UCB / United Community Banks, Inc. - Pemfailan SEC, Laporan Tahunan, Penyata Proksi

United Community Banks, Inc.
US ˙ NYSE ˙ US90984P3038

Statistik Asas
LEI 549300GVW0FV66X3U703
CIK 857855
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to United Community Banks, Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan senarai kronologi lengkap bagi Pemfailan SEC, tidak termasuk pemfailan pemilikan yang kami sediakan di tempat lain.
August 15, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 15, 2025 UNITED COMMUNITY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 15, 2025 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commis

August 15, 2025 EX-99.1

UNITED COMMUNITY BANKS, INC. ANNOUNCES REDEMPTION OF ALL OUSTANDING SHARES OF 6.875% SERIES I NON-CUMULATIVE PERPETUAL PREFERRED STOCK

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] UNITED COMMUNITY BANKS, INC. ANNOUNCES REDEMPTION OF ALL OUSTANDING SHARES OF 6.875% SERIES I NON-CUMULATIVE PERPETUAL PREFERRED STOCK GREENVILLE, SC, August 15, 2025 – United Community Banks, Inc. (NYSE: UCB) (“United”, the “Company”), is redeeming all ou

August 8, 2025 10-Q

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, 2025 ☐ TRANSITION REPORT PURSUANT TO S

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, 2025 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

July 23, 2025 EX-99.2

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July 23, 2025 EX-99.1

United Community Banks, Inc. Reports Second Quarter Earnings Margin Expansion, Stable Credit Quality, and Disciplined Expense Control Drive Results

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Second Quarter Earnings Margin Expansion, Stable Credit Quality, and Disciplined Expense Control Drive Results GREENVILLE, SC – July 23, 2025 – United Community Banks, Inc. (NYSE: UCB) (United) today announced net incom

July 23, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 23, 2025 UNITED COMMUNITY BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 23, 2025 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissi

May 15, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 14, 2025 UNITED COMMUNITY BAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 14, 2025 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissio

May 9, 2025 10-Q

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 March 31, 2025 ☐ TRANSITION REPORT PURSUANT TO

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 March 31, 2025 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 BANK

May 1, 2025 EX-99.1

UNITED COMMUNITY BANKS, INC. ANNOUNCES COMPLETION OF MERGER WITH ANB HOLDINGS, INC., THE PARENT OF AMERICAN NATIONAL BANK

For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 JeffersonHarralson@ucbi.

May 1, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 1, 2025 UNITED COMMUNITY BANK

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 1, 2025 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commission

April 22, 2025 EX-99.1

United Community Banks, Inc. Reports First Quarter Earnings Growth, Margin Expansion, and Disciplined Expense Control Drive Results

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

April 22, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 22, 2025 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commiss

April 22, 2025 EX-99.2

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

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 usuall

April 2, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.      )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.      ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for use of the Commission only (as permitted by Rule 14A-6(E)(2)) ¨

April 2, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for use of the Commission only (as permitted by Rule 14A-6(E)(2)) ☒ Defin

March 20, 2025 425

Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • May 1, 2025: Legal close • July 14, 2025: Conversion *subject to regulatory approval United Together United’s Culture: Who We Are We were proud to h

anbunitednewsletter03202 Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • May 1, 2025: Legal close • July 14, 2025: Conversion *subject to regulatory approval United Together United’s Culture: Who We Are We were proud to host 200 United Community leaders last week at our annual Spring Leadership Conference in our Greenville, SC headquarters. The

March 7, 2025 425

Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • May 1, 2025: Legal close • July 14, 2025: Conversion *subject to regulatory approval Marketing & Communications: United Community was just awarded m

Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • May 1, 2025: Legal close • July 14, 2025: Conversion *subject to regulatory approval Marketing & Communications: United Community was just awarded multiple Coalition Greenwich Best Bank awards for delivering exceptional service and tailored financial solutions to its customers! Read more at https:

February 27, 2025 EX-21

Subsidiaries of United Community Banks, Inc.

EXHIBIT 21 Subsidiaries of United Community Banks, Inc. as of December 31, 2024. Subsidiary State of Organization United Community Bank South Carolina Navitas Credit Corp. Florida NLFC Reinsurance Corp. Tennessee UCB Investments, Inc. North Carolina UCB Funding Corp. Georgia United Community Development Corporation Georgia UCBI Georgia Credits, LLC Georgia United Community Payment Systems, LLC (50

February 27, 2025 EX-10.5

Form of Time-Based Restricted Stock Unit Award Agreement for Key Employees (for awards made to H. Lynn Harton and Richard W. Bradshaw)

Exhibit 10.5 UNITED COMMUNITY BANKS, INC. 2022 OMNIBUS EQUITY PLAN RESTRICTED STOCK UNIT AWARD AGREEMENT (Key Employee with Retirement) Grantee: Number of RSUs: Date of Grant: Vesting Schedule: Vesting Date Vest Quantity THIS AGREEMENT (the “Agreement”) is entered into as of the day of , , by and between UNITED COMMUNITY BANKS, INC., a Georgia corporation (the “Company”), and the individual design

February 27, 2025 EX-10.3

Form of Performance-Based Restricted Stock Unit Award for Key Employees

Exhibit 10.3 UNITED COMMUNITY BANKS, INC. 2022 OMNIBUS EQUITY PLAN PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Key Employee) Grantee: Target Number of Performance-Based Restricted Stock Units Granted: Target PSUs, subject to increase based on level of achievement of performance criteria in accordance with this Agreement Date of Grant: Vesting Date for Performance-Based Restricted Stoc

February 27, 2025 EX-4.1

Description of Registrant’s

Exhibit 4.1 Description of the Company’s Common Stock Registered Under Section 12 of the Securities Exchange Act of 1934 The following summary of the common stock (par value $1.00 per share) of United Community Banks, Inc. (“United”) is based on and qualified by United’s Articles of Incorporation (the “Articles of Incorporation”) and Bylaws (the “Bylaws”). For a complete description of the terms a

February 27, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2024 ☐ 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.

February 27, 2025 EX-19

Insider trading policies and procedures

Exhibit 19 United Community Banks, Inc. Document Title Insider Trading Policy Version No. 1 Effective Date February 2022 Date of Last Revision January 2023 Policy Owner(s) General Counsel Reviewing Committee Risk Management Committee Approving Body Board Risk Committee Table of Contents 1. Policy Statement and Scope 1 2. Governance, Roles, and Responsibilities 2 3. Policy Requirements 2 a. Transac

February 21, 2025 425

Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • May 1, 2025: Legal close • July 14, 2025: Conversion *subject to regulatory approval Please note that our legal close date has been updated! At this

Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • May 1, 2025: Legal close • July 14, 2025: Conversion *subject to regulatory approval Please note that our legal close date has been updated! At this time, the updated date will not affect our projected conversion date, which is still scheduled for July. A customer communication plan is in the fina

February 11, 2025 EX-10.1

Employment Agreement between Richard W. Bradshaw and United Community Banks, Inc., dated as of February 10, 2025.

Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into as of [, 2025], by and between United Community Banks, Inc., a Georgia corporation (the “Company”), and Richard W. Bradshaw (“Executive”). WHEREAS, the Company has determined that it is the best interest of the Company and its affiliates, including the United Community Bank, a South Carolina sta

February 11, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 10, 2025 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Comm

February 7, 2025 424B3

MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT

424B3 1 tm253203-7424b3.htm 424B3 TABLE OF CONTENTS  Filed Pursuant to Rule 424(b)(3)  Registration No. 333-284483  Explanatory Note:  This filing is being made to correct an inadvertent error on page 14 of the proxy statement/prospectus that was filed on February 6, 2025 regarding the number of shares of United common stock outstanding as of January 31, 2025. No other changes have been made to th

February 6, 2025 425

Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • Q2: Legal close • July 14, 2025: Conversion *subject to regulatory approval A special inbox has been set up for our ANB team members for questions o

Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • Q2: Legal close • July 14, 2025: Conversion *subject to regulatory approval A special inbox has been set up for our ANB team members for questions or information: [email protected] Introducing United Community Wealth: United Community is proud to launch United Community Wealth! Unit

February 6, 2025 424B3

MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT

TABLE OF CONTENTS    Filed Pursuant to Rule 424(b)(3)  Registration No. 333-284483 MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT To the Shareholders of ANB Holdings, Inc.: On December 2, 2024, United Community Banks, Inc., which we refer to as United, and ANB Holdings, Inc., which we refer to as ANB Holdings, entered into an Agreement and Plan of Merger, which we refer to as the merger agreement,

February 4, 2025 CORRESP

[Signature Page Follows]

February 4, 2025 VIA EDGAR U.S. Securities and Exchange Commission Division of Corporation Finance 100 F Street, NE Washington, D.C. 20549 Attention: Aisha Adegbuyi Re: United Community Banks, Inc. Registration Statement on Form S-4 File No. 333-284483 Request for Effectiveness Dear Ms. Adegbuyi: Reference is made to the Registration Statement on Form S-4 (File No. 333-284483) filed by United Comm

February 4, 2025 EX-99.1

Consent of Hovde Group, LLC

Exhibit 99.1 CONSENT OF HOVDE GROUP, LLC We hereby consent to the inclusion of our opinion letter, dated December 2, 2024, to the Board of Directors of ANB Holdings, as Annex C to the proxy statement/prospectus which forms a part of the Registration Statement on Form S-4 of United Community Banks, Inc., and to the references to our name and to the description of such opinion in the proxy statement

February 4, 2025 EX-99.2

Form of Proxy Card for Special Meeting of ANB Holdings, Inc.

