Exhibit 99.1 

For Immediate Release

For more information:

Jefferson Harralson

Chief Financial Officer

(864) 240-6208

[email protected]

United Community Banks, Inc. Reports First Quarter Earnings

Growth, Margin Expansion, and Disciplined Expense Control Drive Results

GREENVILLE, SC – April 22, 2025 – United Community Banks, Inc. (NYSE: UCB) (United) today announced net income for the first quarter of 2025 of $71.4 million and pre-tax, pre-provision income of $106.6 million. Diluted earnings per share of $0.58 for the quarter represented an increase of $0.07 from the first quarter a year ago and a decrease of $0.03 from the fourth quarter of 2024.

On an operating basis, United’s diluted earnings per share of $0.59 were up 13% from the year-ago quarter. The primary drivers of the increased earnings per share year-over-year were higher net interest income and lower noninterest expenses, partly offset by lower noninterest income and a higher provision for credit losses.

United’s return on assets was 1.02%, or 1.04% on an operating basis. Return on common equity was 7.9%, and return on tangible common equity on an operating basis was 11.2%. On a pre-tax, pre-provision basis, operating return on assets was 1.55% for the quarter. At quarter-end, tangible common equity to tangible assets was 9.18%, up 21 basis points from the fourth quarter of 2024.

Chairman and CEO Lynn Harton stated, “The first quarter was a strong start to the year. Our teams delivered solid loan and deposit growth in what has typically been a seasonally weak quarter. Loans grew by $249 million, or 5.6% annualized, and customer deposits increased $309 million, or 5.4% annualized. Our net interest margin expanded by 10 basis points, helping us to grow net interest income by $1.7 million from the fourth quarter, despite two fewer accruing days. Credit quality remained stable, with first quarter net charge-offs holding steady at 0.21% of average loans. Our provision for credit losses increased by $4.0 million from the fourth quarter, covering first quarter net charge-offs as well as loan growth, slightly increasing our allowance for credit losses to 1.21% of loans, up from 1.20% on December 31, 2024. Expenses improved on an absolute basis from both the fourth and first quarters of 2024, reflecting our ongoing efforts to control costs.”

Harton continued, “We are particularly excited that our bankers were recognized once again by J.D. Power as #1 in Customer Satisfaction in the Southeast, along with #1 in Trust and #1 in People. This year marks our 75^th anniversary, and we’re off to a strong start. I’m proud to make this milestone meaningful for our customers, employees, and shareholders. We’re also excited to continue growing our presence in Florida with the recent announcement of our planned acquisition of American National Bank, headquartered in Oakland Park. This expansion will strengthen our footprint in the fast-growing South Florida market. Our teams have been collaborating closely for several months, and we expect to close the transaction on May 1.”

United’s net interest margin increased 10 basis points to 3.36% from the fourth quarter. The average yield on interest-earning assets was down four basis points to 5.29%, while the cost of interest-bearing liabilities decreased 19 basis points, leading to a 15-basis-point increase in the net interest spread. The 10-basis-point increase in net interest margin reflects progress in lowering the cost of funds through reduction in deposit rates and redemption of debt instruments, and to a lesser extent, the seasonal outflow of higher-priced public funds deposits.

Net charge-offs were $9.6 million, or 0.21% of average loans, during the quarter, equal to the fourth quarter of 2024. Nonperforming assets were 33 basis points relative to total assets, improved from 42 basis points for the fourth quarter.

First Quarter 2025 Financial Highlights:

Conference Call

United will hold a conference call on Tuesday, April 22 at 9:00 a.m. ET to discuss the contents of this press release and to share business highlights for the quarter. Participants can pre-register for the conference call by navigating to https://dpregister.com/sreg/10198403/fed7e1f137. Those without internet access or unable to pre-register may dial in by calling 1-844-676-1337. Participants are encouraged to dial in 15 minutes prior to the call start time. The conference call also will be webcast and can be accessed by selecting “Events and Presentations” under “News and Events” within the Investor Relations section of the company's website, ucbi.com.

⁽¹⁾ Excludes non-operating items as detailed on Non-GAAP Performance Measures Reconciliation on next page. ⁽²⁾ Net income less preferred stock dividends, divided by average realized common equity, which excludes accumulated other comprehensive income (loss). ⁽³⁾ Excludes effect of acquisition related intangibles and associated amortization. ⁽⁴⁾ Annualized. ⁽⁵⁾ Excludes income tax expense and provision for credit losses.

⁽¹⁾ At March 31, 2025, manufactured housing loans are included with consumer loans.

⁽¹⁾  Annualized.

⁽²⁾  At March 31, 2025, manufactured housing loans are included with consumer loans.                                                

About United Community Banks, Inc.

United Community Banks, Inc. (NYSE: UCB) is the financial holding company for United Community, a top 100 U.S. financial institution committed to building stronger communities and improving the financial health and well-being of its customers. United Community offers a full range of banking, mortgage and wealth management services. As of March 31, 2025, United Community Banks, Inc. had $27.9 billion in assets and operated 200 offices across Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee. The company also manages a nationally recognized SBA lending franchise and a national equipment finance subsidiary, extending its reach to businesses across the country. United is an 11-time winner of J.D. Power’s award for highest customer satisfaction among consumer banks in the Southeast and was named the most trusted bank in the region in 2025. The company has also been recognized eight consecutive years by American Banker as one of the “Best Banks to Work For.” In commercial banking, United earned five 2025 Greenwich Best Brand awards, including national honors for middle market satisfaction. Forbes has consistently named United among the World’s Best and America’s Best Banks. Learn more at ucbi.com.

