Exhibit 99.2

8QLWHG&RPPXQLW\%DQN_ XFELFRP 3 Q26 Investor Presentation October 20, 2026

'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 usually may be identified through use of words such as “may,” “believe,” “expect,” “anticipate,” “intend,” “will,” “should,” “plan,” “estimate,” “predict,” “continue” and “potential” or the negative of these terms or other comparable terminology . Forward - looking statements are not historical facts and represent management’s beliefs, based upon information available at the time the statements are made, with regard to the matters addressed; they are not guarantees of future performance . Actual results may prove to be materially different from the results expressed or implied by the forward - looking statements . Forward - looking statements are subject to numerous assumptions, risks and uncertainties that change over time and could cause actual results or financial condition to differ materially from those expressed in or implied by such statements . Factors that could cause or contribute to such differences include, but are not limited to general competitive, economic, political, regulatory and market conditions . Further information regarding additional factors which could affect the forward - looking statements contained in this press release can be found in the cautionary language included under the headings “Cautionary Note Regarding Forward - Looking Statements” and “Risk Factors” in United’s Annual Report on Form 10 - K for the year ended December 31 , 2025 , and other documents subsequently filed by United with the United States Securities and Exchange Commission (“SEC”) . Many of these factors are beyond United’s ability to control or predict . If one or more events related to these or other risks or uncertainties materialize, or if the underlying assumptions prove to be incorrect, actual results may differ materially from the forward - looking statements . Accordingly, shareholders and investors should not place undue reliance on any such forward - looking statements . Any forward - looking statement speaks only as of the date of this communication, and United undertakes no obligation to update or revise any forward - looking statements, whether as a result of new information, future events or otherwise, except as required by law . New risks and uncertainties may emerge from time to time, and it is not possible for United to predict their occurrence or how they will affect United . United qualifies all forward - looking statements by these cautionary statements . NON - GAAP MEASURES This Investor Presentation includes financial information determined by methods other than in accordance with generally accepted accounting principles (“GAAP”) . This financial information includes certain operating performance measures, which exclude merger - related and other charges that are not considered part of recurring operations, such as "noninterest income – operating", “total revenue – operating", “ noninterest expense – operating,” “provision for credit losses – operating”, “operating net income,” “pre - tax, pre - provision income,” “operating net income per diluted common share,” “operating earnings per share,” “tangible book value per common share,” “operating return on common equity,” “operating return on tangible common equity,” “operating return on assets,” “return on assets - pre - tax pre - provision - operating,” “return on assets - pre - tax, pre - provision,” “operating efficiency ratio,” and “tangible common equity to tangible assets . ” These non - GAAP measures are included because United believes they may provide useful supplemental information for evaluating United’s underlying performance trends . Further, United’s management uses these measures in managing and evaluating United’s business and intends to refer to them in discussions about United’s operations and performance . These measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP, and are not necessarily comparable to non - GAAP measures that may be presented by other companies . To the extent applicable, reconciliations of these non - GAAP measures to the most directly comparable measures as reported in accordance with GAAP are included with the accompanying financial statement tables .

$28.9 BILLION IN TOTAL ASSETS United Community Banks, Inc. Note: See Glossary located at the end of this presentation for reference on certain acronyms (1) 3Q26 regulatory capital ratio is preliminary 3 8QLWHG%DQNLQJ2IILFHV Company Overview $24.9 BILLION IN TOTAL DEPOSITS $3.5 BILLION IN AUM 13.0% CET1 RBC (1) $19.0 BILLION IN TOTAL LOANS $0.26 QUARTERLY COMMON DIVIDEND 202 BANKING OFFICES ACROSS THE SOUTHEAST 0267$:$5'('%$1. LQWKH6RXWKHDVWUHJLRQIRUUHWDLO EDQNLQJFXVWRPHUVDWLVIDFWLRQ -'3RZHU BEST BANK AWARDS for outstanding performance in small business banking in 2026 - Coalition Greenwich BEST BANKS TO WORK FOR in 2025 for the ninth consecutive year - American Banker Premier Southeast Regional Bank – Committed to Service Since 1950 Metro - focused branch network with locations in the fastest - growing MSAs in the Southeast 191 branches, 11 LPOs, and 5 MLOs across six Southeast states; Top 10 deposit market share in GA and SC United MSAs had population growth 2x the national average over the past 5 years