Exhibit 99.2 ANB HOLDINGS, INC. PROXY FOR SPECIAL MEETING OF SHAREHOLDERS THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS The undersigned shareholder(s) of ANB Holdings, Inc., a Florida corporation (the “Company”), hereby revoke(s) any Proxy heretofore given and hereby appoint(s) Timothy C. Ingham and Ginger Martin, and each of them, with full power to act alone, the true and lawful at

February 4, 2025 S-4/A

As filed with the Securities and Exchange Commission on February 4, 2025

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on February 4, 2025 Registration No.

January 24, 2025 S-4

As filed with the Securities and Exchange Commission on January 24, 2025

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on January 24, 2025 Registration No.

January 24, 2025 EX-FILING FEES

Filing Fee Table.

Calculation of Filing Fee Tables S-4 UNITED COMMUNITY BANKS INC Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Initial Effective Date Filing Fee Previously Paid in Connection with Unsold Securities to be Carried Forward Newly Registered Securities Fees to be Paid 1 Equity Common Stock, par value $1.

January 24, 2025 425

Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • Q2: Legal close • July 14, 2025: Conversion *subject to regulatory approval A special inbox has been set up for our ANB team members for questions o

425 1 ucbanbnewsletter012425.htm 425 Member FDIC. © 2025 United Community Bank | ucbi.com Merger News: Key transaction milestone dates*: • Q2: Legal close • July 14, 2025: Conversion *subject to regulatory approval A special inbox has been set up for our ANB team members for questions or information: [email protected] FAQs: The FAQs starting on page 3 of this document are to help yo

January 24, 2025 EX-99.1

Consent of Hovde Group, LLC

Exhibit 99.1 CONSENT OF HOVDE GROUP, LLC We hereby consent to the inclusion of our opinion letter, dated December 2, 2024, to the Board of Directors of ANB Holdings, as Annex C to the proxy statement/prospectus which forms a part of the Registration Statement on Form S-4 of United Community Banks, Inc., and to the references to our name and to the description of such opinion in the proxy statement

January 22, 2025 EX-99.1

United Community Banks, Inc. Reports Fourth Quarter and Full Year Results

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Fourth Quarter and Full Year Results GREENVILLE, SC – January 22, 2025 - United Community Banks, Inc. (NYSE: UCB) (United) today announced net income for the fourth quarter of 2024 of $75.8 million and pre-tax, pre-prov

January 22, 2025 EX-99.2

‹   8QLWHG&RPPXQLW\%DQN_ XFELFRP 4Q24 Investor Presentation January 22, 2025

Exhibit 99.2 ‹   8QLWHG&RPPXQLW\%DQN XFELFRP 4Q24 Investor Presentation January 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 usual

January 22, 2025 425

UNITED COMMUNITY BANKS, INC. Moderator: Lynn Harton January 22, 2025 9:00 a.m. EDT

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: ANB Holdings, Inc. Commission File No.: 001-35095 Date: January 22, 2025 Set forth below is a transcript of United Community Banks, Inc.’s quarterly earnings conference call held on Ja

January 22, 2025 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 22, 2025 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

January 10, 2025 425

This summary offers a quick overview of the key benefits available to you by United Community, designed to support your health, financial well-being, and overall quality of life.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: ANB Holdings, Inc. Commission File No.: 001-35095 Date: January 10, 2025 Set forth below is an internal newsletter to employees of ANB Holdings, Inc. regarding the proposed merger of A

December 19, 2024 425

Set forth below is an internal newsletter to employees of ANB Holdings, Inc. regarding the proposed merger of ANB Holdings, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: ANB Holdings, Inc. Commission File No.: 001-35095 Date: December 19, 2024 Set forth below is an internal newsletter to employees of ANB Holdings, Inc. regarding the proposed merger of

December 12, 2024 425

Set forth below is an internal newsletter to employees of ANB Holdings, Inc. regarding the proposed merger of ANB Holdings, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: ANB Holdings, Inc. Commission File No.: 001-35095 Date: December 12, 2024 Set forth below is an internal newsletter to employees of ANB Holdings, Inc. regarding the proposed merger of

December 3, 2024 EX-99.1

UNITED COMMUNITY BANKS, INC. AND ANB HOLDINGS, INC., THE PARENT OF AMERICAN NATIONAL BANK, ANNOUNCE MERGER AGREEMENT

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] UNITED COMMUNITY BANKS, INC. AND ANB HOLDINGS, INC., THE PARENT OF AMERICAN NATIONAL BANK, ANNOUNCE MERGER AGREEMENT GREENVILLE, SC – December 3, 2024 – United Community Banks, Inc. (NYSE: UCB) (“United”) and ANB Holdings, Inc. (“ANB”) announced today the

December 3, 2024 EX-99.1

UNITED COMMUNITY BANKS, INC. AND ANB HOLDINGS, INC., THE PARENT OF AMERICAN NATIONAL BANK, ANNOUNCE MERGER AGREEMENT

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] UNITED COMMUNITY BANKS, INC. AND ANB HOLDINGS, INC., THE PARENT OF AMERICAN NATIONAL BANK, ANNOUNCE MERGER AGREEMENT GREENVILLE, SC – December 3, 2024 – United Community Banks, Inc. (NYSE: UCB) (“United”) and ANB Holdings, Inc. (“ANB”) announced today the

December 3, 2024 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 3, 2024 UNITED COMMUNITY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 3, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

December 3, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 3, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

November 8, 2024 10-Q

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 September 30, 2024 ☐ TRANSITION REPORT PURSUANT

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 September 30, 2024 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

October 23, 2024 EX-99.1

EX-99.1

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October 23, 2024 EX-99.2

Member FDIC. © 2024 United Community Bank | ucbi.com 3Q24 Investor Presentation October 23, 2024

Exhibit 99.2 Member FDIC. © 2024 United Community Bank | ucbi.com 3Q24 Investor Presentation October 23, 2024 Disclosures 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 statemen

October 23, 2024 EX-99.2

EX-99.2

Member FDIC. © 2024 United Community Bank | ucbi.com 3Q24 Investor Presentation October 23, 2024Disclosures 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In general, forward-looking statements usually may be ident

October 23, 2024 EX-99.1

United Community Banks, Inc. Reports Third Quarter Results Strong Customer Deposit Growth Drives Third Quarter Results

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Third Quarter Results Strong Customer Deposit Growth Drives Third Quarter Results GREENVILLE, SC – October 23, 2024 - United Community Banks, Inc. (NYSE: UCB) (United) today announced net income for the 2024 third quart

October 23, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 23, 2024 UNITED COMMUNITY

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 23, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

October 18, 2024 SC 13G/A

UCB / United Community Banks, Inc. / STATE STREET CORP Passive Investment

SC 13G/A 1 UnitedCommBanksInc.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* UNITED COMMUNITY BANKS INC/GA (Name of Issuer) COMMON STOCK (Title of Class of Securities) 90984P303 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of This Statement) Check the appropriate box to designate the r

September 4, 2024 EX-99.1

United Community Banks, Inc. Names Industry Veteran Sally Pope Davis to Board of Directors

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Joy Marshall [email protected] (864) 241-8738 United Community Banks, Inc. Names Industry Veteran Sally Pope Davis to Board of Directors GREENVILLE, S.C. – Sept. 4, 2024 – United Community Banks, Inc. is pleased to announce the addition of Sally Pope Davis to its Board of Directors. Davis recently retired as a managing director after a 35-year career

September 4, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 4, 2024 UNITED COMMUNIT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 4, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Comm

September 3, 2024 EX-99.1

UNITED COMMUNITY BANKS, INC. AND 21ST MORTGAGE CORPORATION CLOSE SALE OF MANUFACTURED HOUSING LOAN PORTFOLIO

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] UNITED COMMUNITY BANKS, INC. AND 21ST MORTGAGE CORPORATION CLOSE SALE OF MANUFACTURED HOUSING LOAN PORTFOLIO GREENVILLE, SC, September 3, 2024 – United Community Banks, Inc. (NYSE: UCB) (“United”) announced today the August 30th closing of the sale of subs

September 3, 2024 EX-99.2

Member FDIC. © 2024 United Community Bank | ucbi.com 3Q24 Financial Update – Manufactured Housing Loan Portfolio Sale September 3, 2024

Exhibit 99.2 Member FDIC. © 2024 United Community Bank | ucbi.com 3Q24 Financial Update – Manufactured Housing Loan Portfolio Sale September 3, 2024 Disclosures 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 .