Non-GAAP Financial Measures

This press release, including the accompanying financial statement tables, contains financial information determined by methods other than in accordance with generally accepted accounting principles, or GAAP. This financial information includes certain operating performance measures, which exclude merger-related and other charges that are not considered part of recurring operations, such as “noninterest income – operating”, “noninterest expense - operating”, “operating net income,” “pre-tax, pre-provision income,” “operating net income per diluted common share,” “operating earnings per share,” “tangible book value per common share,” “operating return on common equity,” “operating return on tangible common equity,” “operating return on assets,” “return on assets - pre-tax, pre-provision - operating,” “return on assets - pre-tax, pre-provision,” “operating efficiency ratio,” and “tangible common equity to tangible assets.” These non-GAAP measures are included because United believes they may provide useful supplemental information for evaluating United’s underlying performance trends. These measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non-GAAP measures that may be presented 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 with the accompanying financial statement tables.

Caution About Forward-Looking Statements

This press release contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In general, forward-looking statements usually may be identified through use of words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “predict,” “continue” and “potential,” or the negative of these terms or other comparable terminology, and include statements related to the expected benefits of the acquisition of ANB Holdings, Inc. (“ANB”). Forward-looking statements are not historical facts and represent management’s beliefs, based upon information available at the time the statements are made, with regard to the matters addressed; they are not guarantees of future performance. Actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. Forward-looking statements are subject to numerous assumptions, risks and uncertainties that change over time and could cause actual results or financial condition to differ materially from those expressed in or implied by such statements.

Factors that could cause or contribute to such differences include, but are not limited to (1) the risk that the cost savings and any revenue synergies from the ANB acquisition may not be realized or take longer than anticipated to be realized, (2) disruption from the ANB acquisition of customer, supplier, employee or other business partner relationships, (3) the possibility that the costs, fees, expenses and charges related to the ANB acquisition may be greater than anticipated, (4) reputational risk and the reaction of each of the companies’ customers, suppliers, employees or other business partners to the ANB acquisition, (5) the failure of the ANB acquisition to close or any unexpected delay in closing the ANB acquisition, (6) the risks relating to the integration of ANB’s operations into the operations of United, including the risk that such integration will be materially delayed or will be more costly or difficult than expected, (7) the risks associated with United’s pursuit of future acquisitions, (8) the risk associated with expansion into new geographic or product markets, (9) the dilution caused by United’s issuance of additional shares of its common stock in the ANB acquisition, and (10) general competitive, economic, political and market conditions. Further information regarding additional factors which could affect the forward-looking statements contained in this press release can be found in the cautionary language included under the headings “Cautionary Note Regarding Forward-Looking Statements” and “Risk Factors” in United’s Annual Report on Form 10-K for the year ended December 31, 2024, and other documents subsequently filed by United with the United States Securities and Exchange Commission (“SEC”).

Many of these factors are beyond United’s ability to control or predict. If one or more events related to these or other risks or uncertainties materialize, or if the underlying assumptions prove to be incorrect, actual results may differ materially from the forward-looking statements. Accordingly, shareholders and investors should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date of this communication, and United undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law. New risks and uncertainties may emerge from time to time, and it is not possible for United to predict their occurrence or how they will affect United.

United qualifies all forward-looking statements by these cautionary statements.

