United Community Banks

What United Community Banks does

United Community Banks, Inc. (NYSE: UCB) is a publicly traded regional bank holding company founded in 1950 and headquartered in Greenville, South Carolina. It is the third-largest traditional bank holding company in Georgia and operates 200 offices across six Southeastern states — Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee — with total assets of approximately $28.2 billion as of March 31, 2026. The company serves retail consumers, small and medium businesses, middle-market commercial clients, healthcare providers, real estate developers, and government entities through a relationship-banking model delivered via physical branches, dedicated commercial relationship managers, mortgage loan originators, and a unified digital banking platform (online and mobile, with Zelle, Apple Pay, Google Pay, Samsung Pay, PayPal, and Venmo integrations). A wealth management overlay is provided through the FinTrust Capital Partners subsidiary and dedicated Private Wealth advisors.

The product platform spans deposit accounts (five consumer checking tiers, savings, money market, CDs), consumer lending (personal loans, auto, HELOCs, home equity loans), a full mortgage suite (fixed/ARM, Jumbo, VA, construction-to-permanent, plus proprietary PATH up-to-100%-financing and Physician mortgages), and business banking (commercial loans and lines of credit, SBA and USDA lending, real estate and construction lending, equipment lending, asset-based lending, syndicated/participated loans, and a treasury management suite including ACH origination, wire transfers, Positive Pay fraud protection, and merchant services). The digital layer includes mobile deposit, Card Controls, Bill Pay, My Money Manager (budgeting/net worth), eStatements, and a co-branded Greenlight debit card for kids and teens. The company is simultaneously divesting its equipment finance subsidiary Navitas Credit (to Wafra Inc. for $1.9 billion, announced June 2026) and acquiring Peach State Bancshares ($100.8 million, announced April 2026), sharpening the core community-bank focus.

Revenue is generated primarily through net interest income from the loan portfolio (commercial real estate, residential mortgages, consumer loans, and equipment finance until the Navitas close), supplemented by non-interest income from deposit service charges, debit-card interchange, mortgage banking, and wealth management fees. Q1 2026 revenue of $276.5 million (+12% YoY) and full-year 2025 revenue exceeding $1 billion (+12% YoY) reflect a strong operating posture, supported by NIM expansion to 3.65% (+29 bps YoY), 4.5% annualized loan growth, and 19% YoY operating EPS growth to $0.70 in Q1 2026.

Name

United Community Banks

Legal name

United Community Banks, Inc.

Website

https://ucbi.com

Company type

Public

Founded year

1950

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

United Community Banks is a regional Southeast bank holding company operating 200 branches across six states with $28.2 billion in assets, offering consumer and commercial deposits, lending, mortgages, treasury management, and wealth advisory to retail, SMB, and middle-market customers.

Ownership category

akta.pro rank

Product category

Regional Community Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Portfolio Management and Investment Advice (523940)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Real Estate (Commercial Property, REITs) (FSABACAH), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Retail banking services
• Commercial lending products
• Mortgage loan services
• Treasury management solutions
• Wealth management advisory

Headquarters

HQ city

Blairsville

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest income from loan portfolio including commercial real estate, residential mortgages, consumer loans, and equipment finance, offset by interest paid on deposits
2. Non-Interest Income: Service charges on deposit accounts, interchange fees from debit cards, mortgage banking revenue, and wealth management fees
3. Equipment Finance (Navitas): Equipment lending revenue from Navitas Credit subsidiary providing financing for small and mid-sized businesses - representing 10% of total loans and 50% of net charge-offs

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

United Community Banks is a regional community bank holding company that provides personal and business banking, mortgage lending, treasury management, and wealth advisory services through a 200-branch network across six Southeastern U.S. states and a digital banking platform (mobile and online). Its core deposit franchise includes checking, savings, money market, and certificates of deposit, while its lending portfolio spans consumer mortgage and home-equity products, auto and personal loans, and commercial loans plus treasury and cash management solutions for businesses. The company also distributes wealth management services through FinTrust and a private wealth division and operates a co-branded Greenlight debit card and financial education program for kids and teens.

Product overview

United Community Banks operates as a regional community bank offering a unified platform of deposit, lending, and digital banking products across six Southeastern U.S. states. Its core deposit suite includes five distinct checking accounts (United Checking, United Signature Checking, United Checking for 55+, United Checking for Students, United Essential Banking) and five savings vehicles (United Money Market, United Savings, United Student Savings, United Treasure Chest Savings, and Certificates of Deposit). Lending products span consumer loans (personal loans, auto loans, HELOCs, HELoans) and mortgages (fixed/ARM, Jumbo, VA, PATH, Physician, Construction, Down Payment Assistance). Digital banking is delivered through a unified Online and Mobile Banking platform supplemented by modular features including Card Controls, Bill Pay, and My Money Manager. A co-branded Greenlight debit card for kids extends the family banking offering. Business banking includes Treasury Management and specialized business lending. Wealth management is offered as an advisory overlay to the core banking platform.