4 Key Strategic Initiatives Executed 7KHVHDFWLRQVVWUHQJWKHQ8QLWHG ¶ VVWUDWHJLFSRVLWLRQIRUWKHIXWXUH ² ZLWKVWURQJDQG VXVWDLQDEOHHDUQLQJVKLJK TXDOLW\JURZWKDVWURQJFDSLWDOEDVHDQGDPSOHOLTXLGLW\ 7% premium to par; +145 bps CET1 capital Simplifies and de - risks the bank +41 net new revenue producers added since 3Q25 Deepens talent in the core franchise Peach State adds +$0.12 to 2027 EPS 1 Adds density to the footprint Executed $50 million in 3Q26 and $87 million year to date 2 5HWXUQV FDSLWDO WR VKDUHKROGHUV $2.5 billion securities sold and proceeds redeployed 3 Reduces interest rate risk, improves liquidity and earnings profile Portfolio Restructure Share Repurchases Small Bank Acquisitions Organic Growth Navitas Sale 3URMHFWHG(36DFFUHWLRQLQFOXGHVLPSDFWRI PPVKDUHUHSXUFKDVHVH[HFXWHGLQ 4 HIIHFWLYHO\FRQYHUWLQJ3HDFK6WDWHWRDQDOO FDVKWUDQVDFWLRQ %RDUGDSSURYHGLQFUHPHQWDO PLOOLRQVKDUHUHSXUFKDVHDXWKRUL]DWLRQWKURXJK\HDUHQG EULQJLQJFXUUHQWDXWKRUL]DWLRQWR PLOOLRQ 3URFHHGVRI ELOOLRQIURP1DYLWDVVDOHDQG ELOOLRQIURPVHFXULWLHVUHSRVLWLRQLQJUHGHSOR\HGLQSXUFKDVHVRI ELOOLRQLQFDVKDQGVHFXULWLHV \LHOGLQJa DQGUHSD\PHQWRI ELOOLRQRIERUURZLQJVZLWKDUDWHSDLGRIa

1.29% 1.63% - 1.89% 1.33% 1.22% 1.27% 3Q25 2Q26 3Q26 Return on Assets GAAP Operating ; $0.95 $(1.16) $0.75 $0.71 $0.77 3Q25 2Q26 3Q26 Diluted Earnings Per Share GAAP Operating $29.44 ϯϭϮ; $29.27 $21.59 $23.31 $20.80 3Q25 2Q26 3Q26 Book Value Per Share GAAP Tangible 1.01% Return on assets – operating (1) 3Q26 Highlights 6HHQRQ *$$3UHFRQFLOLDWLRQWDEOHVOLGHVLQWKHH[KLELWVWRWKLVSUHVHQWDWLRQIRUD UHFRQFLOLDWLRQRIRSHUDWLQJSHUIRUPDQFHPHDVXUHVWR*$$3SHUIRUPDQFH *$$3WRWDOUHYHQXHIRU 4 4 4 4 DQG 4 ZDV PLOOLRQ PLOOLRQ PLOOLRQ PLOOLRQDQG PLOOLRQUHVSHFWLYHO\ $277 $278 $271 $279 $292 3.58% 3.62% ϯϲϱ й 3.68% 3.68% 3Q25 4Q25 1Q26 2Q26 3Q26 Total Revenue – Operating (1)(2) Net Interest Income Noninterest Income NIM % 5 (1) (1) ($1.16) Diluted earnings per share – GAAP $0.77 Diluted earnings per share – operating ( 1) 3% Year - over - year improvement 5HWXUQRQDVVHWV ± *$$3 5HWXUQRQDVVHWV ± RSHUDWLQJ 1.69% Cost of deposits 28 bps Year - over - year improvement 27% DDA / total customer deposits (14.8%) Return on common equity – GAAP 13.9% Return on tangible common equity – operating (1) $20.80 TBV per share (1) 8% Year - over - year net interest revenue growth 3.68% Net interest margin 10 bps Year - over - year improvement (1) 3Q26 Non - Operating Items: $62 million Pre - tax gain on sale of Navitas $366 million Pre - tax loss on securities portfolio repositioning $6.5 million Merger - related and other charges 3Q26 GAAP results were impacted by strategic actions taken in the quarter, including Navitas sale and securities portfolio repositioning

7% ϭ й 1% 39% 27% 17% 8% C&I Commercial Construction &5( Other Consumer Residential Mortgage Home Equity Residential Construction $19,933 $520 $444 $18,988 2Q26 Loans Navitas Sale Peach State Core Growth 3Q26 Loans Strong Core Loan Growth Core loan growth 2 of $444 million, or 10% annualized, from 2Q26 3Q26 loan production of >$1 billion, for the second consecutive quarter Strong loan growth in targeted segments Core C&I growth 2 was 13% annualized in 3Q26, including: Owner Occupied CRE growth 2 of $129 million, or 12% annualized All Other C&I growth 2 of $97 million, or 14% annualized Core HELOC growth 2 of $67 million, or 19% annualized, in 3Q26 New revenue producers contributed approximately $170 million of funded loan growth in 3Q26, up from ~$30 million in 2Q26 September loan yield of 5.83%, down from 3Q26 average of 6.06%, reflecting the absence of Navitas 77% loan to core deposit ratio following Navitas sale provides strategic flexibility and opportunity to progressively redeploy liquidity into organic loan growth over time 6 3Q26 Total Loans $19.0 Billion $ in millions ,QFOXGHVERWKORDQVKHOGIRULQYHVWPHQWDQGHTXLSPHQWILQDQFHORDQVKHOGIRUVDOH &RUHORDQJURZWKH[FOXGHVWKHLPSDFWVRIWKH1DYLWDVVDOHDQGWKH3HDFK6WDWHDFTXLVLWLRQERWKRIZKLFKFORVHGLQ 4 & ,LQFOXGHV&RPPHUFLDO ,QGXVWULDODQG2ZQHU2FFXSLHG&5( (1) +10% Strategic Actions (3) EB1