# # #

Exhibit 99.2

‹   8QLWHG&RPPXQLW\%DQN_ XFELFRP 1 Q25 Investor Presentation April 22, 2025

'LVFORVXUHV 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward - looking statements” within the meaning of Section 27 A of the Securities Act of 1933 , as amended, and Section 21 E of the Securities Exchange Act of 1934 , as amended . In general, forward - looking statements usually may be identified through use of words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “predict,” “continue” and “potential,” or the negative of these terms or other comparable terminology, and include statements related to the expected benefits of the acquisition of ANB Holdings, Inc . (“ANB”) . Forward - looking statements are not historical facts and represent management’s beliefs, based upon information available at the time the statements are made, with regard to the matters addressed; they are not guarantees of future performance . Actual results may prove to be materially different from the results expressed or implied by the forward - looking statements . Forward - looking statements are subject to numerous assumptions, risks and uncertainties that change over time and could cause actual results or financial condition to differ materially from those expressed in or implied by such statements . Factors that could cause or contribute to such differences include, but are not limited to ( 1 ) the risk that the cost savings and any revenue synergies from the ANB acquisition may not be realized or take longer than anticipated to be realized, ( 2 ) disruption from the ANB acquisition of customer, supplier, employee or other business partner relationships, ( 3 ) the possibility that the costs, fees, expenses and charges related to the ANB acquisition may be greater than anticipated, ( 4 ) reputational risk and the reaction of each of the companies’ customers, suppliers, employees or other business partners to the ANB acquisition, ( 5 ) the failure of the ANB acquisition to close or any unexpected delay in closing the ANB acquisition, ( 6 ) the risks relating to the integration of ANB’s operations into the operations of United, including the risk that such integration will be materially delayed or will be more costly or difficult than expected, ( 7 ) the risks associated with United’s pursuit of future acquisitions, ( 8 ) the risk associated with expansion into new geographic or product markets, ( 9 ) the dilution caused by United’s issuance of additional shares of its common stock in the ANB acquisition, and ( 10 ) general competitive, economic, political, regulatory and market conditions . Further information regarding additional factors which could affect the forward - looking statements contained in this press release can be found in the cautionary language included under the headings “Cautionary Note Regarding Forward - Looking Statements” and “Risk Factors” in United’s Annual Report on Form 10 - K for the year ended December 31 , 2024 , and other documents subsequently filed by United with the United States Securities and Exchange Commission (“SEC”) . Many of these factors are beyond United’s ability to control or predict . If one or more events related to these or other risks or uncertainties materialize, or if the underlying assumptions prove to be incorrect, actual results may differ materially from the forward - looking statements . Accordingly, shareholders and investors should not place undue reliance on any such forward - looking statements . Any forward - looking statement speaks only as of the date of this communication, and United undertakes no obligation to update or revise any forward - looking statements, whether as a result of new information, future events or otherwise, except as required by law . New risks and uncertainties may emerge from time to time, and it is not possible for United to predict their occurrence or how they will affect United . 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  %,//,21,1 727$/ $66(76 United Community Banks, Inc. Note: See Glossary located at the end of this presentation for reference on certain acronyms (1) 1Q25 regulatory capital ratio is preliminary 3 8&%,%DQNLQJ2IILFHV Regional Full - Service Branch Network National Navitas and SBA Markets Company Overview   %,//,21,1 727$/ '(326,76   %,//,21,1 $8$ 13.3% CET1 RBC (1) $18.4 BILLION IN TOTAL LOANS $0.24 QUARTERLY COMMON DIVIDEND  %$1.,1*2)),&(6 $&52667+( 6287+($67 #1 IN CUSTOMER SATISFACTION with Consumer Banking in the Southeast in 2025 Plus #1 in Trust and People - J.D. Power BEST BANK AWARDS 5 awards for outstanding performance in small business and middle market banking in 2025 - Coalition Greenwich %(67%$1.672:25.)25 LQ  IRUWKHHLJKWKFRQVHFXWLYH\HDU   $PHULFDQ%DQNHU 3UHPLHU6RXWKHDVW5HJLRQDO%DQN ±  &HOHEUDWLQJ  <HDUVRI([FHSWLRQDO6HUYLFH Acquisition of ANB Holdings, Inc. (“ANB”) expected to close on May 1, 2025, with ~$440 million assets and ~$375 million deposits Metro - focused branch network with locations in the fastest - growing MSAs in the Southeast 190 branches, 10 LPOs, and 3 MLOs across six Southeast states; Top 10 deposit market share in GA and SC Extended Navitas and SBA Markets Navitas subsidiary is a technology - enabled, small - ticket, essential - use commercial equipment financing provider SBA business has both in - footprint and national business (4 specific verticals) EB0 EB1 EB2

Ϭ͘ϵϬ й 1.06% 1.02% 0.93% ϭ͘Ϭϴ й 1.04% 1Q24 4Q24 1Q25 Return on Average Assets GAAP Operating  Ψ Ϭ͘ϱϭ  Ψ Ϭ͘ϲϭ $0.58 $0.52 $0.63  Ψ Ϭ͘ϱϵ 1Q24 4Q24 1Q25 Diluted Earnings Per Share GAAP Operating $26.83 Ψ Ϯϳ͘ϴϳ Ψ Ϯϴ͘ϰϮ $18.71 $20.00 $20.58 1Q24 4Q24 1Q25 ŽŽŬsĂůƵĞWĞƌ^ŚĂƌĞ GAAP Tangible 1.01% Return on assets – operating (1) 1Q25 Highlights  6HHQRQ  *$$3UHFRQFLOLDWLRQWDEOHVOLGHVLQWKHH[KLELWVWRWKLVSUHVHQWDWLRQIRUD UHFRQFLOLDWLRQRIRSHUDWLQJSHUIRUPDQFHPHDVXUHVWR*$$3SHUIRUPDQFH ϭ͘ϯϲ й 1.52% 1.54% 1.40% ϭ͘ϱϱ й 1.55% 1Q24 4Q24 1Q25 PTPP Return on Average Assets PTPP Operating  ; ϭ Ϳ (1) (1) $0.58 Diluted earnings per share – GAAP $0.59 Diluted earnings per share – operating ( 1)   5HWXUQRQDVVHWV ±  *$$3   5HWXUQRQDVVHWV ±  RSHUDWLQJ    1.55% Return on assets – PTPP – operating (1) 2.05% Cost of deposits 26% DDA / total deposits   5HWXUQRQFRPPRQHTXLW\ ±  *$$3   5HWXUQRQWDQJLEOHFRPPRQHTXLW\ ±  RSHUDWLQJ      (IILFLHQF\UDWLR ±  *$$3   (IILFLHQF\UDWLR ±  RSHUDWLQJ    $20.58 TBV per share (1) 3.36% Net interest margin (1) 10% Year - over - year TBV per share (1) improvement 6% Year - over - year net interest revenue improvement 16 bps Year - over - year net interest margin improvement 293 bps Year - over - year operating (1) efficiency ratio improvementEB0EB1

