United Community Banks (UCB) Proxy filing summary

Executive summary

• 2025 marked the 75th anniversary, with operating earnings up 18% to $336 million and revenue surpassing $1 billion for the first time, driven by strong lending and equipment finance performance.

• Net interest margin improved, credit quality remained solid, and over $40 million in stock was repurchased; dividends were increased.

• Investments were made in technology, risk management, and market expansion, with a focus on AI for productivity and fraud prevention.

• The 2026 Annual Meeting will be held virtually on May 13, 2026, with shareholders encouraged to vote online, by phone, or by mail.

Voting matters and shareholder proposals

• Shareholders will vote on electing 12 directors, an advisory say-on-pay for executive compensation, and ratification of PwC as auditor for 2026.

• The Board recommends voting FOR all proposals.

• Shareholder proposals for the 2027 meeting must be submitted by December 2, 2026.

Board of directors and corporate governance

• The Board consists of 12 members, 11 of whom are independent, with a mix of tenures and recent refreshment to ensure diverse perspectives.

• Five standing committees: Audit, Executive, Nominating and Corporate Governance, Risk, and Talent and Compensation, all with defined charters.

• Annual self-evaluations, director orientation, and continuing education are emphasized.

• Stock ownership guidelines require directors to hold shares equal to five times their annual retainer.