49% 49% 49% ϰϵ й 48% 38% 37% 37% 38% 40% 1% ϭ й 1% 1% 1% 12% 13% 13% 12% ϭϮ й $24,021 $23,798 $24,025 $23,724 $24,888 3Q25 4Q25 1Q26 2Q26 3Q26 Consumer Commercial Brokered Public Funds Outstanding Deposit Franchise Non - Interest Bearing Deposits Stable at 27% of Total Customer Deposits 1 On an end - of - period basis, customer deposits increased by $1.2 billion from 2Q26, driven by Peach State acquisition and solid core growth Customer deposits ex. Peach State grew $473 million or 8.0% annualized from 2Q26 Public funds of $2.9 billion were flat from 2Q26 Non - interest bearing deposits stable at 27% of total customer deposits 3Q26 average total deposit cost was 1.69%, up 3 bps from 2Q26 September period end total deposit cost was 1.71% 3Q26 average interest bearing deposit cost was 2.31%, up 4 bps from 2Q26 15% of deposits are indexed, primarily in ICS 2 product Anticipate seasonal inflow of public funds in 4Q26 in the $325 - 375 million range Deposit Mix 27% 26% 27% 27% 27% Ϯϱ й 25% 25% 24% 23% 33% 33% 33% ϯϯ й 34% 15% 15% 15% 16% 15% 3Q25 4Q25 1Q26 2Q26 3Q26 Non-interest bearing demand Interest bearing demand MM & savings Time (1) Customer deposits, exclusive of brokered deposits (2) Insured cash sweep product LQPLOOLRQV

$2,274 $2,237 $2,212 $2,179 ϯ͕ϴϴϵ $3,751 $3,678 $4,198 $6,641 $6,163 $5,988 $5,889 ϲ͕ϯ;; $6,641 3.27% 3.11% 2.97% 2.97% 3.34% 3Q25 4Q25 1Q26 2Q26 3Q26 HTM Securities AFS Securities Yield Investment Securities $2.2 billion in HTM securities reclassified to AFS designation and $2.5 billion in low - yielding, long - duration securities subsequently sold in 3Q26, resulting in a $366 million pre - tax loss Proceeds from securities repositioning and Navitas transaction reinvested into highly liquid, short - duration securities yielding ~4.6% Average securities yield of 3.34% for 3Q26, up 37 bps from 2Q26, primarily due to portfolio repositioning End of period securities yield of 4.21% Full quarter benefit of securities repositioning expected to be realized in 4Q26 Current portfolio duration of 2.0 years, down from 3.2 years in 2Q26 Projected 2027 quarterly reinvestment cash flow of ~$340 million, up more than 40% from $240 million prior to restructuring Floating rate securities comprise ~45% of the portfolio in 3Q26 $ in millions Securities Portfolio and Yield Agency RMBS 30% Treasuries 23% Agency CMBS 20% Other 12% 86*RYPW $JHQFLHV ABS 5% (1) (1) Trading securities included in AFS securities presentation in 2026 (2) Other includes CLOs (5%), Municipals (3%), Non - Agency RMBS (3%), and Corporates (1%) 3Q26 Portfolio Composition (1) (1) $6.6 billion ; Ϯ Ϳ

$233.6 $237.9 ϮϯϮϴ $240.9 $251.2 3.58% 3.62% 3.65% 3.68% 3.68% $100.0 $120.0 $140.0 $160.0 $180.0 $200.0 $220.0 $240.0 $260.0 3.00% 3.10% 3.20% 3.30% 3.40% 3.50% 3.60% 3.70% 3.80% 3Q25 4Q25 1Q26 2Q26 3Q26 Net Interest Revenue Net Interest Margin 1HW,QWHUHVW0DUJLQ6WDEOH)ROORZLQJ6L[&RQVHFXWLYH4XDUWHUVRI([SDQVLRQ Net interest revenue increased $10.3 million from 2Q26 primarily due to Peach State, core growth, the net effect of the portfolio restructuring, higher interest rates, and day count, partially offset by the impact of the Navitas sale Net interest margin of 3.68% was stable from 2Q26, as higher securities yields following the 3Q26 portfolio repositioning largely offset lower loan yields following the Navitas sale Purchased loan accretion totaled $3.8 million and contributed 5 bps to the margin, flat from 2Q26 Loan yield of 6.06% was up 3 bps from 2Q26 Well - positioned for higher - for - longer rate environment Approximately 50% of loans and securities are floating Incremental benefit expected from ongoing back book repricing of fixed assets Net Interest Revenue / Margin (1) Yields & Costs 6.21% 6.05% 5.99% ϲϯ й 6.06% 3.58% 3.62% 3.65% 3.68% 3.68% 3.27% ϯϭϭ й 2.97% 2.97% 3.34% 2.69% 2.39% 2.30% 2.32% Ϯϯϴ й 3Q25 4Q25 1Q26 2Q26 3Q26 Loan Yield NIM Securities Yield Cost of IBL (1) Net interest margin is calculated on a fully taxable equivalent basis (1) 9 $ in millions