5.25% ϱ͘Ϯϱ й 5.18% 4.58% ϰ͘Ϯϱ й Ϯ͘Ϯϰ й 2.35% 2.35% 2.20% Ϯ͘Ϭϱ й 4Q23 2Q24 3Q24 4Q24 1Q25 Fed Target Average Lower Bound UCBI Cost of Deposits Outstanding Deposit Franchise Deposit Costs Down 15 bps in 1Q25  &XVWRPHU'HSRVLW*URZWK ([FOXGLQJEURNHUHGGHSRVLWVDQGSXEOLFIXQGVGHSRVLWV JUHZ  PLOOLRQRU  DQQXDOL]HGIURP  4  &XVWRPHUGHSRVLWVZHUHXS  PLOOLRQRU   DQQXDOL]HGIURP  4  3XEOLFIXQGVRI  ELOOLRQZHUHGRZQ  PLOOLRQ IURP  4  1RQLQWHUHVW  EHDULQJ''$JUHZ  PLOOLRQRU   DQQXDOL]HG 1Q25 Change in Customer Deposits $ 23,602 23,293  Ψ ϰϲ $14 $5  Ψ Ϯϯϵ  Ψ ϱ 4Q24 Total Customer Deposits Noninterest- bearing NOW Savings MMA Time 1Q25 Total Customer Deposits $ in millions Deposit Costs Continue to Trend Down Reduction of 15 bps QoQ driven by active management, product mix, and benefit of CD repricing Cumulative deposit beta of 30% through 1Q25 Average rate of time deposits maturing in 1Q25 improved ~65 bps, from 4.14% to 3.49% $1.3 billion, or 39%, of time deposits mature in 2Q25 at 3.78% Time MMA Savings NOW Noninterest - bearing 1Q25 Public Funds Δ $5 ($2) ($0) ($92) $4 EB0 EB1 EB2 EB3 AK4 EB5

Deposit Trends Deposits are granular with ~$34,000 average account size and are diverse by industry and geography Business deposits of $8.7 billion and personal deposits of $11.6 billion in 1Q25 The remaining $3.5 billion of deposits are predominantly comprised of public funds $1.3 billion, or 39%, of time deposits mature in 2Q25 at 3.78% dŝŵĞĞƉŽƐŝƚŽŶƚƌĂĐƚƵĂůDĂƚƵƌŝƚŝĞƐ ƵƐƚŽŵĞƌĞƉŽƐŝƚ'ƌĂŶƵůĂƌŝƚLJ $20,304 $20,006 $20,033 Ψ ϮϬ͕ϯϬϵ $20,502 $77,546 Ψ ϳϰ͕ϱϲϴ Ψ ϳϱ͕ϵϳϳ $72,724 $74,118 1Q24 2Q24 3Q24 4Q24 1Q25 Personal Deposits Avg Acct Size Business Deposits Avg Acct Size $16.9 Ψ ϭϲ͘ϳ $17.1 $17.3 Ψ ϭϳ͘ϱ Ψ ϲ͘ϰ $6.3 $6.2 $6.2 Ψ ϲ͘ϯ $23.3 $23.0 Ψ Ϯϯ͘ϯ Ψ Ϯϯ͘ϱ $23.8 27% 27% Ϯϳ й 26% 26% 1Q24 2Q24 3Q24 4Q24 1Q25 Interest-Bearing Deposits Noninterest-Bearing Deposits % Noninterest-Bearing Deposits  dŽƚĂůĞƉŽƐŝƚDŝdždƌĞŶĚ $ in billions $ in actual $ in millions Ψ ϭ͕ϯϰϵ $718 $611 Ψ Ϯϵϱ Ψ ϰϵϵ 3.78% 3.59% 3.17% ϯ͘ϭϯ й 3.28% 2Q25 3Q25 4Q25 1Q26 Beyond Time Deposits Weighted Avg Rate EB0

Ψ ϭϴ͕ϰϮϱ $18,176 $99 $60 $55 $18 Ψ ϯϰ ; Ψ ϭϳ Ϳ 4Q24 Total Loans C&I Equipment Finance CRE Construction HELOC Mortgage / Consumer 1Q25 Total Loans  4  /RDQ3RUWIROLR*URZWK Stronger Targeted Loan Growth Quarter Highlights Loan growth of 5.6% annualized, primarily driven by C&I, equipment finance, and HELOC Senior Care portfolio down $23 million, or 8%, from 4Q24 Construction and CRE ratios as a percentage of total RBC were 62% and 204%, respectively, improved from 76% and 213% in 1Q24 Top 25 relationships totaled $955 million, or 5.2% of total loans, up $36 million from 1Q24 SNCs outstanding of $287 million, or 1.6% of total loans, up $23 million from 1Q24 Conservative relationship lending limits driven by risk grades 7 6% 1% ϭ й ϰϮ й Ϯϰ й 17% 9% 1Q25 Total Loans $18.4 Billion C&I Commercial Construction &5( 2WKHU&RQVXPHU 5HVLGHQWLDO 0RUWJDJH Home Equity Residential Construction $ in millions % QoQ annualized Note: C&I includes Commercial & Industrial and Owner Occupied CRE +7%       EB0 EB1

