United Community Banks Inc.

We took advantage of our strong capital position and repurchased 1.09 million shares of our common stock at an average price of $33.97 per share during the quarter.

SEC original ↗United Community Banks Inc. — Earnings release (8-K exhibit)EX-99Apr 21, 2026

(2) Net income less preferred stock dividends, divided by average common equity.

SEC original ↗United Community Banks Inc. — Earnings release (8-K exhibit)EX-99Apr 21, 2026

Note: See Glossary located at the end of this presentation for reference on certain acronyms (1) 1Q26 regulatory capital ratio is preliminary 3 UCBI Banking Offices Regional Full-Service Branch Network National Navitas and SBA Markets Company Overview $24.0 BILLION IN TOTAL DEPOSITS $3.4 BILLION IN AUM 13.4% CET1 RBC(1) $19.6 BILLION IN TOTAL LOANS $0.25 QUARTERLY COMMON DIVIDEND 200 BANKING OFFICES ACROSS THE SOUTHEAST MOST AWARDED BANK in the Southeast region for retail banking customer satisfaction - J.

SEC original ↗United Community Banks Inc. — Presentation / slide deck (8-K exhibit)EX-99Apr 21, 2026

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.

SEC original ↗United Community Banks Inc. — 10-Q Quarterly report10-QAug 5, 2026

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.

SEC original ↗United Community Banks Inc. — 10-Q Quarterly report10-QAug 5, 2026

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.

SEC original ↗United Community Banks Inc. — 10-Q Quarterly report10-QAug 5, 2026

This shift in earning asset composition and our strategic focus on deposit pricing helped to widen our net interest margin by three basis points in the first quarter.

SEC original ↗United Community Banks Inc. — Earnings release (8-K exhibit)EX-99Apr 21, 2026

Congratulations to our entire team for this great recognition of your focus on customer care.

SEC original ↗United Community Banks Inc. — Earnings release (8-K exhibit)EX-99Apr 21, 2026

com 1Q26 INVESTOR PRESENTATION Exhibits Cultural Foundations of United Community 15 Our Story Founded 76 years ago as Union County Bank, United Community has stayed true to its roots by prioritizing service.

SEC original ↗United Community Banks Inc. — Presentation / slide deck (8-K exhibit)EX-99Apr 21, 2026

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.

SEC original ↗United Community Banks Inc. — 10-Q Quarterly report10-QAug 5, 2026

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.

SEC original ↗United Community Banks Inc. — 10-Q Quarterly report10-QAug 5, 2026

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.

SEC original ↗United Community Banks Inc. — Earnings release (8-K exhibit)EX-99Apr 21, 2026

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.

SEC original ↗United Community Banks Inc. — Earnings release (8-K exhibit)EX-99Apr 21, 2026

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.

SEC original ↗United Community Banks Inc. — Earnings release (8-K exhibit)EX-99Apr 21, 2026

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.

SEC original ↗United Community Banks Inc. — 10-Q Quarterly report10-QAug 5, 2026

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.

SEC original ↗United Community Banks Inc. — 10-Q Quarterly report10-QAug 5, 2026