$11.4 ϭ; $9.5 $10.4 $11.6 $7.1 $6.5 $6.9 $5.9 ϱϴ $4.8 $5.2 $4.6 $4.9 $4.9 $2.4 $2.1 ϭϵ $0.9 $1.0 $17.6 $15.9 $15.6 $16.2 $17.4 3Q25 4Q25 1Q26 2Q26 3Q26 Service Charges Mortgage Brokerage / Wealth Mgmt Loan Sale Gains Other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oninterest Income - Operating $ in millions $40.7 $43.2 $40.5 $38.6 0RUWJDJHLQFRPHSUHVHQWDWLRQDERYHLQFOXGHVDQHJDWLYH PLOOLRQPDUNRQWUDGLQJVHFXULWLHVSXUFKDVHGDVDQHFRQRPLFKHGJHWRRIIVHW YRODWLOLW\LQWKH065DVVHW7KHPDUNRQWKH065DVVHWLQ 4 ZDVDSRVLWLYH PLOOLRQ,Q*$$3ILQDQFLDOVWDWHPHQWVWKHHFRQRPLFKHGJHLV UHIOHFWHGLQ2WKHU,QFRPHUDWKHUWKDQLQ0RUWJDJH 6HHQRQ *$$3UHFRQFLOLDWLRQWDEOHVOLGHVLQWKHH[KLELWVWRWKLVSUHVHQWDWLRQIRUDUHFRQFLOLDWLRQRIRSHUDWLQJSHUIRUPDQFHPH DVXUHVWR*$$3 SHUIRUPDQFH (1,2) (1,2) $38.4 (1)

$150.9 $152.0 $157.3 $159.9 ϭϲϮϮ $147.4 $151.4 $151.6 $159.0 $155.7 3Q25 4Q25 1Q26 2Q26 3Q26 GAAP Operating Noninterest Expense Efficiency Ratio EŽŶŝŶƚĞƌĞƐƚdžƉĞŶƐĞ 54.3% 54.4% 56.7% 57.0% 53.1% 54.2% 55.7% ϱϲ; й 53.1% 3Q25 4Q25 1Q26 2Q26 3Q26 GAAP Operating Linked Quarter GAAP noninterest expense increased $2.3 million compared to the prior quarter GAAP results impacted by the following items: 3Q26: $6.5 million merger - related and other charges 2Q26: $4.5 million expense, largely driven by the Navitas California license settlement Operating noninterest expense decreased $3.3 million compared to the prior quarter, primarily driven by the Navitas license settlement expense incurred in the prior quarter 3Q26 included two months, or $6 million, of Navitas operating expense prior to the sale, which closed on September 1 3Q26 included two months, or $2 million, of Peach State operating expense following the August 1 acquisition Year - over - Year GAAP noninterest expense increased $11.4 million year over year +41 net new revenue producers since 3Q25, an 18% expansion Operating noninterest expense increased $8.3 million year over year including: Compensation expense, up $5.8 million, driven by strategic hiring, annual merit increases, and group medical expense 3Q26 operating efficiency ratio of 53.1%, stable from 3Q25 11 (1) See non - GAAP reconciliation table slides in the exhibits to this presentation for a reconciliation of operating performance meas ures to GAAP performance (2) GAAP efficiency ratio not meaningful in 3Q26 due to the impact of securities portfolio repositioning (1) $ in millions (1) 3Q26 GAAP Efficiency Ratio Not Meaningful 2

3Q26 net charge - offs of $4.0 million, or 0.09% of average loans, $3.9 million improved from 2Q26 Nonperforming assets were 0.43% of total loans, 9 bps improved from 2Q26 Past due loans improved $9.8 million during the quarter and were 0.07% of total loans, down 4 bps from 2Q26 Higher - risk loans, defined as special mention plus substandard accruing, were 3.2%, in line with recent trends Construction and CRE ratios as a percentage of total RBC were 54% and 222%, respectively Credit Quality EĞƚŚĂƌŐĞ Ͳ KĨĨƐĂƐйŽĨǀĞƌĂŐĞ>ŽĂŶƐ Nonperforming Assets & Past Due Loans as a % of Total Loans 0.64% 0.51% 0.44% 0.51% 0.48% 0.50% ϱϮ й 0.43% 0.17% 0.21% 0.14% 0.23% 0.23% 0.14% ϭϭ й 0.07% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 NPAs (%) Past Dues (%) 1.8% 1.9% 1.8% 1.5% 1.3% 1.3% ϭϮ й 1.5% 1.4% 1.2% 1.4% 1.5% 1.8% 1.6% ϭϯ й 1.7% 3.2% 3.1% 3.1% 3.1% 3.2% 2.9% Ϯϱ й 3.2% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Substandard Accruing (%) Special Mention (%) Special Mention & Substandard Accruing Loans as a % of Total Loans 12 0.21% 0.21% 0.18% 0.16% ϯϰ й 0.22% 0.16% 0.09% 0.08% 0.11% 0.08% 0.05% Ϯϲ й 0.10% 0.09% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 United United Excl. Navitas Navitas Sale