September 3, 2024 EX-99.1

EX-99.1

For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 JeffersonHarralson@ucbi.

September 3, 2024 EX-99.2

EX-99.2

Member FDIC. © 2024 United Community Bank | ucbi.com 3Q24 Financial Update – Manufactured Housing Loan Portfolio Sale September 3, 2024Disclosures 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In general, forward-

September 3, 2024 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 3, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Comm

August 9, 2024 10-Q

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, 2024 ☐ TRANSITION REPORT PURSUANT TO S

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, 2024 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

August 5, 2024 25

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 25 NOTIFICATION OF REMOVAL FROM LISTING AND/OR REGISTRATION UNDER SECTION 12(b) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number: 001-35095 UNITED COMMUNITY BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 25 NOTIFICATION OF REMOVAL FROM LISTING AND/OR REGISTRATION UNDER SECTION 12(b) OF THE SECURITIES EXCHANGE ACT OF 1934. Commission File Number: 001-35095 UNITED COMMUNITY BANKS, INC. NASDAQ Global Select Market (Exact name of Issuer as specified in its charter, and name of Exchange where security is listed and/or register

July 26, 2024 EX-99.1

UNITED COMMUNITY BANKS, INC. ANNOUNCES TRANSFER OF LISTING OF COMMON STOCK AND DEPOSITARY SHARES TO NYSE

For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 JeffersonHarralson@ucbi.

July 26, 2024 8-K

Regulation FD Disclosure, Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 26, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissi

July 26, 2024 8-A12B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) or (g) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED COMMUNITY BANKS, INC. (Exact name of reg

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) or (g) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 58-1807304 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification

July 24, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2024 UNITED COMMUNITY BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissi

July 24, 2024 EX-99.1

United Community Banks, Inc. Reports Second Quarter Results Strong Margin Expansion Drives Growth in Net Income

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Second Quarter Results Strong Margin Expansion Drives Growth in Net Income GREENVILLE, SC – July 24, 2024 - United Community Banks, Inc. (NASDAQ: UCBI) (United) today announced that net income for the 2024 second quarte

July 24, 2024 EX-99.2

EX-99.2

Member FDIC. © 2024 United Community Bank | u ucbi.com 2Q24 Investor Presentation July 24, 2024Disclosures 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In general, forward-looking statements usually may be identi

July 24, 2024 EX-99.1

EX-99.1

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July 24, 2024 EX-99.2

Slide presentation to be used during July 24, 2024 earnings call.

Exhibit 99.2

May 16, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 15, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissio

May 9, 2024 10-Q

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 March 31, 2024 ☐ TRANSITION REPORT PURSUANT TO

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 March 31, 2024 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 BANK

April 24, 2024 EX-99.2

Member FDIC. © 2024 United Community Bank | ucbi.com 1Q24 Investor Presentation April 24, 2024

Exhibit 99.2 Member FDIC. © 2024 United Community Bank | ucbi.com 1Q24 Investor Presentation April 24, 2024 Disclosures 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

April 24, 2024 EX-99.1

EX-99.1

For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 JeffersonHarralson@ucbi.

April 24, 2024 EX-99.2

EX-99.2

Member FDIC. © 2024 United Community Bank | ucbi.com 1Q24 Investor Presentation April 24, 2024Disclosures 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In general, forward-looking statements usually may be identif

April 24, 2024 EX-99.1

United Community Banks, Inc. Reports First Quarter Results

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 Results GREENVILLE, SC – April 24, 2024 - United Community Banks, Inc. (NASDAQ: UCBI) (United) today announced that net income for the first quarter was $62.6 million and pre-tax, pre-provision income was

April 24, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 24, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commiss

April 2, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for use of the Commission only (as permitted by Rule 14

April 2, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.      )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.      ) Filed by the Registrant x Filed by a Party other than the Registrant ¨ Check the appropriate box: ¨ Preliminary Proxy Statement ¨ Confidential, for use of the Commission only (as permitted by Rule 14A-6(E)(2)) ¨

February 23, 2024 EX-10.3

Form of Performance-Based Restricted Stock Unit Award for Key Employees (for awards granted after 2022).

Exhibit 10.3 UNITED COMMUNITY BANKS, INC. 2022 OMNIBUS EQUITY PLAN PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Key Employee) Grantee: Target Number of Performance-Based Restricted Stock Units Granted: Target PSUs, subject to increase based on level of achievement of performance criteria in accordance with this Agreement Date of Grant: Vesting Schedule for Performance-Based Restricted

February 23, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2023 ☐ 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.

February 23, 2024 EX-10.4

Form of Time-Based Restricted Stock Unit Award Agreement for Key Employees (for awards made to Key Employees other than H. Lynn Harton and Richard W. Bradshaw) (incorporated herein by reference to Exhibit 10.4 to United Community Banks, Inc.’s Annual Report on Form 10-K, File No. 001-35095, filed with the SEC on February 23, 2024)

Exhibit 10.4 UNITED COMMUNITY BANKS, INC. 2022 OMNIBUS EQUITY PLAN RESTRICTED STOCK UNIT AWARD AGREEMENT (Key Employee) Grantee: Number of RSUs: RSUs Date of Grant: Vesting Schedule: Vesting Date Vest Quantity THIS AGREEMENT (the “Agreement”) is entered into as of the day of , , by and between UNITED COMMUNITY BANKS, INC., a Georgia corporation (the “Company”), and the individual designated above

February 23, 2024 EX-21

Subsidiaries of United Community Banks, Inc. (incorporated by reference to Exhibit 21 to United Community Banks, Inc.’s Annual Report on Form 10-K for the year ended December 31, 2023, filed with the SEC on February 23, 2021).

EXHIBIT 21 Subsidiaries of United Community Banks, Inc. as of December 31, 2023. Subsidiary State of Organization United Community Bank South Carolina Navitas Credit Corp. Florida NLFC Reinsurance Corp. Tennessee UCB Investments, Inc. North Carolina UCB Funding Corp. Georgia United Community Development Corporation Georgia UCBI Georgia Credits LLC Georgia United Community Payment Systems, LLC (50%

February 23, 2024 EX-97

Policy Relating to Recovery of Erroneously Awarded Compensation

Exhibit 97 United Community Banks, Inc. Document Title Compensation Recovery Policy Version No. 1 Effective Date August 1, 2023 Date of Last Revision N/A Approving Body Board Talent and Compensation Committee 1.Effective Date. This United Community Banks, Inc. Compensation Recovery Policy (this “Policy”) has been adopted by United Community Banks, Inc. (the “Company”) effective as of August 1, 202

February 13, 2024 SC 13G/A

UCBI / United Community Banks, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv02154-unitedcommunitybanks.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 8)* Name of issuer: United Community Banks Inc/GA Title of Class of Securities: Common Stock CUSIP Number: 90984P303 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate

January 24, 2024 EX-99.2

Member FDIC. © 2024 United Community Bank | ucbi.com 4Q23 Investor Presentation January 24, 2024

Exhibit 99.2 Member FDIC. © 2024 United Community Bank | ucbi.com 4Q23 Investor Presentation January 24, 2024 Disclosures 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 statemen

January 24, 2024 EX-99.1

EX-99.1

For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 JeffersonHarralson@ucbi.