79% 80% 78% 78% ϳϴ й 92% 1Q24 2Q24 3Q24 4Q24 1Q25 United KRX Peer Median 6XEVWDQWLDOEDODQFHVKHHWOLTXLGLW\DQGDERYH  SHHUFDSLWDO UDWLRV   ELOOLRQVHFXULWLHVSRUWIROLRRIIHUVVLJQLILFDQWQHDU   DQG PHGLXP  WHUPFDVKIORZRSSRUWXQLWLHV 1RRXWVWDQGLQJZKROHVDOHERUURZLQJVDWWKHHQGRI  4   RIWRWDOGHSRVLWVDUHEURNHUHGLQ  4  FRPSDUHGWR  IRUWKH.5;SHHUPHGLDQ ϴ͘ϱ й 8.8% 8.9% 9.0% 9.2% ϴ͘ϯ й 1Q24 2Q24 3Q24 4Q24 1Q25 United KRX Peer Median >ŽĂŶƐͬŽƌĞĞƉŽƐŝƚƐй Tangible Common Equity / Tangible Assets % Common Equity Tier 1 RBC %* 12.4% 12.8% ϭϯ͘ϭ й 13.2% ϭϯ͘ϯ й ϭϮ͘Ϯ й 1Q24 2Q24 3Q24 4Q24 1Q25 United KRX Peer Median Balance Sheet Strength – Liquidity and Capital 8 *1Q25 regulatory capital ratio is preliminary

Risk - Based Capital Ratios dĂŶŐŝďůĞŽŽŬsĂůƵĞWĞƌ^ŚĂƌĞ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ϭϮ͘Ϯ й 13.3% Ϭ͘ϰ й Ϭ͘ϱ й 0.5% 0.5% 0.6% 0.4% ϭ͘ϴ й 1.8% ϭ͘ϴ й ϭ͘ϱ й 1.8% 1.4% 14.6% 15.1% ϭϱ͘ϯ й 15.1% ϭϰ͘ϲ й ϭϱ͘ϭ й 1Q24 2Q24 3Q24 4Q24 4Q24 KRX Peer Median 1Q25* CET1 Additional Tier 1 Tier 2 Above - Peer Capital Ratios $20.58 $20.00  Ψ Ϭ͘ϱϴ ( $0.25 )  Ψ Ϭ͘ϮϮ  Ψ Ϭ͘Ϭϯ 4Q24 TBV GAAP Earnings Dividends Change in AOCI Other 1Q25 TBV 9 *1Q25 regulatory capital ratios are preliminary (1) Dividends include both common and preferred dividends (1) EB0 EB1

 Ψ ϭϵϵ͘ϭ  Ψ ϮϭϬ͘ϯ $212.0 3.20% 3.26% 3.36% ϯ͘ϭϯ й 3.19% ϯ͘ϯϭ й $100.0 $120.0 $140.0 $160.0 $180.0 $200.0 2.00% 2.50% 3.00% 3.50% 4.00% 1Q24 4Q24 1Q25 Net Interest Revenue Net Interest Margin Core Net Interest Margin ϯ͘ϯϲ й 3.26% 0.05% 0.04% ( 0.02% ) Ϭ͘Ϭϯ й 4Q24 NIM Rate Mix Accretion Day Count / Other 1Q25 NIM Net Interest Revenue & Net Interest Margin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et Interest Revenue / Margin (1) Yields & Costs 6.24% ϲ͘ϰϯ й 6.42% ϲ͘Ϯϭ й ϲ͘ϭϬ й 3.20% 3.37% 3.33% 3.26% ϯ͘ϯϲ й 3.04% ϯ͘Ϯϭ й ϯ͘Ϯϴ й 3.26% 3.35% 3.23% 3.27% ϯ͘Ϯϱ й 3.02% Ϯ͘ϴϯ й 1Q24 2Q24 3Q24 4Q24 1Q25 Loan Yield NIM Securities Yield Cost of IBL   1HWLQWHUHVWPDUJLQLVFDOFXODWHGRQDIXOO\  WD[DEOHHTXLYDOHQWEDVLV   &RUHQHWLQWHUHVWPDUJLQH[FOXGHVSXUFKDVHGORDQDFFUHWLRQ (2) (1) 10 $ in millions EB0

