billion, an increase of $106 million from December 31, 2025 primarily due to year-to-date earnings of $200 million, partially offset by common stock repurchases of $37.4 million and dividends declared on common stock of $60.8 million.
47


Regulatory Capital

The following table shows capital composition as of June 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.

Table 15 - Capital Composition under Basel III
(in thousands)
United Community Banks, Inc. (Consolidated) United Community Bank
June 30,
2026		 December 31,
2025		 June 30,
2026		 December 31,
2025
Total common shareholders' equity $ 3,745,004  $ 3,638,686  $ 3,422,602  $ 3,391,455 
Goodwill (925,119) (925,119) (925,119) (925,119)
Intangibles, other than goodwill and mortgage servicing rights, net of associated DTLs (32,514) (37,274) (32,514) (37,274)
DTAs arising from net operating loss and tax credit carryforwards (1,682) (2,133) (1,624) (2,156)
Net unrealized losses on AFS securities 118,414  117,606  117,909  116,985 
Accumulated net gains on cash flow hedges (1,761) (5,618) —  — 
Net unrealized losses on HTM securities that are included in AOCI 35,819  38,308  35,819  38,308 
Other 257  276  257  276 
CET1 / Tier 1 Capital 2,938,418  2,824,732  2,617,330  2,582,475 
Tier 2 capital instruments 25,000  65,000  —  — 
Qualifying ACL 180,254  215,074  180,254  215,074 
Total capital $ 3,143,672  $ 3,104,806  $ 2,797,584  $ 2,797,549 

The following table shows capital ratios, as calculated under applicable regulatory guidelines, at June 30, 2026 and December 31, 2025. As of June 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 10 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 June 30,
2026		 December 31,
2025		 June 30,
2026		 December 31,
2025
Risk-based ratios:
CET1 capital 4.5  % 6.5  % 7.0  % 13.53  % 13.44  % 12.09  % 12.34  %
Tier 1 capital 6.0  8.0  8.5  13.53  13.44  12.09  12.34 
Total capital 8.0  10.0  10.5  14.48  14.77  12.93  13.37 
Leverage ratio 4.0  5.0  N/A 10.66  10.28  9.52  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.

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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.


49

UNITED COMMUNITY BANKS, INC.
Table 17 - Non-GAAP Performance Measures Reconciliation
(dollars in thousands, except per share data)
2026 2025 For the Six Months Ended June 30,
Second Quarter
First Quarter
Fourth Quarter
Third Quarter
Second Quarter
 2026 2025
Noninterest income reconciliation
Noninterest income (GAAP) $ 38,380 $ 43,746 $ 40,462 $ 43,219 $ 34,708 $ 82,126 $ 70,364
Gain on terminated cash flow hedge — (5,184) — — — (5,184) —
Noninterest income - operating $ 38,380 $ 38,562 $ 40,462 $ 43,219 $ 34,708 $ 76,942 $ 70,364
Noninterest expense reconciliation
Noninterest expense (GAAP) $ 159,915 $ 157,302 $ 152,048 $ 150,868 $ 147,919 $ 317,217 $ 289,018
Payroll transition bonus — (6,704) — — — (6,704) —
FDIC special assessment accrual reversal — 1,885 — — — 1,885 —
Merger-related and other charges (895) (873) (606) (3,468) (4,833) (1,768) (6,130)
Noninterest expense - operating $ 159,020 $ 151,610 $ 151,442 $ 147,400 $ 143,086 $ 310,630 $ 282,888
Net income to operating income reconciliation
Net income (GAAP) $ 115,638 $ 84,289 $ 86,455 $ 91,494 $ 78,733 $ 199,927 $ 150,146
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 895 873 606 3,468 4,833 1,768 6,130
Income tax benefit of non-operating items 8,347 (113) (133) (751) (1,047) 8,234 (1,328)
Net income - operating $ 86,403 $ 84,684 $ 86,928 $ 94,211 $ 82,519 $ 171,087 $ 154,948
Diluted income per common share reconciliation
Diluted income per common share (GAAP) $ 0.95 $ 0.69 $ 0.70 $ 0.70 $ 0.63 $ 1.65 $ 1.21
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 0.01 0.01 0.01 0.02 0.03 0.01 0.04
Deemed dividend on preferred stock redemption — — — 0.03 — — —
Diluted income per common share - operating $ 0.71 $ 0.70 $ 0.71 $ 0.75 $ 0.66 $ 1.41 $ 1.25
Book value per common share reconciliation
Book value per common share (GAAP) $ 31.27 $ 30.54 $ 30.17 $ 29.44 $ 28.89 $ 31.27 $ 28.89
Effect of goodwill and other intangibles (7.96) (7.98) (7.93) (7.85) (7.89) (7.96) (7.89)
Tangible book value per common share $ 23.31 $ 22.56 $ 22.24 $ 21.59 $ 21.00 $ 23.31 $ 21.00
Return on tangible common equity reconciliation
Return on common equity (GAAP) 12.56  % 9.35  % 9.48  % 9.20  % 8.45  % 10.97  % 8.18  %
Gain on terminated cash flow hedge —  (0.45) —  —  —  (0.22) — 
Release of ACL on equipment finance loans (3.25) —  —  —  —  (1.64) — 
Payroll transition bonus —  0.58  —  —  —  0.29  — 
FDIC special assessment accrual reversal —  (0.16) —  —  —  (0.08) — 
Merger-related and other charges 0.08  0.07  0.05  0.29  0.42  0.07  0.27 
Deemed dividend on preferred stock redemption —  —  —  0.34  —  —  — 
Return on common equity - operating 9.39  9.39  9.53  9.83  8.87  9.39  8.45 
Effect of goodwill and other intangibles 3.59  3.66  3.78  3.73  3.47  3.63  3.33 
Return on tangible common equity - operating 12.98  % 13.05  % 13.31  % 13.56  % 12.34  % 13.02  % 11.78  %
50