January 24, 2024 EX-99.1

United Community Banks, Inc. Reports Fourth Quarter Results

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Fourth Quarter Results GREENVILLE, SC – January 24, 2024 - United Community Banks, Inc. (NASDAQ: UCBI) (“United”) today announced net income for the fourth quarter of $14.1 million and pre-tax, pre-provision income of $

January 24, 2024 EX-99.2

EX-99.2

Member FDIC. © 2024 United Community Bank | ucbi.com 4Q23 Investor Presentation January 24, 2024Disclosures 2 CAUTIONARY STATEMENT This Investor Presentation contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In general, forward-looking statements usually may be ident

January 24, 2024 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 24, 2024 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

December 29, 2023 EX-99.1

Member FDIC. © 2023 United Community Bank | ucbi.com Significant 4Q23 Financial Updates December 29, 2023

Exhibit 99.1 Member FDIC. © 2023 United Community Bank | ucbi.com Significant 4Q23 Financial Updates December 29, 2023 Disclosures 2 CAUTIONARY STATEMENT This communication 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 stateme

December 29, 2023 EX-99.1

EX-99.1

Member FDIC. © 2023 United Community Bank | ucbi.com Significant 4Q23 Financial Updates December 29, 2023Disclosures 2 CAUTIONARY STATEMENT This communication 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 iden

December 29, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 29, 2023 UNITED COMMUNIT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 29, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Comm

December 4, 2023 EX-99.1

United Community Banks, Inc. Names John James to Board of Directors

FOR IMMEDIATE RELEASE Contact: Joy Marshall [email protected] (864) 241-8738 United Community Banks, Inc. Names John James to Board of Directors GREENVILLE, S.C. – Dec. 4, 2023 – United Community Banks, Inc. is pleased to announce the addition of industry veteran John James to its Board of Directors. James is an accomplished financial executive with more than 35 years of experience driving grow

December 4, 2023 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 1, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

November 9, 2023 8-K

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 9, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

November 3, 2023 10-Q

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 September 30, 2023 ☐ TRANSITION REPORT PURSUANT

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 September 30, 2023 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

November 3, 2023 10-Q

10-Q PDF

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October 31, 2023 EX-10.1

(incorporated herein by reference to Exhibit 10.1 to United Community Banks, Inc.’s

UNITED COMMUNITY BANKS, INC. EXECUTIVE ANNUAL INCENTIVE PLAN Section 1.Purpose This Incentive Plan (this “Plan”) is intended to provide an incentive for superior work and to motivate eligible employees of United Community Banks, Inc. (the “Company”) and its subsidiaries and affiliates toward even higher achievement and business results, to tie their goals and interests to those of the Company and

October 31, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 31, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

October 18, 2023 EX-99.1

EX-99.1

For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 JeffersonHarralson@ucbi.

October 18, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 18, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

October 18, 2023 EX-99.2

EX-99.2

Member FDIC. © 2023 United Community Bank | ucbi.com 3Q23 Investor Presentation October 18, 2023Disclosures 2 CAUTIONARY STATEMENT This communication 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 th

October 18, 2023 EX-99.2

Member FDIC. © 2023 United Community Bank | ucbi.com 3Q23 Investor Presentation October 18, 2023

Exhibit 99.2 Member FDIC. © 2023 United Community Bank | ucbi.com 3Q23 Investor Presentation October 18, 2023 Disclosures 2 CAUTIONARY STATEMENT This communication 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 usual

October 18, 2023 EX-99.1

United Community Banks, Inc. Reports Third Quarter Results Strengthened Customer Deposit Base with 5.6% Annualized Growth; Loan Growth of 5.4% Annualized

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Third Quarter Results Strengthened Customer Deposit Base with 5.6% Annualized Growth; Loan Growth of 5.4% Annualized GREENVILLE, SC – October 18, 2023 - United Community Banks, Inc. (NASDAQ: UCBI) (“United”) today annou

September 13, 2023 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 12, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Com

August 4, 2023 10-Q

10-Q

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August 4, 2023 10-Q

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, 2023 ☐ TRANSITION REPORT PURSUANT TO S

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, 2023 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

July 18, 2023 EX-99.1

EX-99.1

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July 18, 2023 EX-99.2

EX-99.2

Member FDIC. © 2023 United Community Bank | ucbi.com 2Q23 Investor Presentation July 18, 2023Disclosures 2 CAUTIONARY STATEMENT This communication 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 throu

July 18, 2023 EX-99.1

United Community Banks, Inc. Reports Second Quarter Results Maintained Strong Balance Sheet, Liquidity and Capital Levels; Annualized Loan Growth of 6.3%

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Second Quarter Results Maintained Strong Balance Sheet, Liquidity and Capital Levels; Annualized Loan Growth of 6.3% GREENVILLE, SC – July 18, 2023 - United Community Banks, Inc. (NASDAQ: UCBI) (“United”) today announce

July 18, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 18, 2023 UNITED COMMUNITY BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 18, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissi

July 18, 2023 EX-99.2

Member FDIC. © 2023 United Community Bank | ucbi.com 2 Q23 Investor Presentation July 18, 2023

Exhibit 99.2 Member FDIC. © 2023 United Community Bank | ucbi.com 2 Q23 Investor Presentation July 18, 2023 Disclosures 2 CAUTIONARY STATEMENT This communication 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

July 3, 2023 EX-99.1

UNITED COMMUNITY BANKS, INC. ANNOUNCES COMPLETION OF MERGER WITH FIRST MIAMI BANCORP, INC.

For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 JeffersonHarralson@ucbi.

July 3, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 1, 2023 UNITED COMMUNITY BAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 1, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissio

June 14, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 14, 2023 UNITED COMMUNITY BA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 14, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissi

May 30, 2023 EX-99

UNITED COMMUNITY BANKS, INC. RECEIVES REGULATORY APPROVALS FOR FIRST NATIONAL BANK OF SOUTH MIAMI MERGER

Exhibit 99 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 JeffersonHarralson@ucbi.

May 30, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 30, 2023 UNITED COMMUNITY BAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 30, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissio

May 26, 2023 425

Note: If you have additional questions regarding HR related items, please email us at [email protected]

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: May 26, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed m

May 18, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 17, 2023 UNITED COMMUNITY BAN

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 17, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissio

May 11, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: May 11, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed m

May 5, 2023 10-Q

10-Q

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May 5, 2023 10-Q

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 March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO

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 March 31, 2023 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 BANK

April 27, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: April 27, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed

April 24, 2023 424B3

MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT

TABLE OF CONTENTS   Filed Pursuant to Rule 424(b)(3)  Registration No. 333-271173 MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT To the Stockholders of First Miami Bancorp, Inc.: On February 13, 2023, United Community Banks, Inc., which we refer to as United, and First Miami Bancorp, Inc., which we refer to as First Miami, entered into an Agreement and Plan of Merger, which we refer to as the merge

April 20, 2023 EX-99.2

Form of Proxy Card for Annual Meeting of First Miami Bancorp, Inc.

Exhibit 99.2 PROXY FIRST MIAMI BANCORP, INC. This proxy is solicited on behalf of the Board of Directors of First Miami Bancorp, Inc. (the “Company”) for use at the Annual Meeting of Stockholders of the Company to be held at 1:30 p.m., Eastern Time, on May 30, 2023, at the First National Bank of South Miami, 5750 Sunset Drive, South Miami, Florida 33143 and at any postponements or adjournments the

April 20, 2023 425

UNITED COMMUNITY BANKS, INC. Moderator: Lynn Harton April 19, 2023 11:00 a.m. EDT

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: April 20, 2023 Set forth below is an extract of certain portions of the quarterly earnings conference call held by United

April 20, 2023 CORRESP

MELINDA DAVIS LUX

MELINDA DAVIS LUX EVP & General Counsel 2 W. Washington Street, Suite 700 | Greenville, SC 29601 (864) 241-8736 | [email protected] April 20, 2023 Via EDGAR Division of Corporation Finance U.S. Securities & Exchange Commission 100 F Street, NE Attention: Tonya K. Aldave Re: United Community Banks, Inc. Registration Statement on Form S-4 Filed April 6, 2023, as amended File No. 333-271173 Re

April 20, 2023 EX-99.1

Consent of D.A. Davidson & Co.

Exhibit 99.1 April 19, 2023 Consent of D.A. Davidson & Co.: We hereby consent to the inclusion of our opinion letter to the Board of Directors of First Miami Bancorp, Inc. (the "Seller") as an Appendix to the Joint Proxy Statement/Prospectus relating to the Seller’s proposed merger with United Community Banks, Inc. contained in the Registration Statement on Form S-4 as filed with the Securities an

April 20, 2023 S-4/A

As filed with the Securities and Exchange Commission on April 19, 2023

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on April 19, 2023 Registration No.

April 18, 2023 EX-99.1

EX-99.1

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April 18, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 18, 2023 UNITED COMMUNITY B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 18, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commiss

April 18, 2023 EX-99.1

United Community Banks, Inc. Reports First Quarter Results Customer Deposit Growth of 10%, Organic Loan Growth of 8%, Asset Quality and Capital Levels Remained Strong

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 Results Customer Deposit Growth of 10%, Organic Loan Growth of 8%, Asset Quality and Capital Levels Remained Strong GREENVILLE, SC – April 18, 2023 - United Community Banks, Inc. (NASDAQ: UCBI) (United) to

April 18, 2023 EX-99.2

Member FDIC. © 2023 United Community Bank | ucbi.com 1Q23 Investor Presentation April 18, 2023

Exhibit 99.2 Member FDIC. © 2023 United Community Bank | ucbi.com 1Q23 Investor Presentation April 18, 2023 Disclosures 2 CAUTIONARY STATEMENT This communication 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

April 18, 2023 EX-99.2

EX-99.2

Member FDIC. © 2023 United Community Bank | ucbi.com 1Q23 Investor Presentation April 18, 2023Disclosures 2 CAUTIONARY STATEMENT This communication 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 thro

April 13, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: April 13, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed

April 6, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: April 6, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed

April 6, 2023 EX-FILING FEES

Filing Fee Table.

