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FNBSM joins forces with United Community Bank.

On February 13, 2023, United Community Bank (“United”) and First National Bank of South Miami (“FNBSM”), a wholly-owned subsidiary of First Miami Bancorp, Inc. announced an intent to join forces to expand their shared commitment of helping clients in the Miami metropolitan area realize their financial goals, expand their businesses and plan for their futures. The combined bank will provide FNBSM clients with expanded access to United’s personal banking, business banking and wealth management solutions, while maintaining the client focus and local decision-making you have come to expect.
As a FNBSM client, we understand you may have questions and we are committed to keeping you informed with clear and frequent communications throughout the transition process.
At this time, there is nothing you need to do. You should continue to conduct your banking as you always have with the same great team you know and trust.
We will continue to update you through a variety of direct communications and public announcements as more information becomes available.
Should you have additional questions at this time, please do not hesitate to contact your local FNBSM team.

The merger is subject to normal and customary approvals by shareholders and banking regulators. Additional information will be provided as the dates are confirmed; however, we are currently anticipating the merger to be completed in the third quarter of 2023. Below is a summary of basic information related to this transition:

About United Community Bank

United Community Banks, Inc. (NASDAQ: UCBI) provides a full range of banking, wealth management and mortgage services for consumers and business owners. As of December 31, 2022, United had $24.0 billion in assets and 192 offices in Florida, Georgia, North Carolina, South Carolina, and Tennessee, along with a national SBA lending franchise and a national equipment lending subsidiary. Additionally, on January 2, 2023, the company closed its acquisition of Progress Financial Corporation with total assets of $1.7 billion and 14 offices in Alabama and on the Florida Panhandle.

The company, known as "The Bank That SERVICE Built," has been recognized nationally for delivering award-winning service. In 2022, J.D. Power ranked United highest in customer satisfaction with consumer banking in the Southeast, marking eight out of the last nine years United has earned the coveted award. Forbes recognized United as one of the top ten World's Best Banks in 2022. Forbes also included United on its 2023 list of the 100 Best Banks in America for the tenth consecutive year. United also received ten Greenwich Excellence Awards in 2021 for excellence in Small Business Banking and Middle Market Banking, including national awards for Overall Satisfaction and Likelihood to Recommend. United was also named one of the "Best Banks to Work For" by American Banker in 2022 for the sixth consecutive year based on employee satisfaction. Additional information about United can be found at

About First National Bank of South Miami

First Miami Bancorp, Inc. founded its wholly-owned subsidiary First National Bank of South Miami in 1952. Since then the family-owned and operated company has grown significantly.  As of December 31, 2022, First Miami consolidated had total assets of $1.0 billion, total loans of $594 million, and total deposits of $867 million. In addition to traditional banking products, FNB of South Miami offers private banking, trust and wealth management services for businesses and individuals in Miami-Dade County. For more information, visit


February 13, 2023: Press Release

Frequently Asked Questions

We've put together answers to some of the most frequently asked questions concerning the transition of your accounts.