Allowance for Credit Losses Allowance for Credit Losses (ACL) by Product Allowance for Credit Losses (ACL) Operating provision of $10.0 million, up $1.3 million from 2Q26, comprised of: $4.0 million net charge - offs $4.6 million funded loan growth $0.8 million Peach State initial unfunded $0.6 million unfunded loan growth Allowance coverage of 1.05%, relatively flat from prior quarter $216 $210 $208 $169 $179 $12 $15 $18 $20 $21 1.19% 1.16% 1.15% 1.04% 1.05% 0.65% 0.75% 0.85% 0.95% 1.05% 1.15% 1.25% 1.35% 1.45% 1.55% $50 $70 $90 $110 $130 $150 $170 $190 $210 $230 3Q25 4Q25 1Q26 2Q26 3Q26 ACL - Loans ACL - Unfunded ACL - Allowance for Credit Losses / Loans % 13 $ in millions 4 2Q26 3Q25 ACL / Loans Reserve Amount ACL / Loans Reserve Amount ACL / Loans Reserve Amount $ in thousands 0.76% $33,121 0.66% $27,207 0.56% $20,659 Owner Occupied CRE 0.78% 40,627 0.75% 37,449 1.02% 46,211 Income Producing CRE 1.54% 45,894 1.70% 48,724 1.72% 44,481 Commercial & Industrial 1.14% 15,490 1.08% 12,291 0.80% 13,841 Commercial Construction -- -- -- -- 2.49% 45,104 Equipment Financing (1) 0.84% 26,818 0.87% 26,898 0.98% 31,273 Residential Mortgage 0.89% 13,371 0.90% 12,573 0.91% 11,356 Home Equity 1.05% 2,212 1.07% 2,081 0.99% 1,767 Residential Construction 0.83% 1,610 0.77% 1,482 0.57% 1,099 Consumer 0.94% 179,143 0.94% 168,705 1.13% 215,791 ACL - Funded Loans 21,094 19,624 12,485 ACL - Unfunded Loans 1.05% $200,237 1.04% $188,329 1.19% $228,276 ACL - Total (1) Substantially all equipment financing loans were transferred to held for sale in 2Q26 as a result of the then - pending sale of Na vitas Credit Corp. The remaining $35.9 million of equipment financing loans to be retained were reclassified to the commercial & industrial line as equ ipment financing no longer represents a significant held - for - investment category as of June 30, 2026.

80% 82% 82% 85% 77% 91% 3Q25 4Q25 1Q26 2Q26 3Q26 United KRX Peer Median Substantial balance sheet liquidity, with strong regulatory capital and tangible common equity ratios Loan to core deposit ratio decreased to 77%, down from 2Q26, driven by completion of Navitas sale, partially offset by Peach State acquisition and strong core loan growth Substantially all bank funding comes from core deposit base Transaction proceeds partially deployed in repayment of ~$1 billion in short - term borrowings TCE of 9.0%, down from 2Q26 primarily due to the previously announced securities repositioning and the impact of higher rates in 3Q26 9.7% 9.9% 9.9% 9.9% 9.0% 8.9% 3Q25 4Q25 1Q26 2Q26 3Q26 United KRX Peer Median Loans / Core Deposits % Tangible Common Equity / Tangible Assets % Common Equity Tier 1 RBC % 1 13.4% 13.4% 13.4% 13.5% 13.0% 12.3% 3Q25 4Q25 1Q26 2Q26 3Q26 United KRX Peer Median Balance Sheet Strength – Liquidity and Capital 14 (1) 3Q26 regulatory capital ratio is preliminary

15 Risk - Based Capital Ratios Tangible Book Value Per Share Q3 Actions Quarterly common dividend of $0.26 per share, up 4% vs. prior year Executed $50 million of share repurchases in 3Q26, effectively converting Peach State acquisition to an all - cash transaction Board approved incremental $100 million share repurchase authorization through year end 2027, bringing current outstanding authorization to $113 million x Capital Ratios TBV per share decreased in the quarter, primarily due to strategic actions 2 executed in 3Q26 that simplify the balance sheet, reduce risk, and improve future performance CET1 of 13.0% remains well above peers but is down from 13.5% in 2Q26 due to the impact of strategic actions 2 and robust loan growth in 3Q26 Leverage ratio decreased 117 bps to 9.5%, as compared to 2Q26 13.4% 13.4% 13.4% 13.5% 12.3% 13.0% 0.6% 1.4% 1.3% 1.2% 1.0% 1.8% 1.1% 14.8% 14.8% 14.6% 14.5% 14.7% 14.1% 3Q25 4Q25 1Q26 2Q26 2Q26 KRX Peer Median 3Q26 CET1 Additional Tier 1 Tier 2 Capital Ratios $20.80 $23.31 ( $2.50 ) $0.77 ( $0.26 ) ( $0.55 ) $0.03 2Q26 TBV Strategic Actions Operating Earnings Dividends Change in AOCI Other 3Q26 TBV (1) 3Q26 regulatory capital ratios are preliminary (2) Strategic actions include the previously disclosed impacts of the Navitas sale, securities portfolio restructuring, Peach St ate acquisition, and common share repurchases executed in 3Q26 (2) (1) EB1