UNITED COMMUNITY BANKS, INC.
Table 17 - Non-GAAP Performance Measures Reconciliation
(dollars in thousands, except per share data)
2026 2025 For the Six Months Ended June 30,
Second Quarter
First Quarter
Fourth Quarter
Third Quarter
Second Quarter
 2026 2025
Return on assets reconciliation
Return on assets (GAAP) 1.63  % 1.22  % 1.21  % 1.29  % 1.11  % 1.43  % 1.06  %
Gain on terminated cash flow hedge —  (0.06) —  —  —  (0.03) — 
Release of ACL on equipment finance loans (0.42) —  —  —  —  (0.21) — 
Payroll transition bonus —  0.07  —  —  —  0.03  — 
FDIC special assessment accrual reversal —  (0.02) —  —  —  (0.01) — 
Merger-related and other charges 0.01  0.01  0.01  0.04  0.05  0.01  0.04 
Return on assets - operating 1.22  % 1.22  % 1.22  % 1.33  % 1.16  % 1.22  % 1.10  %
Efficiency ratio reconciliation
Efficiency ratio (GAAP) 57.01  % 56.66  % 54.40  % 54.30  % 56.69  % 56.84  % 56.71  %
Gain on terminated cash flow hedge —  1.03  —  —  —  0.52  — 
Payroll transition bonus —  (2.41) —  —  —  (1.20) — 
FDIC special assessment accrual reversal —  0.68  —  —  —  0.34  — 
Merger-related and other charges (0.32) (0.31) (0.21) (1.25) (1.85) (0.32) (1.20)
Efficiency ratio - operating 56.69  % 55.65  % 54.19  % 53.05  % 54.84  % 56.18  % 55.51  %
Tangible common equity to tangible assets reconciliation
Equity to total assets (GAAP) 12.89  % 12.97  % 12.99  % 12.78  % 12.86  % 12.89  % 12.86  %
Effect of goodwill and other intangibles (2.95) (3.05) (3.07) (3.07) (3.10) (2.95) (3.10)
Effect of preferred equity —  —  —  —  (0.31) —  (0.31)
Tangible common equity to tangible assets 9.94  % 9.92  % 9.92  % 9.71  % 9.45  % 9.94  % 9.45  %

Item 3.    Quantitative and Qualitative Disclosure About Market Risk
 
There have been no material changes in our market risk as of June 30, 2026 from that presented in our 2025 10-K. Our interest rate sensitivity position at June 30, 2026 is set forth in Table 14 in MD&A of this Report and incorporated herein by this reference.
 
