United Community's Commitment to You

For 75 years, United Community has been providing our customers with a secure and trusted place to bank. We take the commitment to our customers seriously, with a strong focus on safety and soundness. We have always believed in diversification, which helps provide stability during times of economic uncertainty and volatilty.

Bank Characteristics:

• 11-time winner of the J.D. Power award for Customer Satisfaction with Consumer Banking in the Southeast and #1 in Trust and People in 2025.
• Recognized for the ninth consecutive year by Coalition Greenwich Best Bank awards, receiving five Middle Market and Small Business Banking awards, including national honors for Overall Satisfaction in 2025.
• Named one of American Banker’s “Best Banks to Work For” for the eighth consecutive year.
• 200 bank locations situated in the fastest-growing geographies in the Southeast.

 

Strong Financial Profile*:

• Deposits: Strong, diverse, and granular deposit portfolio with an average account size of $34,000.
• Loans: Credit quality is strong, and our portfolio is well diversified. Disciplined focus on concentration risk with over 50 industry segment and relationship limits.
• Significant liquidity: We have a relatively low loan-to-deposit ratio and multiple sources of liquidity available to meet depositor needs. For specifics, please visit https://ir.ucbi.com/.
• Capital levels: Our capital levels are generally above our peers and significantly higher than regulatory requirements for being well capitalized, and we continue to build capital through earnings.
• Additional FDIC insurance options: We offer multiple ways to provide added assurance for customer deposits utilizing the Certificate of Deposit Account Registry Services (CDARS) and the Insured Cash Sweep (ICS) programs.
• Bond Ratings: We received positive recognition regarding our strength and stability. KBRA has affirmed our current bond ratings and our stable outlook. According to the report, the main reasons for the strong ratings and the stable outlook are:
  • Our granular, low-cost deposit base
  • More liquid balance sheet
  • Strong capital ratios as compared to peers

 

What should you do if you have additional questions?
We encourage you to reach out to your local United Community banker to ask any questions that you might have. You can also call us at 1-800-UCBANK1 (1-800-822-2651).