Exhibit 107 Calculation of Filing Fee Tables Form S-4 (Form Type) UNITED COMMUNITY BANKS, INC.

April 6, 2023 S-4

Power of Attorney.

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on April 6, 2023 Registration No.

April 6, 2023 EX-99.1

Consent of D.A. Davidson & Co.

Exhibit 99.1 April 6, 2023 Consent of D.A. Davidson & Co.: We hereby consent to the inclusion of our opinion letter to the Board of Directors of First Miami Bancorp, Inc. (the "Seller") as an Appendix to the Joint Proxy Statement/Prospectus relating to the Seller’s proposed merger with United Community Banks, Inc. contained in the Registration Statement on Form S-4 as filed with the Securities and

April 5, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Definitive Proxy State

April 5, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Definitive Proxy State

March 30, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: March 30, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed

March 23, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: March 23, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed

March 16, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: March 16, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed

March 15, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: March 15, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed

March 13, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 13, 2023 UNITED COMMUNITY B

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 13, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commiss

March 13, 2023 EX-99.1

March 13, 2023 4Q22 Investor Presentation - Piper Sandler Atlanta Bank Tour

Exhibit 99.1 March 13, 2023 4Q22 Investor Presentation - Piper Sandler Atlanta Bank Tour Disclosures 2 CAUTIONARY STATEMENT This communication 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

March 9, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: March 9, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed

March 3, 2023 425

Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed merger of First Miami Bancorp, Inc., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: March 2, 2023 Set forth below is an internal newsletter to employees of First Miami Bancorp, Inc. regarding the proposed

February 24, 2023 EX-10.4

Form of Time-Based Restricted Stock Unit Award for Key Employees (for awards granted after 2022).

Exhibit 10.4 UNITED COMMUNITY BANKS, INC. 2022 OMNIBUS EQUITY PLAN RESTRICTED STOCK UNIT AWARD AGREEMENT (Key Employee) Grantee: Number of RSUs: RSUs Date of Grant: Vesting Schedule: Vesting Date Vest Quantity THIS AGREEMENT (the “Agreement”) is entered into as of the day of , , by and between UNITED COMMUNITY BANKS, INC., a Georgia corporation (the “Company”), and the individual designated above

February 24, 2023 10-K

10-K

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February 24, 2023 EX-21

Subsidiaries of United Community Banks, Inc.

EXHIBIT 21 Subsidiaries of United Community Banks, Inc. as of December 31, 2022 Subsidiary State of Organization United Community Bank South Carolina Navitas Credit Corp. Florida NLFC Reinsurance Corp. Tennessee UCB Investments, Inc. North Carolina UCB Funding Corp. Georgia United Community Development Corporation Georgia UCBI Georgia Credits LLC Georgia United Community Payment Systems, LLC (50%

February 24, 2023 EX-10.3

Form of Performance-Based Restricted Stock Unit Award for Key Employees (for awards granted after 2022).

Exhibit 10.3 UNITED COMMUNITY BANKS, INC. 2022 OMNIBUS EQUITY PLAN PERFORMANCE-BASED RESTRICTED STOCK UNIT AWARD AGREEMENT (Key Employee) Grantee: Target Number of Performance-Based Restricted Stock Units Granted: Target PSUs, subject to increase based on level of achievement of performance criteria in accordance with this Agreement Date of Grant: Vesting Schedule for Performance-Based Restricted

February 24, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTI

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2022 ☐ 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.

February 15, 2023 EX-2.1

Agreement and Plan of Merger by and between United Community Banks, Inc. and First Miami Bancorp, Inc. dated as of February 13, 2023 (incorporated herein by reference from Exhibit 2.1 to the Current Report on Form 8-K of United Community Banks, Inc. filed with the SEC on February 15, 2023)

Exhibit 2.1 EXECUTION VERSION AGREEMENT AND PLAN OF MERGER by and between UNITED COMMUNITY BANKS, INC., FIRST MIAMI BANCORP, INC. and ZAMBONI MERGER SUB, INC. Dated as of February 13, 2023 TABLE OF CONTENTS Page Article 1 THE MERGERS 2 1.1 First Merger 2 1.2 Closing 2 1.3 Effective Time 2 1.4 Effects of the First Merger 2 1.5 Conversion of Company Common Stock 2 1.6 Parent Common Stock 4 1.7 Merge

February 15, 2023 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 15, 2023 (February 13, 2023) UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of

February 15, 2023 EX-99.1

FORM OF VOTING AND SUPPORT AGREEMENT

Exhibit 99.1 EXECUTION VERSION FORM OF VOTING AND SUPPORT AGREEMENT THIS VOTING AND SUPPORT AGREEMENT (this “Agreement”), dated as of February 13, 2023 (“Agreement Date”), is entered into by and among (i) First Miami Bancorp, Inc., a Delaware corporation (the “Company”), (ii) United Community Banks, Inc., a Georgia corporation (“Parent”), and (iii) each person or entity executing this Agreement or

February 15, 2023 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 15, 2023 (February 13, 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 15, 2023 (February 13, 2023) UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of

February 15, 2023 EX-2.1

Agreement and Plan of Merger, dated as of February 13, 2023, by and among United Community Banks, Inc., First Miami Bancorp, Inc. and Zamboni Merger Sub, Inc.*

Exhibit 2.1 EXECUTION VERSION AGREEMENT AND PLAN OF MERGER by and between UNITED COMMUNITY BANKS, INC., FIRST MIAMI BANCORP, INC. and ZAMBONI MERGER SUB, INC. Dated as of February 13, 2023 TABLE OF CONTENTS Page Article 1 THE MERGERS 2 1.1 First Merger 2 1.2 Closing 2 1.3 Effective Time 2 1.4 Effects of the First Merger 2 1.5 Conversion of Company Common Stock 2 1.6 Parent Common Stock 4 1.7 Merge

February 15, 2023 EX-99.1

FORM OF VOTING AND SUPPORT AGREEMENT

Exhibit 99.1 EXECUTION VERSION FORM OF VOTING AND SUPPORT AGREEMENT THIS VOTING AND SUPPORT AGREEMENT (this “Agreement”), dated as of February 13, 2023 (“Agreement Date”), is entered into by and among (i) First Miami Bancorp, Inc., a Delaware corporation (the “Company”), (ii) United Community Banks, Inc., a Georgia corporation (“Parent”), and (iii) each person or entity executing this Agreement or

February 14, 2023 EX-10.2

Form of Change in Control Continuity Agreement for Jefferson L. Harralson, Richard W. Bradshaw, Robert A. Edwards and Melinda Davis Lux, dated February 14, 2023 (incorporated herein by reference to Exhibit 10.2 to United Community Banks, Inc.'s Current Report on Form 8-K dated February 14, 2023 and filed with the SEC on February 14, 2023)

Exhibit 10.2 CHANGE IN CONTROL CONTINUITY AGREEMENT THIS Change in Control CONTINUITY AGREEMENT (this “Agreement”) is made and entered into, as of February 14, 2023 (the “Effective Date”), by and among United Community Banks, Inc., a Georgia corporation (the “Company”) and [•] (“Executive”). WHEREAS, the Board of Directors of the Company (the “Board”) has determined that it is in the best interest

February 14, 2023 EX-10.3

Employment Agreement dated February 14, 2023 by and between United Community Banks, Inc. and H. Lynn Harton (incorporated herein by reference to Exhibit 10.3 to United Community Banks, Inc.'s Current Report on Form 8-K dated February 14, 2023 and filed with the SEC on February 14, 2023)

Exhibit 10.3 EXECUTION VERSION Employment AGREEMENT THIS EMPLOYMENT AGREEMENT (this “Agreement”) is made and entered into as of February 14, 2023, by and between United Community Banks, Inc., a Georgia corporation (the “Company”), and H. Lynn Harton (“Executive”). WHEREAS, the Company is desirous of continuing the employment of Executive on the terms and conditions, and for the consideration, here

February 14, 2023 EX-10.1

Change of Control Continuity Agreement dated February 14, 2023 by and between United Community Banks, Inc. and H. Lynn Harton (incorporated herein by reference to Exhibit 10.1 to United Community Banks, Inc.'s Current Report on Form 8-K dated February 14, 2023 and filed with the SEC on February 14, 2023).#

