# UNITED COMMUNITY BANKS INC

Summary updated: 2026-10-02T13:39:19.840446Z
Canonical: https://finbar.com/research/companies/united-community-banks-inc

## Overview

United Community Banks, Inc. is a financial holding company whose banking subsidiary provides a range of financial services, including banking, mortgage, and wealth-management services. Its lending and finance activities include SBA/USDA lending and equipment finance, with those activities conducted nationally. [1](https://app.finbar.com/go?id=P93703227)[2](https://ir.ucbi.com/) The company describes its mission as improving the financial health of the areas it serves. [3](https://www.ucbi.com/getcontentasset/fc4e3f73-09f7-4909-8e45-6a5d6f2968d1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/2025-united-community-bank-foundation-impact-report.pdf)

Its community banking footprint spans Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. As of June 30, 2026, the company reported $29.1 billion in assets and 200 offices; at December 31, 2025, it reported 3,070 full-time-equivalent employees. [2](https://ir.ucbi.com/) [4](https://ir.ucbi.com/financial-information/quarterly-results) For FY2025, the company reported revenue of more than $1 billion, up 12% year over year. [2](https://ir.ucbi.com/)
[1](https://app.finbar.com/go?id=P93703227)[2](https://ir.ucbi.com/)[3](https://www.ucbi.com/getcontentasset/fc4e3f73-09f7-4909-8e45-6a5d6f2968d1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/2025-united-community-bank-foundation-impact-report.pdf)[4](https://ir.ucbi.com/financial-information/quarterly-results)[2](https://ir.ucbi.com/)[3](https://www.ucbi.com/getcontentasset/fc4e3f73-09f7-4909-8e45-6a5d6f2968d1/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/2025-united-community-bank-foundation-impact-report.pdf)[4](https://ir.ucbi.com/financial-information/quarterly-results)

## Products & services

United Community Bank offers personal checking accounts—including Standard, Signature, 55+, Student, and Essential—as well as savings accounts, certificates of deposit, and money-market accounts. Consumer borrowing products include personal loans and lines of credit, auto loans, mortgages, and home-equity lines of credit; credit cards are issued through Elan Financial Services. [5](https://www.ucbi.com/personal-banking/checking) [6](https://www.ucbi.com/personal-banking/savings) [7](https://www.ucbi.com/personal-banking/borrowing) [8](https://www.ucbi.com/personal-banking/credit-cards)

Business products include checking and savings accounts, money-market accounts, loans and lines of credit, including working-capital, commercial real-estate, SBA, and equipment financing. Treasury and digital banking capabilities include account reporting, ACH origination, wire transfers, receivables and payables services, fraud controls, bill payment, transfers, alerts, and—in eligible packages—reconciliation and Positive Pay. Personal online and mobile banking offers mobile check deposit and bill pay, while Zelle supports sending and receiving money using a U.S. mobile number or email address. [9](https://www.ucbi.com/united-community-business-banking) [10](https://www.ucbi.com/business-banking/lending) [11](https://www.ucbi.com/business-banking/industry-specialized/equipment-lending) [12](https://www.ucbi.com/business-banking/treasury-management) [13](https://www.ucbi.com/business-banking/digital-banking) [14](https://www.ucbi.com/personal-banking/digital-banking) [15](https://www.ucbi.com/zelle)

Wealth-related services include investment management, financial planning, insurance, estate planning, private banking, and fiduciary services. In its 2025 year-end loan portfolio, commercial real estate (owner-occupied and income-producing) represented 46% of loans, commercial and industrial 14%, and equipment financing 10%; the filing reported no product-by-product revenue split. [16](https://www.ucbi.com/wealth) [17](https://www.ucbi.com/private-wealth) [18](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm)
[5](https://www.ucbi.com/personal-banking/checking)[6](https://www.ucbi.com/personal-banking/savings)[7](https://www.ucbi.com/personal-banking/borrowing)[8](https://www.ucbi.com/personal-banking/credit-cards)[9](https://www.ucbi.com/united-community-business-banking)[10](https://www.ucbi.com/business-banking/lending)[11](https://www.ucbi.com/business-banking/industry-specialized/equipment-lending)[12](https://www.ucbi.com/business-banking/treasury-management)[13](https://www.ucbi.com/business-banking/digital-banking)[14](https://www.ucbi.com/personal-banking/digital-banking)[15](https://www.ucbi.com/zelle)[16](https://www.ucbi.com/wealth)[17](https://www.ucbi.com/private-wealth)[18](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm)

## Geographic presence

United Community Banks’ banking-office network is concentrated in Georgia, South Carolina, North Carolina, Tennessee, Florida, and Alabama. As of June 30, 2026, it operated 200 banking offices across those states; its SBA/USDA lending and equipment-finance activities extend nationwide. The company’s headquarters are in Greenville, South Carolina. [19](https://app.finbar.com/go?id=P147029072)[20](https://app.finbar.com/go?id=P84117262)