Differentiator

Problem solved

Functional benefit

Brands

• Greenlight: A debit card and financial education app for kids and teens, offered as a partnership with United Community Bank customers receiving free access to Greenlight SELECT plan.

Products and services

• Personal and Business Checking Accounts A tiered suite of checking accounts (United Checking, United Signature Checking, United Checking for 55+, United Checking for Students, United Essential Banking) plus business checking accounts offered to individuals, families, students, seniors, and businesses across the six-state footprint. Each tier carries a distinct minimum opening deposit, monthly service charge, and fee waiver thresholds (e.g., eStatements enrollment, direct deposit, combined balance or loans, or advisory relationship). Premium tiers include unlimited ATM fee refunds, exclusive checks, and free Greenlight SELECT.
• Savings and Money Market Accounts United Savings (basic savings), United Money Market (tiered interest rates), United Student Savings (ages up to 22), and United Treasure Chest Savings (children age 12 and under). Designed for emergency funds, goal-based saving, cash sweep, and youth financial literacy. Interest-bearing balances with limited free withdrawals per cycle and balance-based service charge waivers.
• Certificates of Deposit (CDs) Time deposit accounts offered in multiple terms (6-month at 3.65% APY, 14-month at 3.50% APY per the disclosed pricing) with $2,500 minimum opening deposit and daily interest compounding credited monthly. Available to retail and business customers seeking fixed-rate deposits.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity offered in first and second lien positions, with a 10-year draw period and 15-year repayment. Introductory rates as low as 5.50% APR for 12 months (first lien) before converting to a 6.75% variable rate, with second-lien pricing at 5.75% introductory / 7.00% variable. Rates vary by credit score, LTV, and lien position.
• Home Equity Loan (HELoan) Fixed-rate closed-end second mortgage using home equity as collateral. First-lien amounts from $10,000 to $75,000; second-lien amounts from $10,000 to $1.5 million; no application fee or annual fee. Offered to homeowners in the six-state footprint for one-time financing needs.
• Personal Loans and Lines of Credit Unsecured personal loans and fixed-rate personal lines of credit for debt consolidation, auto purchases, home improvements, and other personal financing needs, originated through local lenders in the six-state footprint.
• Auto Loans Vehicle financing for new and used cars, trucks, boats, and recreational vehicles, with competitive rates and flexible term options offered across the bank's Southeastern footprint.
• Residential Mortgage Loan Programs Comprehensive residential mortgage program including fixed and adjustable rate conventional mortgages, jumbo loans for higher-value properties, VA loans for veterans and surviving spouses with potential no down payment and no PMI, the proprietary PATH low down-payment program (up to 100% financing) for first-time and low-down-payment buyers, a Physician Mortgage for licensed physicians, fellows, interns, residents, and dentists (no down payment, no PMI), and construction-to-permanent home construction loans. Local underwriting and origination are delivered via the six-state footprint.
• Mastercard Debit Card Globally accepted Mastercard debit card issued with checking accounts, including Mastercard ID Theft Protection and Zero Liability Protection. Compatible with Apple Pay, Google Pay, Samsung Pay, Venmo, PayPal, and Click to Pay digital wallets.
• United Credit Cards Consumer and commercial credit card programs offered through United Community Bank, accepted wherever major card networks operate, with both personal and small-business card options including a Commercial Card product line.
• Online and Mobile Banking Platform Unified digital banking platform with online banking and the United Mobile App for iOS and Android, providing 24/7 account access, mobile check deposit, bill pay, account alerts, eStatements, transfers, Zelle peer-to-peer payments, card controls, and personal financial management tools. Online account opening is offered via open.ucbi.com across the consumer and small-business deposit product set.
• Business Lending and Commercial Loans Full commercial loan and line of credit suite for small and mid-sized businesses across the six-state footprint, including commercial real estate lending, construction and permanent financing, working capital lines of credit, SBA lending, USDA lending programs, equipment lending (historically through Navitas Credit), asset-based lending, and syndicated and participated loans. Loan origination is delivered through dedicated commercial relationship managers.
• Treasury Management Services Business cash management and payment services for commercial clients, including reporting and liquidity tools, ACH origination, wire transfers, Positive Pay fraud protection, Remote Deposit Capture, integrated payables, merchant services, accounts receivable and payable services, and commercial cards. Delivered through dedicated treasury management relationship teams across the Southeastern U.S. footprint.
• Community Association Banking Specialized banking services for homeowners associations, condominium associations, and community management companies, including deposit accounts and payment processing tailored to community association operations.
• Wealth Management and Advisory Services Investment management, financial planning, trustee services, retirement planning, and insurance delivered through United Community Advisors and a Private Wealth division, expanded by the 2021 acquisition of FinTrust Capital Partners, LLC. Targeted at high-net-worth individuals, families, and business owners across and beyond the six-state footprint.
• Greenlight Card for Kids and Teens Co-branded financial education app and Mastercard debit card for children and teens offered via United Community Bank in partnership with Greenlight. United customers receive free Greenlight SELECT plan access when linking their United account; parents can manage up to five kids with spending controls, chores, allowances, and FDIC-insured custodial balances up to $250,000.