Exhibit 10.1 EXECUTION VERSION CHANGE IN CONTROL CONTINUITY AGREEMENT THIS Change in Control CONTINUITY AGREEMENT (this “Agreement”) is made and entered into, as of February 14, 2023 (the “Effective Date”), by and among United Community Banks, Inc., a Georgia corporation (the “Company”) and H. Lynn Harton (“Executive”). WHEREAS, the Board of Directors of the Company (the “Board”) has determined th

February 14, 2023 8-K

Financial Statements and Exhibits, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 14, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Comm

February 13, 2023 EX-99.1

Merger Agreement With First Miami Bancorp, Inc. Strengthening Position In Vibrant Miami - Dade Market February 13, 2023

Exhibit 99.1 Merger Agreement With First Miami Bancorp, Inc. Strengthening Position In Vibrant Miami - Dade Market February 13, 2023 Important Information for Stockholders and Investors 2 This presentation relates to a proposed merger of United Community Banks, Inc . (“United ” or “UCBI”) and First Miami Bancorp, Inc . (“First Miami”) . In connection with the proposed merger, United intends to fil

February 13, 2023 EX-99.2

UNITED COMMUNITY BANKS, INC. AND FIRST MIAMI BANCORP, INC. ANNOUNCE MERGER AGREEMENT Strengthening Position in Vibrant Miami Market

EX-99.2 3 tm236564d1ex99-2.htm EXHIBIT 99.2 Exhibit 99.2 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] UNITED COMMUNITY BANKS, INC. AND FIRST MIAMI BANCORP, INC. ANNOUNCE MERGER AGREEMENT Strengthening Position in Vibrant Miami Market GREENVILLE, SC and SOUTH MIAMI, FL – February 13, 2023 – United Community Banks,

February 13, 2023 EX-99.1

Merger Agreement With First Miami Bancorp, Inc. Strengthening Position In Vibrant Miami - Dade Market February 13, 2023

Exhibit 99.1 Merger Agreement With First Miami Bancorp, Inc. Strengthening Position In Vibrant Miami - Dade Market February 13, 2023 Important Information for Stockholders and Investors 2 This presentation relates to a proposed merger of United Community Banks, Inc . (“United ” or “UCBI”) and First Miami Bancorp, Inc . (“First Miami”) . In connection with the proposed merger, United intends to fil

February 13, 2023 EX-99.2

UNITED COMMUNITY BANKS, INC. AND FIRST MIAMI BANCORP, INC. ANNOUNCE MERGER AGREEMENT Strengthening Position in Vibrant Miami Market

Exhibit 99.2 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] UNITED COMMUNITY BANKS, INC. AND FIRST MIAMI BANCORP, INC. ANNOUNCE MERGER AGREEMENT Strengthening Position in Vibrant Miami Market GREENVILLE, SC and SOUTH MIAMI, FL – February 13, 2023 – United Community Banks, Inc. (NASDAQ: UCBI) (“United”) and First Mi

February 13, 2023 425

* * * 5750 SUNSET DRIVE, SOUTH MIAMI, FL 33143 305.667.5511 WWW.FNBSM.COM Member FDIC

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: First Miami Bancorp, Inc. Commission File No.: 001-35095 Date: February 13, 2023 February 13, 2023 Dear Shareholder, On February 13, 2023, First Miami Bancorp, Inc. (First Miami) signe

February 13, 2023 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 13, 2023 UNITED COMMUNIT

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 13, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Comm

February 13, 2023 8-K

Regulation FD Disclosure, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 13, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Comm

February 9, 2023 SC 13G/A

UCBI / United Community Banks, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv02121-unitedcommunitybanks.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 7)* Name of issuer: United Community Banks Inc./GA Title of Class of Securities: Common Stock CUSIP Number: 90984P303 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate

January 17, 2023 EX-99.2

4 Q22 Investor Presentation January 17, 2023

EX-99.2 4 tm233552d1ex99-2.htm EXHIBIT 99.2 4 Q22 Investor Presentation January 17, 2023 Disclosures 2 CAUTIONARY STATEMENT This communication 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

January 17, 2023 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 17, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

January 17, 2023 EX-99.1

United Community Banks, Inc. Reports Fourth Quarter 2022 Results GAAP EPS of $0.74, Return on Assets of 1.33% and Loan Growth of 12%

EX-99.1 2 tm233552d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Fourth Quarter 2022 Results GAAP EPS of $0.74, Return on Assets of 1.33% and Loan Growth of 12% GREENVILLE, SC – January 17, 2023 - United Community Banks, Inc. (NASDAQ: UCBI)

January 17, 2023 EX-99.1

EX-99.1

For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 JeffersonHarralson@ucbi.

January 17, 2023 EX-99.2

EX-99.2

4Q22 Investor Presentation January 17, 2023Disclosures 2 CAUTIONARY STATEMENT This communication 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.

January 6, 2023 EX-10.2

Progress Financial Corporation 2016 Equity Incentive Plan. *

Exhibit 10.2 PROGRESS FINANCIAL CORPORATION 2016 EQUITY INCENTIVE PLAN 1.??????????????Establishment, Purpose and Types of Awards Progress Financial Corporation, an Alabama corporation (the "Company"), has established the PROGRESS FINANCIAL CORPORATION 2016 EQUITY INCENTIVE PLAN (the "Plan"). The purpose of the Plan is to promote the long-term growth and profitability of the Company by (i) providi

January 6, 2023 EX-10.2

Progress Financial Corporation 2016 Equity Incentive Plan. *

Exhibit 10.2 PROGRESS FINANCIAL CORPORATION 2016 EQUITY INCENTIVE PLAN 1.??????????????Establishment, Purpose and Types of Awards Progress Financial Corporation, an Alabama corporation (the "Company"), has established the PROGRESS FINANCIAL CORPORATION 2016 EQUITY INCENTIVE PLAN (the "Plan"). The purpose of the Plan is to promote the long-term growth and profitability of the Company by (i) providi

January 6, 2023 EX-10.1

Progress Financial Corporation 2008 Incentive Stock Compensation Plan. *

EX-10.1 3 tm231315d1ex10-1.htm EXHIBIT 10.1 Exhibit 10.1 PROGRESS BANK & TRUST 2008 INCENTIVE STOCK COMPENSATION PLAN February 19, 2008 B-1 PROGRESS BANK & TRUST 2008 INCENTIVE STOCK COMPENSATION PLAN This 2008 Incentive Stock Compensation Plan is adopted of the 19th day of February, 2008, by Progress Bank & Trust, an Alabama state bank. ARTICLE I. PURPOSE, SCOPE AND ADMINISTRATION OF THE PLAN Sec

January 6, 2023 S-4MEF

As filed with the Securities and Exchange Commission on January 6, 2023

As filed with the Securities and Exchange Commission on January 6, 2023 Registration No.

January 6, 2023 EX-FILING FEES

Filing Fee Table.

EX-FILING FEES Calculation of Filing Fee Tables Form S-4 (Form Type) United Community Banks, Inc.

January 6, 2023 S-8 POS

As filed with the Securities and Exchange Commission on January 6, 2023

As filed with the Securities and Exchange Commission on January 6, 2023 Registration No.

January 6, 2023 S-8 POS

As filed with the Securities and Exchange Commission on January 6, 2023

As filed with the Securities and Exchange Commission on January 6, 2023 Registration No.

January 6, 2023 EX-10.1

Progress Financial Corporation 2008 Incentive Stock Compensation Plan. *

Exhibit 10.1 PROGRESS BANK & TRUST 2008 INCENTIVE STOCK COMPENSATION PLAN February 19, 2008 B-1 PROGRESS BANK & TRUST 2008 INCENTIVE STOCK COMPENSATION PLAN This 2008 Incentive Stock Compensation Plan is adopted of the 19th day of February, 2008, by Progress Bank & Trust, an Alabama state bank. ARTICLE I. PURPOSE, SCOPE AND ADMINISTRATION OF THE PLAN Section 1.01.?????????Purpose. The purpose of t

January 4, 2023 EX-99.1

UNITED COMMUNITY BANKS, INC. ANNOUNCES COMPLETION OF MERGER WITH PROGRESS FINANCIAL CORPORATION

EX-99.1 2 tm231415d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] UNITED COMMUNITY BANKS, INC. ANNOUNCES COMPLETION OF MERGER WITH PROGRESS FINANCIAL CORPORATION GREENVILLE, SC – January 3, 2023 – United Community Banks, Inc. (NASDAQ: UCBI) (United) completed its merger with Pr

January 4, 2023 8-K

Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 3, 2023 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction (Commission (IRS employer

December 14, 2022 EX-FILING FEES

Filing Fee Table.