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 June 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.

    (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 June 30, 2026 that materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.
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Part II. OTHER INFORMATION 

Items 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.

Combining United and Peach State may be more difficult, costly or time-consuming than expected, and the anticipated benefits and cost savings of the merger and the bank merger may not be realized.
The success of the Peach State merger, including anticipated benefits and cost savings, will depend, in part, on United’s ability to successfully combine and integrate the businesses of United and Peach State in a manner that permits growth opportunities and does not materially disrupt the existing customer relations or result in decreased revenues due to loss of customers. It is possible that the integration process could result in the loss of key employees, the disruption of either company’s ongoing businesses or inconsistencies in standards, controls, procedures and policies that adversely affect the combined company’s ability to maintain relationships with clients, customers, depositors and employees or to achieve the anticipated benefits and cost savings of the merger and the bank merger. Integration efforts between the two companies could have an adverse effect on each of United and Peach State during the transition period and for an undetermined period after completion of the merger on the combined company. In addition, the actual cost savings of the merger and the bank merger could be less than anticipated.

Item 5. Other Information

On April 20, 2026, we entered into a merger agreement with Peach State, headquartered in Gainesville, Georgia. Under the terms of the merger agreement, Peach State shareholders could elect to receive either the per share cash consideration of $31.75 or the per share stock consideration of 0.8978 shares of United common stock for each share of Peach State common stock outstanding, subject to proration such that the total consideration paid will be comprised of 50% stock and 50% cash.

During the quarter ended June 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
101
Interactive data files for United Community Banks, Inc.’s Quarterly Report on Form 10-Q for the quarter ended June 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 June 30, 2026 (formatted in Inline XBRL and included in Exhibit 101)

53

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/ Jefferson L. Harralson
Jefferson L. Harralson
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: August 5, 2026
 

54
EX-31.1 2 ucb6302610-qexhibit311.htm EX-31.1 Document

Exhibit 31.1
 
I, H. Lynn Harton, certify that:
 
1. I have reviewed this quarterly report on Form 10-Q of United Community Banks, Inc. (the “Registrant”);
 
2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
 
3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
 
4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a - 15(f) and 15d - 15(f)) for the registrant and have:
 
a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
 
b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
 
c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
 
d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
 
5. The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
 
a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
 
b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.
 
Date: August 5, 2026
/s/ H. Lynn Harton
H. Lynn Harton
Chairman, Chief Executive Officer and President
 
 
EX-31.2 3 ucb6302610-qexhibit312.htm EX-31.2 Document

Exhibit 31.2
 
I, Jefferson L. Harralson, certify that:
 
1. I have reviewed this quarterly report on Form 10-Q of United Community Banks, Inc. (the “Registrant”);
 
2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
 
3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
 
4. The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a - 15(f) and 15d - 15(f)) for the registrant and have:
 
a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
 
b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
 
c) Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
 
d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
 
5. The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
 
a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
 
b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting. 
 
Date: August 5, 2026
/s/ Jefferson L. Harralson
Jefferson L. Harralson
Executive Vice President and Chief Financial Officer


EX-32 4 ucb6302610-qexhibit32.htm EX-32 Document

Exhibit 32
 
CERTIFICATIONS PURSUANT TO

18 U.S.C. SECTION 1350,

AS ADOPTED PURSUANT TO

SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
 
In connection with the Quarterly Report of United Community Banks, Inc. (“United”) on Form 10-Q for the period ending June 30, 2026 filed with the Securities and Exchange Commission on the date hereof (the “Report”), each of the undersigned officers of United certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:
 
(1)The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
(2)The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of United.
/s/ H. Lynn Harton
Name: H. Lynn Harton
Title: Chairman, Chief Executive Officer and President
Date: August 5, 2026
/s/ Jefferson L. Harralson
Name: Jefferson L. Harralson
Title: Executive Vice President and Chief Financial Officer
Date: August 5, 2026