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United Community Bank

Greenville, SC · Cert 16889 · United Community Banks Inc.

State charter, Fed member · FED · 190 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

33

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Community Bank

Greenville, SC · Cert 16889 · United Community Banks Inc.

State charter, Fed member · FED · 190 branches

Q2 2026

$29.0BAssets
$20.0BLoans
$24.1BDeposits
$3.4BEquity
Loan mix
77%RE $14.8B22%C&I $4.3B1%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $17.6B27%Noninterest $6.5BQ2 2025Q2 2026

NIM

5.03%Q2 ’244.86%Q2 ’254.76%Q2 ’26+3%+6%

Non-interest income vs. expense

2.05%Q2 ’242.03%Q2 ’252.19%Q2 ’26-1%+10%

Market Position · Atlanta-Sandy Springs-Roswell, GA · 2026 SOD (annual) · 2.1% share · #10 of 81 inst. · $5.5B of $255.1B

8.5% Greenville
15.3% Hall
60.5% Fannin
10.7% Forsyth

Executive Summary

  • Earnings: ROA of 1.40%, up 28 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.51% of loans (+8 bps YoY), with net charge-offs at 0.18%.
  • Capital: tier 1 leverage ratio of 9.52%, up 4 bps from a year ago.
  • Funding: loans stand at 83.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+20 bps YoY

Efficiency Ratio (YTD, annualized)

55.92%+138 bps YoY

Tier 1 Leverage Ratio

9.52%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.18%1.19%1.17%1.40%+28 bps
Return on Equity9.43%9.89%9.98%9.67%11.65%+222 bps
Net Interest Margin3.25%3.32%3.33%3.43%3.45%+20 bps
Efficiency Ratio54.54%54.03%53.77%56.08%55.92%+138 bps
Non-Interest Burden1.53%1.54%1.53%1.67%1.68%+15 bps
Growth
Asset Growth (YoY)3.87%2.87%0.99%1.03%3.37%-50 bps
Loan Growth (YoY)3.82%6.64%6.53%6.39%5.43%+161 bps
Deposit Growth (YoY)4.15%2.98%1.19%0.72%-1.29%-544 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.50%0.47%0.49%0.51%+8 bps
Net Charge-Offs / Loans0.19%0.18%0.22%0.21%0.18%-1 bps
Allowance / Loans1.14%1.12%1.08%1.06%0.84%-30 bps
Allowance Coverage of NPLs2.7x2.2x2.3x2.2x1.7x-1.0x
Capital
Tier 1 Leverage Ratio9.48%9.52%9.42%9.50%9.52%+4 bps
Total Risk-Based Capital13.66%13.53%13.37%13.21%12.93%-73 bps
Equity / Assets11.98%12.04%12.14%12.05%11.81%-17 bps
Liquidity & Funding
Loans / Deposits77.74%78.69%80.48%80.45%83.03%+529 bps
Liquid Assets / Assets8.90%9.04%8.25%8.58%8.21%-70 bps
CRE / Total Capitaln/a373%375%380%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United Community Bank

Greenville, SC · Cert 16889 · Peer group: banks over $10B in assets (n=142-144) · United Community Banks Inc.

State charter, Fed member · FED · 190 branches

Q2 2026

$29.0BAssets
$20.0BLoans
$24.1BDeposits
$3.4BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 70% of banks over $10B in assets (rank 43 of 142).
  • Widest gap: total risk-based capital ratio trails 87% of banks over $10B in assets (rank 125 of 144).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.37%

Rank 56 of 144

Net Interest Margin

3.45%

Rank 60 of 144

Efficiency Ratio

57.02%

Rank 81 of 144

Equity / Assets

11.81%

Rank 56 of 144

Non-interest income vs. expense

$147.2M$624.2MINCOMEEXPENSE
Unfavorable gap of $477.0M · efficiency ratio beats 44% of banks over $10B in assets
Bank 57.02%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%1.00%1.26%1.54%Beats 61%56 / 144
Return on Equity11.58%8.98%11.34%14.40%Beats 53%68 / 144
Net Interest Margin3.45%2.82%3.31%3.68%Beats 58%60 / 144
Efficiency Ratio57.02%49.42%56.02%62.41%Beats 44%81 / 144
Asset Quality
Nonperforming Loans / Loans0.51%0.48%0.73%1.07%Beats 70%43 / 142
Net Charge-Offs / Loans0.14%0.05%0.11%0.22%Beats 43%82 / 142
Capital
Tier 1 Capital Ratio12.09%12.07%12.98%14.92%Beats 26%107 / 144
Total Risk-Based Capital Ratio12.93%13.39%14.14%16.25%Beats 13%125 / 144
Equity / Assets11.81%9.69%11.39%12.96%Beats 61%56 / 144
Liquidity & Funding
Loans / Deposits83.03%75.72%84.92%91.56%42nd pctl83 / 143
Loans / Assets68.95%59.83%69.07%74.80%47th pctl76 / 144
Brokered Deposits / Depositsn/aNot reported for this institution