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) UNITED COMMUNITY BANKS, INC.

December 14, 2022 EX-25.2

Form T-1 Statement of Eligibility of U.S. Bank Trust Company, National Association, as trustee under the Indenture for the Subordinated Debt Securities.

Exhibit 25.2 securities and exchange commission Washington, D.C. 20549 FORM T-1 Statement of Eligibility Under The Trust Indenture Act of 1939 of a Corporation Designated to Act as Trustee Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) ? U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its charter) 91-1821036 I.R.S. E

December 14, 2022 EX-24.1

Power of Attorney.

Exhibit 24.1 POWER OF ATTORNEY KNOW ALL PERSONS BY THESE PRESENTS, that each of the undersigned officers and/or directors of United Community Banks, Inc. (the ?Company?) does hereby severally constitute and appoint H. Lynn Harton, Jefferson L. Harralson and Alan H. Kumler, and each of them acting alone, his or her true and lawful attorneys-in-fact and agents, with full power of substitution and re

December 14, 2022 S-3ASR

As filed with the U.S. Securities and Exchange Commission on December 14, 2022

As filed with the U.S. Securities and Exchange Commission on December 14, 2022 File No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 UNITED COMMUNITY BANKS, INC. (Exact name of issuer as specified in its charter) Georgia (State or other jurisdiction of incorporation or organization) 58-1807304 (I.R.S.

December 14, 2022 EX-25.1

Form T-1 Statement of Eligibility of U.S. Bank Trust Company, National Association (as assignee of U.S. Bank National Association), as trustee under the Indenture for the Senior Debt Securities.

Exhibit 25.1 securities and exchange commission Washington, D.C. 20549 FORM T-1 Statement of Eligibility Under The Trust Indenture Act of 1939 of a Corporation Designated to Act as Trustee Check if an Application to Determine Eligibility of a Trustee Pursuant to Section 305(b)(2) ? U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION (Exact name of Trustee as specified in its charter) 91-1821036 I.R.S. E

December 14, 2022 EX-4.3

Form of Indenture for Subordinated Debt Securities.

Exhibit 4.3 UNITED COMMUNITY BANKS, INC., ISSUER AND U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, TRUSTEE SUBORDINATED DEBT SECURITIES FORM OF INDENTURE Dated as of [ ??], 20[ ??] TABLE OF CONTENTS Page ARTICLE I Definitions and Other Provisions of General Application 1 Section 1.1 Definitions 1 Section 1.2 Compliance Certificates and Opinions 7 Section 1.3 Form of Documents Delivered to Trustee

November 4, 2022 EX-10.1

Form of Change in Control Agreement Termination Letter Agreement, dated November 1, 2022, between United Community Banks, Inc. and each of H. Lynn Harton, Jefferson L. Harralson, Richard W. Bradshaw, Robert A. Edwards, Melinda Davis Lux, Mark A. Terry and Holly N. Berry

Exhibit 10.1 November 1, 2022 By Hand [Name of Executive Title of Executive]1 2 W. Washington St. Suite 700 Greenville, South Carolina 29601 Re: Termination of Change in Control Severance Agreement Dear [Name of Executive]: United Community Banks, Inc. (the ?Company?) is undergoing a review of its executive compensation arrangements. In connection therewith, the Company desires to terminate the Un

November 4, 2022 10-Q

10-Q

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November 4, 2022 10-Q

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 September 30, 2022 ☐ TRANSITION REPORT PURSUANT

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 September 30, 2022 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

October 18, 2022 EX-99.1

EX-99.1

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October 18, 2022 EX-99.1

United Community Banks, Inc. Reports Third Quarter Results Strong Core Profitability Driven by Loan Growth and Continued Margin Expansion

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Third Quarter Results Strong Core Profitability Driven by Loan Growth and Continued Margin Expansion GREENVILLE, SC ? October 18, 2022 - United Community Banks, Inc. (NASDAQ: UCBI) (United) announced today that net inco

October 18, 2022 EX-99.2

3Q22 Investor Presentation October 18, 2022

Exhibit 99.2 3Q22 Investor Presentation October 18, 2022 Disclosures 2 CAUTIONARY STATEMENT This communication 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 ?ma

October 18, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 18, 2022 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commi

October 18, 2022 EX-99.2

EX-99.2

3Q22 Investor Presentation October 18, 2022Disclosures 2 CAUTIONARY STATEMENT This communication 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.

September 14, 2022 425

Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed merger of Progress Financial Corp., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: September 14, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the propos

August 31, 2022 425

Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed merger of Progress Financial Corp., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: August 31, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed

August 18, 2022 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 17, 2022 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commis

August 18, 2022 EX-99

United Community Banks, Inc. Names George Bell to Board of Directors

Exhibit 99 FOR IMMEDIATE RELEASE Contact: Joy Marshall [email protected] (864) 241-8738 United Community Banks, Inc. Names George Bell to Board of Directors GREENVILLE, S.C. ? August 18, 2022 ? United Community Banks, Inc. announced today that its Board of Directors has appointed George Bell as Director. Bell is an experienced information technology executive and has more than 25 years of exper

August 17, 2022 425

John Goins Co-chair, Together for Good Council Regional President - Western North Carolina

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: August 17, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed

August 5, 2022 10-Q

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, 2022 ☐ TRANSITION REPORT PURSUANT TO S

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, 2022 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

August 5, 2022 EX-10.2

Form of Restricted Stock Unit Award Agreement for Non-Employee Directors (incorporated herein by reference to Exhibit 10.2 to United Community Banks, Inc.'s Quarterly Report on Form 10-Q for the period ended June 30, 2022, File No. 001-35095, filed with the SEC on August 5, 2022).

Exhibit 10.2 UNITED COMMUNITY BANKS, INC. 2022 OMNIBUS EQUITY PLAN RESTRICTED STOCK UNIT AWARD AGREEMENT (Non-Employee Director) Grantee: Number of RSUs: RSUs Date of Grant: Vesting Schedule: Vesting Date Vest Quantity 100% THIS AGREEMENT (the ?Agreement?) is entered into as of the day of , , by and between UNITED COMMUNITY BANKS, INC., a Georgia corporation (the ?Company?), and the individual des

August 5, 2022 10-Q

10-Q PDF

August 3, 2022 425

Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed merger of Progress Financial Corp., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: August 3, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed m

July 20, 2022 425

Filed by United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: July 19, 2022 2 Q22 Investor Presentation July 19, 2022 Important Information For Shareholders and Investors 2 This presen

July 20, 2022 425

UNITED COMMUNITY BANKS, INC. Moderator: Lynn Harton July 20, 2022 11:00 a.m. EDT

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: July 20, 2022 Set forth below is a transcript of United Community Banks, Inc.?s quarterly earnings conference call held on

July 20, 2022 425

United Community Banks, Inc. Reports Second Quarter Results Strong Core Profitability Driven by Net Interest Margin Expansion and Loan Growth of 6.3%

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: July 19, 2022 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 Jeffe

July 19, 2022 EX-99.1

EX-99.1

July 19, 2022 EX-99.2

2 Q22 Investor Presentation July 19, 2022

Exhibit 99.2 2 Q22 Investor Presentation July 19, 2022 Important Information For Shareholders and Investors 2 This presentation contains information related to a proposed merger of United Community Banks, Inc . ("United") with Progress Financial Corporation (?Progress") . In connection with the proposed merger, United has filed with the Securities and Exchange Commission (?SEC?) a registration sta

July 19, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 19, 2022 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissi

July 19, 2022 EX-99.1

United Community Banks, Inc. Reports Second Quarter Results Strong Core Profitability Driven by Net Interest Margin Expansion and Loan Growth of 6.3%

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] United Community Banks, Inc. Reports Second Quarter Results Strong Core Profitability Driven by Net Interest Margin Expansion and Loan Growth of 6.3% GREENVILLE, SC ? July 19, 2022 - United Community Banks, Inc. (NASDAQ: UCBI) (United) today announced net

July 19, 2022 EX-99.2

EX-99.2

July 12, 2022 424B3

MERGER PROPOSED — YOUR VOTE IS VERY IMPORTANT

TABLE OF CONTENTS ?Filed Pursuant to Rule 424(b)(3) ?Registration No. 333-265839? ? ? ? ? MERGER PROPOSED???YOUR VOTE IS VERY IMPORTANT To the Stockholders of Progress Financial Corporation: On May 3, 2022, United Community Banks, Inc., which we refer to as United, and Progress Financial Corporation, which we refer to as Progress, entered into an Agreement and Plan of Merger, which we refer to as

July 1, 2022 CORRESP

United Community Banks, Inc. 2 West Washington Street, Suite 700 Greenville, South Carolina 29601 July 1, 2022

United Community Banks, Inc. 2 West Washington Street, Suite 700 Greenville, South Carolina 29601 July 1, 2022 U.S. Securities and Exchange Commission Division of Corporation Finance 100 F. Street, N.E. Washington, D.C. 20549 Attention: Dave Gessert Division of Corporate Finance Office of Financial Services Re: United Community Banks, Inc. (the “Registrant”) Registration Statement on Form S-4 File

July 1, 2022 EX-99.1

Consent of Stephens Inc.

