United's Commitment to You

United Community has been providing customers with a secure and safe place to bank since 1950. We take the commitment to our customers seriously, with a strong focus on safety and soundness, and will continue to protect our customers and their investments. We have a diversified portfolio both in regard to our loan and deposit customers, and we don’t have significant concentrations, either by industry or by size. We have always believed in diversification, which helps provide stability in times of economic uncertainty.

Bank Characteristics:

• 207 bank locations situated in the fastest-growing geographies in the Southeast
• 10-time winner of the J.D. Power award for Customer Satisfaction with Consumer Banking in the Southeast
• In 2023, Forbes listed United as one of the World’s Best Banks and one of America’s Best Banks for the tenth consecutive year
• Named one of American Banker’s “Best Banks to Work For” in 2023 for the seventh consecutive year
• Recognized in 2023 as #2 in the banking industry category on Newsweek’s Most Trustworthy Companies in America list

Strong Financial Profile¹:

• Deposits: Strong, diverse, and granular deposit portfolio with an average account size of $35,000. Customer deposits have increased YTD.
• 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. In the face of increased deposit pricing competition, we have continued to grow customer deposits and fund loan growth.
• 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. Specifically, our Common Equity Tier 1 ratio is 12.2%.
• 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 positive outlook. According to the report, the main reasons for keeping the ratings and the positive outlook are:
  • Our granular, low-cost deposit base
  • More liquid balance sheet
  • Deposit flows and cost
  • Stronger capital than peers

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