United Community Banks (ticker: UCBI) is a Southeast-focused regional bank headquartered in Greenville, South Carolina, with roughly $28B in total assets. United operates primarily through United Community Bank, taking in deposits and lending them out to commercial and retail customers across Georgia, South Carolina, North Carolina, Tennessee, Florida, and Alabama. The loan book skews commercial, with the largest categories being owner-occupied and income-producing commercial real estate, C&I loans, and residential mortgages. Beyond the core bank, United runs two national specialty lending businesses: Navitas Equipment Finance, which targets small businesses nationwide and crossed $1B in annual originations in 2025, and an SBA/USDA lending operation, where United holds Preferred Lender status, allowing it to self-approve loans and sell guaranteed portions into the secondary market. United also operates a wealth management division, offering investment management, trust, and estate planning services, and a retail mortgage business that originates over $1B in residential mortgages annually, selling roughly 65% into the secondary market. United earns primarily through net interest income, driven by loan volume, net interest margin, and deposit cost management. Fee income from wealth management, SBA and Navitas loan sales, and mortgage banking is a secondary but meaningful revenue contributor. United's stated growth strategy has shifted from acquisitions toward organic growth, focused on hiring commercial lenders across its existing footprint, deepening its product offerings in treasury management, C&I, and private banking, and returning excess capital to shareholders through buybacks and dividends.