Successful Completion of Strategic Transformation Drives Improved Profitability 16 (1) 2Q26 Operating EPS ($0.71) has been adjusted for California license settlement item ($0.03) (2) 4Q26 outlook reflects full - quarter impacts of Peach State acquisition, Navitas sale, and securities portfolio repositioning and assumes a 25 bp rate hike in December 2026 $0.74 ($0.07) $0.06 $0.02 $0.02 $0.77 Baseline Operating EPS Navitas Sale Portfolio Restructure Peach State Acquisition Core Bank Growth 3Q26 Operating EPS PPNR Other 4Q26 EPS Guide 1 EPS Walkforward $0.80 - $0.83 $0.01 - $0.02 Mid 3.70%s 4Q26 NIM Outlook De - Risk Balance Sheet Enhance Profitability Position for Future Growth United is well - positioned for future success — with strong and sustainable earnings, high - quality growth, a strong capital base, and ample liquidity $0.02 - $0.04

0HPEHU)',& 8QLWHG&RPPXQLW\%DQN_ XFELFRP 3Q26 INVESTOR PRESENTATION Exhibits

&XOWXUDO)RXQGDWLRQVRI8QLWHG&RPPXQLW\ 18 Our Story Founded 76 years ago as Union County Bank, United Community has stayed true to its roots by prioritizing service. We continue to embrace our small - town, personal touch while offering a comprehensive range of personal and business banking services. Team We play to win together as a team Truth We want to see things as they are, not as we want them to be Trust We trust in people Caring We treat our customers, and each other, the way that we would want to be treated %HVW%DQNWR:RUN ) RU LQ IRUWKH WK FRQVHFXWLYH\HDU Most Awarded Bank in the Southeast Region for Retail Banking Customer Satisfaction Best Bank Awards for outstanding small business banking in 2026 To Be a Legendary Bank Our Vision Our Core Values Our Accolades Our Purpose 7R%XLOG&RPPXQLWLHV

Average Deposit Costs 19 3Q26 2Q26 1Q26 4Q25 3Q25 $ in billions; rates annualized Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance Average Rate Average Balance N/A $6.6 N/A $6.4 N/A $6.3 N/A $6.4 N/A $6.4 DDA 1.95% $5.7 1.96% $5.8 1.95% $5.9 2.08% $6.1 2.39% $5.8 NOW 2.50% $7.3 2.43% $6.8 2.42% $6.8 2.51% $7.0 2.91% $6.9 MMDA 0.18% $1.1 0.18% $1.1 0.18% $1.1 0.18% $1.1 0.23% $1.1 Savings 3.10% $3.7 3.06% $3.7 3.14% $3.7 3.29% $3.7 3.43% $3.7 Time 2.31% $17.8 2.27% $17.3 2.27% $17.5 2.39% $17.8 2.68% $17.5 Total Interest - Bearing 1.69% $24.4 1.66% $23.8 1.67% $23.7 1.76% $24.2 1.97% $23.9 Total Deposits

5DWHORFNVZHUH PLOOLRQGRZQ PLOOLRQIURP 4 DQG GRZQ PLOOLRQIURP 4 6ROG PLOOLRQRIORDQVLQ 4 GRZQ PLOOLRQIURP 4 DQGGRZQ PLOOLRQIURP 4 RIORFNHGORDQVZHUHIL[HG UDWHPRUWJDJHVZKLFKZHUH HLWKHUVROGLQ 4 RUDUHFRQWHPSODWHGWREHVROGRQFHFORVHG Mortgage Locks & Sales Mortgage Funded Volume Mortgage Activity Trends $377 $319 $408 $368 ϯϮϰ $175 $171 $175 $189 $168 2.6% 2.9% Ϯϯ й 2.6% 2.6% 3Q25 4Q25 1Q26 2Q26 3Q26 Mortgage Locks $ Loans Sold $ Gain on Sale % $185 $181 $179 $206 $164 ϵ; $80 $72 $85 $85 3Q25 4Q25 1Q26 2Q26 3Q26 HFS Funded $ HFI Funded $ 20 At 84% of funded volume, purchases remained the primary driver of mortgage activity $ in millions LQPLOOLRQV