The company reported 3,141 full-time-equivalent employees as of June 30, 2026, but does not provide a geographic breakdown of employees. Its disclosed financial results do not allocate revenue or other results by state or country. [19](https://app.finbar.com/go?id=P147029072)[21](https://app.finbar.com/go?id=P20286347)
[19](https://app.finbar.com/go?id=P147029072)[20](https://app.finbar.com/go?id=P84117262)[21](https://app.finbar.com/go?id=P20286347)

## Business segments

United Community Banks reports one reportable segment: **Banking**. It includes its core banking activities, delivered through community banks and geographic regions rather than separately reported business segments. Its focus spans commercial, retail, governmental, educational, energy, health-care, and real-estate customers, with offerings including deposits, loans, mortgages, payment and commerce solutions, wealth management, trust, private banking, investment advisory, and insurance services. [22](https://app.finbar.com/go?id=P147028787)

Because Banking is the only reportable segment, it accounts for approximately **100% of reported consolidated results and assets**; the company does not disclose percentages for individual product areas. For FY2025, consolidated total revenue was $1,063.2 million and year-end assets were $28.003 billion. [23](https://app.finbar.com/go?id=T525078) Equipment finance was part of the 2025 segment scope, but United announced completion of the Navitas equipment-finance sale on September 1, 2026, so it is not part of the company’s current business focus as of October 2, 2026. [24](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-sale-navitas)[25](https://www.sec.gov/Archives/edgar/data/857855/000085785526000084/ucbi-20260901.htm)
[22](https://app.finbar.com/go?id=P147028787)[23](https://app.finbar.com/go?id=T525078)[24](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-sale-navitas)[25](https://www.sec.gov/Archives/edgar/data/857855/000085785526000084/ucbi-20260901.htm)

## Company history

United Community Banks, Inc.’s banking roots date to 1950, when Union County Bank began serving Blairsville, Georgia. The holding company was incorporated in 1987 and began operating in 1988 by acquiring Union County Bank. [26](https://www.ucbi.com/corporate-impact) [27](https://ir.ucbi.com/static-files/132f58a2-c74e-47d8-bc4a-88d9391f5fb2) The company expanded through a series of acquisitions, including MoneyTree/First National Bank of Lenoir City and Palmetto Bancshares in 2015, Tidelands Bancshares in 2016, and HCSB Financial in 2017, broadening its presence in Tennessee and South Carolina. [28](https://app.finbar.com/go?id=P182791377) [29](https://app.finbar.com/go?id=P182792889) [30](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-tidelands) [31](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-hcsb)

In 2018, Lynn Harton succeeded Jimmy Tallent as CEO, with Tallent becoming executive chairman. [32](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-ceo-succession-plan) Further acquisitions expanded the company into Florida and strengthened its presence in North Carolina and Tennessee: Three Shores in 2020, Aquesta in 2021, Reliant in 2022, and Progress Financial and First Miami in 2023. [33](https://www.ucbi.com/news-and-press-releases/press-release-archive/ucbi-three-shores-bancorporation-merger) [34](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-aquesta) [35](https://www.ucbi.com/news-and-press-releases/press-release-archive/united-community-bank-completes-transition-of-reli) [36](https://www.ucbi.com/news-and-press-releases/press-release-archive/united-community-banks-inc-announces-completion-o) [37](https://www.ucbi.com/news-and-press-releases/press-release-archive/united-community-banks-inc-announces-completion-of-merger-with-first-miami-bancorp-inc) The company completed its acquisition of ANB Holdings in 2025 and its merger with Peach State Bancshares in 2026. [38](https://app.finbar.com/go?id=P18241787) [39](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-anb) [40](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-peach)
[28](https://app.finbar.com/go?id=P182791377)[29](https://app.finbar.com/go?id=P182792889)[38](https://app.finbar.com/go?id=P18241787)[26](https://www.ucbi.com/corporate-impact)[27](https://ir.ucbi.com/static-files/132f58a2-c74e-47d8-bc4a-88d9391f5fb2)[30](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-tidelands)[31](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-hcsb)[32](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-ceo-succession-plan)[33](https://www.ucbi.com/news-and-press-releases/press-release-archive/ucbi-three-shores-bancorporation-merger)[34](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-aquesta)[35](https://www.ucbi.com/news-and-press-releases/press-release-archive/united-community-bank-completes-transition-of-reli)[36](https://www.ucbi.com/news-and-press-releases/press-release-archive/united-community-banks-inc-announces-completion-o)[37](https://www.ucbi.com/news-and-press-releases/press-release-archive/united-community-banks-inc-announces-completion-of-merger-with-first-miami-bancorp-inc)[39](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-anb)[40](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-peach)

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19. [UNITED COMMUNITY BANKS INC — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P147029072)
20. [UNITED COMMUNITY BANKS INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P84117262)
21. [UNITED COMMUNITY BANKS INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P20286347)
22. [UNITED COMMUNITY BANKS INC — Full financial report (2026 Q 2)](https://app.finbar.com/go?id=P147028787)
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37. [www.ucbi.com](https://www.ucbi.com/news-and-press-releases/press-release-archive/united-community-banks-inc-announces-completion-of-merger-with-first-miami-bancorp-inc)
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40. [ir.ucbi.com](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-peach)

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