Frequently Asked Questions

1. Who is United Community Bank?
Since 1950, United has provided best in class service to our clients as the foundation of every relationship. Known as “The Bank That SERVICE Built®,” we are committed to improving lives in the communities we serve. We strive to provide valuable, convenient, and innovative products and services with the attentive client service you deserve.
2. How will the merger impact me?
There will be no immediate effects for any FNBSM clients. You should continue to conduct your banking as you normally do, and you will continue to experience the same great service from the same local teams you know and trust.
3. Where can I find additional information?
FNBSM and United issued a joint announcement on February 13, 2023, that includes some initial details and is available at We will continue to update you through a variety of direct communications and public announcements as more information becomes available.
4. Why are FNBSM Bank and United Community joining forces?
FNBSM and United are combining to be able to provide more services to FNBSM clients, while maintaining the culture of service that you have come to love. Both banks have client-centric community banking philosophies that, when combined, will provide the stability and continuity of a larger institution.  This will enable ongoing investment in new technology and new products that will help customers continue to grow and prosper.  
5. When will FNBSM begin its transition into United?
On February 13, 2023, FNBSM announced the intention to become a part of United. This transition is still subject to all approvals from banking regulators and the First Miami Bancorp, Inc. shareholders. The merger is expected to be completed in the third quarter of 2023.
6. Will my accounts still be FDIC insured?
If you do not have any pre-existing accounts with United, then there will be no change to your FDIC insurance coverage. If you do have accounts at both United and FNBSM, the FDIC provides continuing separate insurance coverage for at least six months following the anticipated merger in the third quarter of 2023.
7. Will you continue to operate under the FNBSM Bank name?
Initially yes; however, FNBSM will eventually begin operating under the United Community Bank name, with a full transition anticipated in the fourth quarter of 2023.  Our teams will work to make this transition as seamless as possible.
8. Do I need to do anything right now with my accounts?
No, at this time there are no actions that need to be taken. As we prepare for the full transition anticipated in October of 2023, you may begin to see the United Community Bank name appear on some legal documents and contracts or see statements such as “United Community Bank d/b/a First National Bank of South Miami.” You should continue to conduct your banking as you normally do. We will notify you in advance if any action is needed.

9. Will I be notified of important changes impacting my accounts, including online and mobile banking?
Yes, the FNBSM and United teams are dedicated to you, our client, and we will communicate as frequently as possible throughout this transition. Any account, online and/or mobile banking changes that may impact you will be communicated well in advance.
10. Who do I contact if I have questions about my accounts today or concerns going forward?
If you have any questions and/or concerns, you should contact your local FNBSM team. Our teams will be working closely together, and your local FNBSM team will continue to be your trusted resource.
11. Will my local banking office remain open?
There are no planned closures or consolidations of any branches because of the merger. You will continue to enjoy the same convenience and service from the local team of bankers you know and trust, at the same locations you use today. 
12. Does United currently have banking offices in the Miami area?
Yes. United operates under the Seaside Bank and Trust name across the Florida market and has an office in Coral Gables, Florida.
We understand you may have additional questions related to this transition.
Please know that FNBSM and United are currently preparing a comprehensive transition plan that will address these questions and much more. We will continue to update you regularly as this transition progresses.


If you have additional questions regarding the transition of your account(s) or need further clarification at this time, please do not hesitate to contact your local branch or call us at1-800-UCBANK1(1-800-822-2651).

SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995.  Some of the information on this site contains certain forward-looking information about United and the combined company after completion of the merger that are intended to be covered by the safe harbor for "forward-looking statements" provided by the Private Securities Litigation Reform Act of 1995. Forward-looking statements are statements that are not historical facts. Words such as "expect(s)", "feel(s)", "believe(s)", "will", "may", "anticipate(s)" and similar expressions are intended to identify forward-looking statements. These statements include, but are not limited to, statements regarding plans, objectives, and expectations with respect to future operations, products, and services; and statements regarding future performance. Such statements are subject to certain risks and uncertainties, many of which are difficult to predict and generally beyond the control of United and Progress, that could cause actual results to differ materially from those expressed in, or implied or projected by, the forward-looking information and statements. These risks and uncertainties include: those discussed and identified in public filings with the SEC made by United; our ability to consummate the merger with Progress, to achieve expected synergies and operating efficiencies in the Progress merger and to successfully integrate our operations; and our expectations regarding the timing and completion of the merger. You are cautioned not to place undue reliance on these forward-looking statements that speak only as of the date hereof. United does not undertake any obligation to republish revised forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events. You are also urged to carefully review and consider the various disclosures in United’s various SEC filings, including but not limited to the registration statement on Form S-4 and related materials mentioned above, United’s Annual Report on Form 10-K for the year ended December 31, 2021, and United’s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 2022.