Navitas Selected GAAP Financial Information 21 1RWHWKDW 4 2WKHU1RQ ,QWHUHVW([SHQVHLQFOXGHV1DYLWDV&DOLIRUQLDOLFHQVHVHWWOHPHQWDQGDVVRFLDWHGOHJDOIHHV Through 9/1/26 2Q26 1Q26 FY 2025 $ in millions Key Portfolio Data $1,952 $1,945 $1,897 $1,848 Loans & Leases 191 167 180 194 Loans & Leases – Serviced for Others $2,143 $2,112 $2,077 $2,042 Managed Loans & Leases, Ending Balance Income Statement 31 $40 $39 $148 Loan Interest Income 3 4 4 18 Non - Interest Income $34 $44 $43 $166 Gross Revenue -- ($38) $3 $19 Provision Expense / (Release) 3 5 5 18 Salaries Expense 3 7 4 14 Other Non - Interest Expense (1) $6 $12 $9 $32 Total Non - Interest Expense $3 $4 $6 $21 Reference: Net Charge - Offs

(1) Includes MSAs with a population greater than 1,000,000 (2) Includes MSAs with a population between 500,000 and 1,000,000 Footprint Focused on High - Growth Southeast MSAs 22 22.3% ϴϰ й 5.9% 4.7% 3.9% 3.4% 2.8% 2.1% 2.1% Ϯ й Atlanta, GA Greenville, SC Nashville, TN Miami, FL Raleigh, NC Gainesville, GA Knoxville, TN KƌůĂŶĚŽ͕&> Rome, GA Myrtle Beach, SC Top 10 MSAs - % of Total Deposits UCB's % of Total Deposits ’26 – ’31 Proj. Pop. Growth % ’26 – ’31 Proj. HHI. Growth % 1) Jacksonville, FL 0.78% 8.79 9.73 2) Orlando, FL 2.11% 8.32 14.57 3) Raleigh, NC 3.92% 8.28 13.27 4) Charlotte, NC 1.72% 7.18 13.18 5) Tampa, FL 0.09% 6.74 14.76 6) Greenville, SC 8.44% 6.65 14.29 7) Nashville, TN 4.67% 5.72 14.70 8) Miami, FL 5.90% 5.67 17.49 9) Atlanta, GA 22.30% 4.21 11.42 10) Richmond, VA -- 3.99 11.92 11) Washington, DC -- 2.80 8.79 12) Louisville, KY -- 2.61 11.07 Fastest Growing Major Southeast MSAs (1) United MSA Presence UCBI's % of Total Deposits ’26 – ’31 Proj. Pop. Growth % ’26 – ’31 Proj. HHI. Growth % 1) Winter Haven, FL -- 10.89 16.49 2) Port St. Lucie, FL 0.16% 10.15 16.41 3) Sarasota, FL 0.15% 9.84 13.25 4) Daytona Beach, FL -- 8.49 14.36 5) Fort Myers, FL -- 8.45 13.51 6) Melbourne, FL 0.16% 7.93 13.21 7) Huntsville, AL 1.29% 7.91 8.85 8) Fayetteville, AR -- 7.73 12.74 9) Charleston, SC 1.25% 7.48 13.25 10) Pensacola, FL -- 7.10 14.38 11) Durham, NC -- 5.11 12.79 12) Columbia, SC 0.22% 4.81 11.86 13) Knoxville, TN 2.77% 4.76 13.09 14) Winston-Salem, NC 0.00% 4.17 10.64 15) Chattanooga, TN 0.21% 3.75 10.20 Fastest Growing Mid-Sized Southeast MSAs (2)

Non - GAAP Reconciliation Tables 23 3Q25 4Q25 1Q26 2Q26 3Q26 Noninterest Income Noninterest income - GAAP 43,219$ 40,462$ 43,746$ 38,380$ (263,172)$ Loss on securities portfolio repositioning - - - - 366,101 Gain on sale of Navitas - - - - (62,230) Gain on terminated cash flow hedge - - (5,184) - - Noninterest income - operating 43,219$ 40,462$ 38,562$ 38,380$ 40,699$ Total Revenue Total revenue - GAAP 276,848$ 278,388$ 276,510$ 279,280$ (11,966)$ Loss on securities portfolio repositioning - - - - 366,101 Gain on sale of Navitas - - - - (62,230) Gain on terminated cash flow hedge - - (5,184) - - Total revenue - operating 276,848$ 278,388$ 271,326$ 279,280$ 291,905$ Provision for Credit Losses Provision for credit losses - GAAP 7,907$ 13,662$ 10,853$ (29,803)$ 10,013$ Release of ACL on equipment finance loans - - - 38,477 - Provision for credit losses - operating 7,907$ 13,662$ 10,853$ 8,674$ 10,013$ Noninterest Expense Noninterest expense - GAAP 150,868$ 152,048$ 157,302$ 159,915$ 162,241$ Payroll transition bonus - - (6,704) - - FDIC special assessment accrual reversal - - 1,885 - - Merger-related and other charges (3,468) (606) (873) (895) (6,509) Expenses - operating 147,400$ 151,442$ 151,610$ 159,020$ 155,732$ Diluted Earnings Per Share Diluted earnings per share - GAAP 0.70$ 0.70$ 0.69$ 0.95$ (1.16)$ Loss on securities portfolio repositioning - - - - 2.28 Gain on sale of Navitas - - - - (0.39) Payroll transition bonus - - 0.04 - - Gain on terminated cash flow hedge - - (0.03) - - FDIC special assessment accrual reversal - - (0.01) - - Release of ACL on equipment finance loans - - - (0.25) - Merger-related and other charges 0.02 0.01 0.01 0.01 0.04 Deemed dividend on preferred stock redemption 0.03 - - - - Diluted earnings per share - operating 0.75$ 0.71$ 0.70$ 0.71$ 0.77$ Book Value Per Common Share Book value per common share - GAAP 29.44$ 30.17$ 30.54$ 31.27$ 29.27$ Effect of goodwill and other intangibles (7.85) (7.93) (7.98) (7.96) (8.47) Tangible book value per common share 21.59$ 22.24$ 22.56$ 23.31$ 20.80$ $ in thousands, except per share data