Quantifiable outcome

• 12 times #1 in Customer Satisfaction (Southeast) in 17 years - JD Power
• +4 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• Peach State BancsharescoreStrategic or Co-development Partner · 21 April 2026Merger agreement for United Community Banks to acquire Peach State Bancshares, parent of Peach State Bank & Trust. Transaction valued at approximately $100.8 million in cash and stock. Peach State has $788 million in assets, $498 million in loans, $713 million in deposits across 2 branches. Expected to close Q3 2026, 3% accretive to EPS in 2027.
• First Miami Bancorp, Inc.coreStrategic or Co-development Partner · 1 July 2023Merger completed July 1, 2023. First Miami Bancorp merged into United Community Banks, with subsidiary First National Bank of South Miami ($945 million in assets) integrated into United's operations. Expands United's presence in Miami metropolitan area.
• Progress Financial CorporationcoreStrategic or Co-development Partner · 4 May 2022Merger agreement where United acquired Progress Financial Corporation in an all-stock transaction valued at approximately $271.5 million. Deal involved Progress operations in Alabama and Florida. Expected to complete in Q4 2022 and be accretive to United's earnings.
• Aquesta BankcoreStrategic or Co-development Partner · 27 May 2021United Community Bank announced acquisition of Aquesta Bank in a $131 million transaction. Deal intended to expand UCB's presence in North Carolina and other Southeastern markets. Completed in Q4 2021.
• FinTrust Capital PartnerscoreStrategic or Co-development Partner · 13 May 2021United Community Banks acquired FinTrust Capital Partners, LLC to expand advisory assets and product offerings. FinTrust became a subsidiary of UCB following regulatory approval.
• MastercardcoreTechnology or IntegrationMastercard partnership for debit card issuance. United Community debit cards include Mastercard benefits including ID Theft Protection, Zero Liability Protection, and global acceptance. Cards compatible with Apple Pay, Google Pay, Samsung Pay, and Click to Pay.

Scale indicators19 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Synovus Financial: Georgia-headquartered regional bank with comparable Southeast footprint across AL, FL, GA, NC, SC, TN. Similar mix of commercial, retail, and wealth management with overlapping customer base in Georgia and the Carolinas, making it one of UCB's closest direct competitors.
• Ameris Bancorp: Georgia-based regional bank with a similar Southeast branch footprint and comparable asset size. Competes directly in commercial banking, mortgage origination, and treasury management across many of the same metros.
• Pinnacle Financial Partners: Tennessee-headquartered regional bank operating across the Southeast with comparable relationship-banking model and SMB / commercial focus. Overlaps with UCB in Tennessee, the Carolinas, and other Southeastern growth markets.
• First Horizon Corporation: Memphis-based regional bank with strong Tennessee and broader Southeast presence. Similar commercial and consumer banking mix and competing directly with UCB in Tennessee and adjacent states.
• Cadence Bank: Southeast and Texas-focused regional bank of comparable size with similar commercial banking, treasury management, and retail offerings. Competes for SMB and middle-market relationships in overlapping Southeastern metros.
• Renasant Corporation: Mississippi-based regional bank with a Southeast-focused footprint and comparable asset size. Direct overlap in Mississippi, Alabama, Tennessee, and the Carolinas in commercial and retail banking.
• Atlantic Union Bankshares: Virginia-based regional commercial bank with comparable asset profile and similar commercial/retail banking model. Operates in adjacent Southeastern markets with overlapping competition for SMB and middle-market customers.
• TowneBank: Virginia and North Carolina-focused regional bank with similar relationship-driven commercial and retail banking model. Comparable size and Southeast orientation make it a relevant peer for franchise quality and growth comparison.

Broad incumbents

• Truist Financial Corporation: One of the largest U.S. super-regional banks and a dominant incumbent across the Southeast, particularly in North Carolina and Georgia. Offers a much broader product suite at greater scale, competing with UCB across retail, commercial, mortgage, and wealth.
• Bank of America: National banking giant with deep Southeast presence and significantly greater scale in retail deposits, cards, and treasury services. Competes with UCB for both consumer and SMB banking relationships across the six-state footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ucbi_cto
• YouTubeyoutube.com/channel/UCialrI_WTci-LSccpPvBiSA
• Facebookfacebook.com/unitedcommunitybank
• LinkedInlinkedin.com/company/united-community-bank
• Instagraminstagram.com/unitedcommunitybank

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A12 records

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Community Banks