$9.3  Ψ ϭϬ͘ϲ  Ψ ϭϬ͘ϱ $10.6  Ψ ϵ͘ϱ $7.5 $6.8 $3.5 $9.7  Ψ ϲ͘ϭ  Ψ ϲ͘ϯ $6.4  Ψ ϲ͘ϯ $4.7 $4.5 $1.5 $1.3  Ψ ϭ͘ϱ  Ψ ϭ͘ϲ $1.4  Ψ ϭϮ͘ϲ $11.5 $13.4 $13.9 $14.1 1Q24 2Q24 3Q24 4Q24 1Q25 Service Charges Mortgage Brokerage / Wealth Mgmt Loan Sale Gains Other Ψ ϯϲ͘ϲ Ψ ϯϱ͘ϯ Linked Quarter On an operating basis, noninterest income decreased $4.8 million from 4Q24 Service charges decreased $1.1 million, primarily due to seasonally lower interchange and overdraft fees Mortgage fees decreased, primarily due to the absence of a significant MSR mark, which was $3.5 million in 4Q24 Sold $21.9 million of SBA loans, resulting in $1.4 million of loan sale gains in the quarter Year - over - Year On an operating basis, noninterest income decreased $1.5 million from 1Q24 Mortgage fees decreased, primarily due to the absence of a significant MSR mark, which was $1.5 million in 1Q24 Brokerage fees decreased $1.8 million, primarily due to the impact of the FinTrust sale Other income increased $1.5 million, primarily due to an increase in customer swap income Ψ ϯϳ͘Ϯ $40.5 11 Noninterest Income - Operating (1) See non - GAAP reconciliation table slides in the exhibits to this presentation for a reconciliation of operating performance meas ures to GAAP performance Ψ ϯϱ͘ϳ LQPLOOLRQV (1)    EB0 CB1 EB2 EB3 AK4

$145.0 $147.0 $143.1  Ψ ϭϰϯ͘ϭ  Ψ ϭϰϭ͘ϭ  Ψ ϭϰϬ͘ϰ $140.6 $140.9 $140.9 $139.8 1Q24 2Q24 3Q24 4Q24 1Q25 GAAP Operating Noninterest Expense  4  RSHUDWLQJHIILFLHQF\UDWLRRI  GRZQ  EDVLV SRLQWV\HDU  RYHU  \HDU &RPSHQVDWLRQH[SHQVHLPSURYHGERWKTXDUWHU  RYHU  TXDUWHUDQG\HDU  RYHU  \HDU +HDGFRXQWRI  GRZQ  IURP  4  2SHUDWLQJHIILFLHQF\UDWLRKDVEHHQFRQVLVWHQWO\EHORZWKH .5;3HHU0HGLDQ ĨĨŝĐŝĞŶĐLJZĂƚŝŽ EŽŶŝŶƚĞƌĞƐƚdžƉĞŶƐĞ 60.5% 59.7% 65.5% 56.1% 56.7% ϱϵ͘Ϯ й ϱϳ͘ϭ й ϱϳ͘ϰ й 55.2% 56.2% 58.1% 1Q24 2Q24 3Q24 4Q24 1Q25 GAAP Operating KRX Peer Median GAAP noninterest expense improved $2.0 million compared to the prior quarter, and operating noninterest expense improved $1.1 million compared to the prior quarter GAAP noninterest expense improved $3.9 million year - over - year, mostly due to the absence of a FDIC special assessment Operating noninterest expense improved $0.6 million year - over - year 12  6HHQRQ  *$$3UHFRQFLOLDWLRQWDEOHVOLGHVLQWKHH[KLELWVWRWKLVSUHVHQWDWLRQIRUDUHFRQFLOLDWLRQRIRSHUDWLQJSHUIRUPDQFHPHDV XUHVWR*$$3 SHUIRUPDQFH    LQPLOOLRQV (1) EB0 EB1 EB2

1Q25 net charge - offs of $9.6 million, or 0.21% of loans annualized Nonperforming assets improved $22.3 million during the quarter and were 0.51% of total loans, down 13 bps from 4Q24, due to a variety of successful resolutions, the largest of which was the $8 million sale of a Senior Care property Past due loans increased $7.8 million during the quarter and were 0.21% of total loans, an increase of 4 bps from 4Q24 Higher risk loans, defined as special mention plus substandard accruing, improved 0.1% from 4Q24 to 3.1% &UHGLW4XDOLW\ Net Charge - Offs as % of Average Loans Nonperforming Assets & Past Due Loans as a % of Total Loans Ϭ͘Ϯϴ й 0.51% Ϭ͘ϱϴ й 0.64% 0.64% Ϭ͘ϲϰ й 0.51% 0.06% Ϭ͘ϭϴ й 0.29% Ϭ͘Ϯϴ й 0.26% 0.19% Ϭ͘ϭϳ й 0.21% 2021 2022 2023 1Q24 2Q24 3Q24 4Q24 1Q25 NPAs (%) Past Dues (%) 2.6% ϭ͘ϲ й 1.1% ϭ͘ϲ й 1.3% 1.3% ϭ͘ϰ й 1.2% 1.4% ϭ͘ϯ й 1.6% ϭ͘ϯ й 1.5% 1.7% ϭ͘ϴ й 1.9% 2021 2022 2023 1Q24 2Q24 3Q24 4Q24 1Q25 Special Mention (%) Substandard Accruing (%) Special Mention & Substandard Accruing Loans as a % of Total Loans  0.00% Ϭ͘Ϭϳ й 0.30% 0.28% Ϭ͘Ϯϲ й 0.52% 0.21% Ϭ͘Ϯϭ й - 0.03% Ϭ͘Ϭϰ й 0.20% 0.16% Ϭ͘ϭϱ й 0.45% 0.08% Ϭ͘ϭϭ й 2021 2022 2023 1Q24 2Q24 3Q24 4Q24 1Q25 United United Excl. Navitas 0.28%