1RQ *$$35HFRQFLOLDWLRQ7DEOHV 24 3Q25 4Q25 1Q26 2Q26 3Q26 Return on Tangible Common Equity Return on common equity - GAAP 9.20 % 9.48 % 9.35 % 12.56 % (14.84) % Loss on securities portfolio repositioning - - - - 29.30 Gain on sale of Navitas - - - - (5.03) Payroll transition bonus - - 0.58 - - Gain on terminated cash flow hedge - - (0.45) - - FDIC special assessment accrual reversal - - (0.16) - - Release of ACL on equipment finance loans - - - (3.25) - Merger-related and other charges 0.29 0.05 0.07 0.08 0.53 Deemed dividend on preferred stock redemption 0.34 - - - - Return on common equity - operating 9.83 9.53 9.39 9.39 9.95 Effect of goodwill and intangibles 3.73 3.78 3.66 3.59 3.95 Return on tangible common equity - operating 13.56 % 13.31 % 13.05 % 12.98 % 13.90 % Return on Assets Return on assets - GAAP 1.29 % 1.21 % 1.22 % 1.63 % (1.89) % Loss on securities portfolio repositioning - - - - 3.73 Gain on sale of Navitas - - - - (0.64) Payroll transition bonus - - 0.07 - - Gain on terminated cash flow hedge - - (0.06) - - FDIC special assessment accrual reversal - - (0.02) - - Release of ACL on equipment finance loans - - - (0.42) - Merger-related and other charges 0.04 0.01 0.01 0.01 0.07 Return on assets - operating 1.33 % 1.22 % 1.22 % 1.22 % 1.27 % Efficiency Ratio Efficiency ratio - GAAP 54.30 % 54.40 % 56.66 % 57.01 % N.M. % Loss on securities portfolio repositioning - - - - N.M. Gain on sale of Navitas - - - - N.M. Payroll transition bonus - - (2.41) - - Gain on terminated cash flow hedge - - 1.03 - - FDIC special assessment accrual reversal - - 0.68 - - Merger-related and other charges (1.25) (0.21) (0.31) (0.32) (2.22) Efficiency ratio - operating 53.05 % 54.19 % 55.65 % 56.69 % 53.11 % Tangible Common Equity to Tangible Assets Equity to assets ratio - GAAP 12.78 % 12.99 % 12.97 % 12.89 % 12.14 % Effect of goodwill and intangibles (3.07) (3.07) (3.05) (2.95) (3.19) Tangible common equity to tangible assets 9.71 % 9.92 % 9.92 % 9.94 % 8.95 % $ in thousands, except per share data

Glossary ACL – Allowance for Credit Losses LPO – Loan Production Office AFS – Available For Sale Securities MH – Manufactured Housing ALLL – Allowance for Loan Losses MLO – Mortgage Loan Office AOCI – Accumulated Other Comprehensive Income (Loss) MMDA – Money Market Deposit Account AUM – Assets Under Management MTM – Marked-to-Market BPS – Basis Points MSA – Metropolitan Statistical Area C&I – Commercial and Industrial MSR – Mortgage Servicing Rights Asset C&D – Construction and Development NCO – Net Charge-Offs CECL – Current Expected Credit Losses NIM – Net Interest Margin CET1 – Common Equity Tier 1 Capital NOW – Negotiable Order of Withdrawal CRE – Commercial Real Estate NPA – Non-Performing Asset DDA – Demand Deposit Account OO CRE – Owner Occupied Commercial Real Estate EOP – End of Period PCD – Loans Purchased with Credit Deterioration EPS – Earnings Per Share PTPP – Pre-Tax, Pre-Provision Earnings FTE – Fully-Taxable Equivalent RBC – Risk Based Capital GAAP – Accounting Principles Generally Accepted in the USA ROA – Return on Assets HELOC – Home Equity Line of Credit SBA – United States Small Business Administration HTM – Held to Maturity Securities TCE – Tangible Common Equity IBL – Interest-Bearing Liabilities USDA – United States Department of Agriculture KRX – KBW Nasdaq Regional Banking Index YOY – Year over Year 25