Exhibit 99.1 CONSENT OF STEPHENS INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Progress Financial Corporation (the ?Company?) as an Appendix to the Proxy Statement/Prospectus relating to the proposed merger of the Company with and into United Community Banks, Inc. contained in the Registration Statement on Form S-4, as filed with the Securities and Exch

July 1, 2022 EX-99.2

Form of proxy of Progress Financial Corporation.

Exhibit 99.2 REVOCABLE PROXY PROGRESS FINANCIAL CORPORATION 201 Williams Avenue Huntsville, Alabama 35801 This proxy is solicited on behalf of the Board of Directors of Progress Financial Corporation (the ?Company?) for use at the Annual Meeting of Stockholders of the Company to be held on September 13, 2022 and at any postponements or adjournments thereof (the ?Annual Meeting?). The undersigned,

July 1, 2022 S-4/A

Agreement and Plan of Merger by and between United Community Banks, Inc. and Progress Financial Corporation dated as of May 3, 2022 (incorporated herein by reference to Exhibit 2.1 to United Community Banks, Inc.’s Current Report on Form 8-K dated May 3, 2022 and filed with the SEC on May 4, 2022

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on July 1, 2022 Registration No.

June 29, 2022 425

Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed merger of Progress Financial Corp., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: June 29, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed me

June 24, 2022 EX-FILING FEES

Filing Fee Table.

EX-FILING FEES 6 tm2219182d2ex-filingfees.htm EX-FILING FEES EX-FILING FEES Calculation of Filing Fee Tables Form S-4 (Form Type) United Community Banks, Inc. (Exact Name of Registrant as Specified in its Charter) Table 1: Newly Registered and Carry Forward Securities Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit

June 24, 2022 S-4

As filed with the Securities and Exchange Commission on June 24, 2022

TABLE OF CONTENTS As filed with the Securities and Exchange Commission on June 24, 2022 Registration No.

June 24, 2022 EX-99.1

Consent of Stephens Inc.

Exhibit 99.1 CONSENT OF STEPHENS INC. We hereby consent to the inclusion of our opinion letter to the Board of Directors of Progress Financial Corporation (the ?Company?) as an Appendix to the Proxy Statement/Prospectus relating to the proposed merger of the Company with and into United Community Banks, Inc. contained in the Registration Statement on Form S-4, as filed with the Securities and Exch

June 23, 2022 425

Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed merger of Progress Financial Corp., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: June 22, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed me

June 15, 2022 425

Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed merger of Progress Financial Corp., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: June 15, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed me

June 10, 2022 425

On June 8, 2022, United Community Banks, Inc. provided the following information through the internet.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: June 8, 2022 On June 8, 2022, United Community Banks, Inc. provided the following information through the internet. United

June 8, 2022 425

Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed merger of Progress Financial Corp., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: June 8, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed mer

June 6, 2022 425

Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed merger of Progress Financial Corp., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: June 1, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed mer

June 2, 2022 425

Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed merger of Progress Financial Corp., with and into United Community Banks, Inc.

Filed by United Community Banks, Inc. Pursuant to Rule 425 under the Securities Act of 1933, as amended and deemed filed pursuant to Rule 14a-12 under the Securities Exchange Act of 1934, as amended Subject Company: Progress Financial Corp. Commission File No.: 001-35095 Date: May 25, 2022 Set forth below is an internal newsletter to employees of Progress Financial Corp. regarding the proposed mer

May 20, 2022 S-8

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 58-1807304 (State or

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 58-1807304 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification Number) 125 Highway 515 East Blairsville, Georgia 30512 (Address

May 20, 2022 EX-FILING FEES

Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables FORM S-8 (Form Type) United Community Banks, Inc.

May 19, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 18, 2022 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commissio

May 6, 2022 10-Q

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 March 31, 2022 ☐ TRANSITION REPORT PURSUANT TO

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 March 31, 2022 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 BANK

May 6, 2022 10-Q

10-Q

May 4, 2022 EX-99.2

Acquisition of Progress Financial Corporation Expanding Further Into Attractive Southeastern Markets May 4, 2022

Exhibit 99.2 Acquisition of Progress Financial Corporation Expanding Further Into Attractive Southeastern Markets May 4, 2022 Important Information for Stockholders and Investors 2 This presentation relates to a proposed merger of United Community Banks, Inc . (?United?) and Progress Financial Corporation (?Progress?) . In connection with the proposed merger, United is required to file with the Se

May 4, 2022 EX-99.1

UNITED COMMUNITY BANKS, INC. AND PROGRESS FINANCIAL CORPORATION ANNOUNCE MERGER AGREEMENT Expanding Further into Attractive Southeastern Markets

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] UNITED COMMUNITY BANKS, INC. AND PROGRESS FINANCIAL CORPORATION ANNOUNCE MERGER AGREEMENT Expanding Further into Attractive Southeastern Markets GREENVILLE, SC and HUNTSVILLE, AL ? May 4, 2022 ? United Community Banks, Inc. (NASDAQGS: UCBI) (?United?) and

May 4, 2022 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 3, 2022 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commission

May 4, 2022 EX-2.1

Agreement and Plan of Merger, dated as of May 3, 2022, by and between United Community Banks, Inc. and Progress Financial Corporation.*

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between UNITED COMMUNITY BANKS, INC. and PROGRESS FINANCIAL CORPORATION Dated as of May 3, 2022 TABLE OF CONTENTS Page RECITALS 1 ARTICLE 1 THE MERGER 1 1.1 The Merger 1 1.2 Closing 2 1.3 Effective Time 2 1.4 Effects of the Merger 2 1.5 Conversion of Company Common Stock 2 1.6 Parent Common Stock 3 1.7 Treatment of Company Equity Awards 4 1.8 Article

May 4, 2022 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 3, 2022 UNITED COMMUNITY BANK

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 3, 2022 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) Georgia 001-35095 58-1807304 (State or other jurisdiction of incorporation) (Commission

May 4, 2022 EX-99.1

UNITED COMMUNITY BANKS, INC. AND PROGRESS FINANCIAL CORPORATION ANNOUNCE MERGER AGREEMENT Expanding Further into Attractive Southeastern Markets

Exhibit 99.1 For Immediate Release For more information: Jefferson Harralson Chief Financial Officer (864) 240-6208 [email protected] UNITED COMMUNITY BANKS, INC. AND PROGRESS FINANCIAL CORPORATION ANNOUNCE MERGER AGREEMENT Expanding Further into Attractive Southeastern Markets GREENVILLE, SC and HUNTSVILLE, AL ? May 4, 2022 ? United Community Banks, Inc. (NASDAQGS: UCBI) (?United?) and

May 4, 2022 EX-99.2

Acquisition of Progress Financial Corporation Expanding Further Into Attractive Southeastern Markets May 4, 2022

Exhibit 99.2 Acquisition of Progress Financial Corporation Expanding Further Into Attractive Southeastern Markets May 4, 2022 Important Information for Stockholders and Investors 2 This presentation relates to a proposed merger of United Community Banks, Inc . (?United?) and Progress Financial Corporation (?Progress?) . In connection with the proposed merger, United is required to file with the Se

May 4, 2022 EX-2.1

Agreement and Plan of Merger, dated as of May 3, 2022, by and between United Community Banks, Inc. and Progress Financial Corporation.*

Exhibit 2.1 AGREEMENT AND PLAN OF MERGER by and between UNITED COMMUNITY BANKS, INC. and PROGRESS FINANCIAL CORPORATION Dated as of May 3, 2022 TABLE OF CONTENTS Page RECITALS 1 ARTICLE 1 THE MERGER 1 1.1 The Merger 1 1.2 Closing 2 1.3 Effective Time 2 1.4 Effects of the Merger 2 1.5 Conversion of Company Common Stock 2 1.6 Parent Common Stock 3 1.7 Treatment of Company Equity Awards 4 1.8 Article

April 19, 2022 EX-99.1

United Community Banks, Inc. Reports First Quarter Results Strong Core Profitability, Loan Growth of 9% and Deposit Growth of 7%

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 Results Strong Core Profitability, Loan Growth of 9% and Deposit Growth of 7% GREENVILLE, SC ? April 19, 2022 - United Community Banks, Inc. (NASDAQ: UCBI) (United) today announced that net income for the

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