Allowance for Credit Losses Allowance for Credit Losses (ACL) Walk - Forward Allowance for Credit Losses (ACL) Note: ACL includes the reserve for unfunded commitments 3URYLVLRQRI  PLOOLRQXSIURP  PLOOLRQLQ  4  GXHWRKLJKHUPRGHO UHVHUYHGULYHQE\HFRQRPLFIRUHFDVWZLWK KLJKHUXQHPSOR\PHQW $OORZDQFHFRYHUDJHLQFUHDVHGWR   1HWFKDUJH  RIIVRI  PLOOLRQIODWWR  4  DVLPSURYHG1DYLWDVFKDUJH  RIIV ZHUHRIIVHWE\VOLJKWO\KLJKHUEDQN FKDUJH  RIIV +LJKHUPRGHOUHVHUYHSDUWLDOO\RIIVHWE\ ORZHUKXUULFDQH  UHODWHGVSHFLDOUHVHUYH +XUULFDQH  UHODWHGVSHFLDOUHVHUYH UHGXFHGE\  PLOOLRQWR  PLOOLRQ :HEHOLHYHWKH  PLOOLRQUHVHUYH VXIILFLHQWO\FRYHUVFUHGLWVRISRWHQWLDO FRQFHUQDQGDFWLYHGHIHUUDOV Ψ ϮϮϰ $225 Ψ Ϯϭϲ $217 $223 1.22% 1.23% ϭ͘ϮϬ й ϭ͘ϮϬ й 1.21% 0.65% 0.75% 0.85% 0.95% 1.05% 1.15% 1.25% 1.35% 1.45% 1.55% $30 $50 $70 $90 $110 $130 $150 $170 $190 $210 1Q24 2Q24 3Q24 4Q24 1Q25 ACL - Allowance for Credit Losses $ ACL - Allowance for Credit Losses / Loans % Ψ Ϯϭϳ͕ϯϴϵ $223,201 $ 4,706 $ 836 ($ 9,607 ) Ψ  ϰϲϱ Ψ  ϭϮ͕ϬϭϮ ($ 2,600 ) 4Q24 ACL Loan Growth/ Mix Changes Unfunded Commitments NCOs Specific Reserve Model Impact/ NCO Refill Hurricane Special Reserve 1Q25 ACL  $ in millions $ in thousands EB0 EB1 EB2

1 Q25 INVESTOR PRESENTATION Exhibits

Cultural Foundations of United Community  2XU6WRU\ Founded 75 years ago as Union County Bank, United Community has stayed true to its roots by prioritizing service. We continue to embrace our small - town, personal touch while offering a comprehensive range of personal and business banking services. 7HDP :HSOD\WRZLQWRJHWKHUDVDWHDP Truth We want to see things as they are, not as we want them to be Trust We trust in people Caring We treat our customers, and each other, the way that we would want to be treated Best Bank to Work F or in 2024 for the 8 th consecutive year %HVW&RQVXPHU%DQNIRU&XVWRPHU 6DWLVIDFWLRQLQWKH6RXWKHDVW5HJLRQ  RXWRIWKHODVW  \HDUVLQFOXGLQJ   LQ 3HRSOHDQG  LQ7UXVW LQ  %HVW%DQN IRUPLGGOH  PDUNHWDQG VPDOO  EXVLQHVVEDQNLQJ  IRU  \HDUV To be a Legendary Bank 2XU9LVLRQ Our Core Values Our Accolades Our Purpose To Build Communities EB0

Average Deposit Costs  1Q25 4Q24 3Q24 2Q24 ϭ Y Ϯϰ $ in billions; rates annualized Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance N/A $6.2 N/A $6.3 N/A $6.2 N/A $6.3 N/A $6.4 DDA 2.47% $6.1 2.65% $6.3 2.98% $5.8 3.01% $5.9 3.06% $6.1 NOW 3.05% $6.6 3.31% $6.5 3.57% $6.3 3.55% $6.1 3.46% $5.9 MMDA 0.23% $1.1 0.23% $1.1 0.24% $1.1 0.24% $1.2 0.24% $1.2 Savings 3.63% $3.4 3.90% $3.5 3.97% $3.5 4.05% $3.5 4.02% $3.6 Time 2.79% $17.3 3.00% $17.4 3.23% $16.8 3.24% $16.7 3.21% $16.8 Total Interest - Bearing 2.05% $23.5 2.20% $23.7 2.35% $23.0 2.35% $23.0 2.32% $23.2 Total Deposits

Navitas Portfolio Net Charge - Offs & Weighted Average FICO Scores Navitas represents 9% of total loans Navitas ACL / Loans of 2.76% Navitas 1Q25 NCOs of 1.20% annualized, or $5.0 million Of the $5.0 million of losses, $1.1 million came from the Long Haul Trucking segment as the book shrank to just $22 million Excluding Long Haul Trucking losses, Navitas losses were 0.95% of total Navitas loans, a 6 bps improvement from 4Q24 Navitas Performance Ψ ϭ͕ϰϰϳ $1,510 $1,534 Ψ ϭ͕ϱϰϯ $1,544 $1,581 $1,603 $1,663 Ψ ϭ͕ϳϮϮ 8.99% 9.12% ϵ͘Ϯϱ й 9.30% 9.43% 9.58% 9.64% ϵ͘ϲϴ й 9.70% 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 Navitas Loans $ Portfolio Yield % 18 Ϭ͘ϴϱ й 0.32% 0.32% 0.93% 0.69% ϭ͘ϲϮ й 2.05% 1.66% ϭ͘ϰϮ й 1.34% 1.43% 1.20% 748 ϳϱϬ 751 752 ϳϱϰ 755 756 757 758 ϳϱϵ 760 761 2020 2021 2022 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 NCOs % - Navitas Weighted Average FICO - Total Portfolio LQPLOOLRQV Navitas Portfolio Concentrations by State 11% 11% 10%   5% 58% CA TX FL NY NJ Other States

Rate locks were $330 million compared to $285 million in 4Q24, driven primarily by benefit from lower mortgage rates and seasonal momentum 79% of locked loans were fixed - rate mortgages, which were either sold in 1Q25 or are contemplated to be sold once closed Sold $141 million in 1Q25, down $22 million from $163 million sold in 4Q24 Gain on sale lower in 1Q25 primarily due to product mix Mortgage Locks & Sales DŽƌƚŐĂŐĞ>ŽĐŬƐ Ͳ  WƵƌĐŚĂƐĞǀƐ͘ZĞĨŝŶĂŶĐĞ Mortgage Activity Trends $260 $295 Ψ ϯϬϲ $285 $330 $126 Ψ ϭϰϱ $172 $163 $141 Ϯ͘ϵ й 3.0% 2.8% 3.0% Ϯ͘ϵ й 1Q24 2Q24 3Q24 4Q24 1Q25 Mortgage Locks $ Loans Sold $ Gain on Sale % 80% 84% 79% ϳϴ й 80% 20% 16% Ϯϭ й 22% 20% 1Q24 2Q24 3Q24 4Q24 1Q25 Purchase Refinance 19 3XUFKDVHYROXPHUHPDLQHGWKHSULPDU\GULYHURIRULJLQDWLRQVDW  RIWKHWRWDO $ in millions

(1) Includes MSAs with a population greater than 1,000,000 (2) Includes MSAs with a population between 500,000 and 1,000,000 Footprint Focused on High - Growth Southeast MSAs 20 ϮϮ͘ϯ й 8.8% 5.1% 4.8% ϯ͘ϴ й 3.3% 2.7% 2.3% Ϯ͘Ϯ й 2.0% Atlanta, GA Greenville, SC EĂƐŚǀŝůůĞ͕dE Miami, FL Raleigh, NC Gainesville, GA <ŶŽdžǀŝůůĞ͕dE Orlando, FL Rome, GA Myrtle Beach, SC dŽƉ ϭϬ D^Ɛ Ͳ  йŽĨdŽƚĂůĞƉŽƐŝƚƐ UCBI's % of Total Deposits ’25 – ’30 Proj. Pop. Growth % ’25 – ’30 Proj. HHI. Growth % 1) Jacksonville, FL 0.68% 8.26 11.51 2) Raleigh, NC 3.80% 7.36 11.78 3) Orlando, FL 2.27% 7.10 11.04 4) Charlotte, NC 1.92% 6.55 10.29 5) Greenville, SC 8.83% 6.37 6.31 6) Tampa, FL 0.11% 5.66 12.13 7) Nashville, TN 5.12% 5.64 10.79 8) Richmond, VA -- 4.96 10.23 9) Atlanta, GA 22.26% 4.39 7.65 10) Miami, FL 4.77% 3.58 11.99 11) Washington, DC -- 2.45 8.11 12) Virginia Beach, VA -- 1.92 8.81 Fastest Growing Major Southeast MSAs (1) UCBI MSA Presence UCBI's % of Total Deposits ’25 – ’30 Proj. Pop. Growth % ’25 – ’30 Proj. HHI. Growth % 1) Winter Haven, FL -- 9.40 6.20 2) Huntsville, AL 1.43% 9.34 10.21 3) Fayetteville, AR -- 8.80 9.16 4) Port St. Lucie, FL 0.15% 8.78 9.16 5) Sarasota, Fl 0.15% 8.47 10.21 6) Charleston, SC 1.07% 7.37 10.12 7) Daytona Beach, FL -- 7.09 13.08 8) Melbourne, FL 0.16% 6.53 12.76 9) Pensacola, FL -- 6.40 11.34 10) Knoxville, TN 2.72% 5.89 10.74 11) Fort Myers, FL -- 5.05 9.86 12) Columbia, SC 0.22% 4.62 7.66 13) Chattanooga, TN 0.18% 4.52 10.74 14) Durham, NC -- 4.31 10.70 15) Augusta, GA -- 3.94 7.25 Fastest Growing Mid-Sized Southeast MSAs (2)