# United Community Banks competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/united-community/competitors
Last updated: Oct 19, 2026

*Part of the [United Community Banks AI strategy profile](https://www.bankingnewsai.com/banks/united-community). Peer group: SouthState Bank, Pinnacle Financial Partners, Ameris Bancorp, Renasant Corporation, Hancock Whitney, Atlantic Union Bankshares, TowneBank, Trustmark Corporation.*

## Who are United Community Banks's competitors, and what are the alternatives?

United Community's 2025 10-K, filed February 17, 2026, says it competes with national, super-regional and community banks, credit unions, non-traditional internet-based banks and insurers. It also names mortgage companies, card issuers, leasing and finance companies, money market funds and brokerages. It expects competition to rise mainly because of better financial technology at existing and new firms. Its footprint is 199 banking offices across Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama. It also lends SBA, USDA and, until September 2026, equipment-finance loans nationally. FDIC data for June 30, 2025 show who is larger at home. In Greenville, its headquarters market, it holds 7.92% of deposits, fifth after Truist (13.93%), Wells Fargo (11.73%), Bank of America (9.80%) and TD Bank (9.62%), and just ahead of SouthState (7.33%). In Atlanta it holds 2.21% against Truist's 24.03% and Bank of America's 19.57%. Synovus, now part of Pinnacle, holds 5.80% there and Ameris 3.53%. Its 2026 proxy peer group, chosen partly for footprint and competition for the same customers, includes SouthState, Pinnacle, Ameris and Renasant. Non-bank rivals are clearest in small-business payments and everyday deposits. Square sells payments and banking to sellers, and Chime had 10.4 million active members in June 2026. In national SBA lending, Live Oak runs an AI-native origination platform. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [United Community Banks](https://ir.ucbi.com/node/23736/pdf), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending))

## What does United Community say about its competition?

"Our profitability depends principally on our ability to effectively compete in the markets in which we conduct business. We experience strong competition in all aspects of the businesses in which we engage from both bank and non-bank competitors. Broadly speaking, we compete with national banks, super-regional banks, smaller community banks, credit unions, non-traditional internet-based banks and insurance companies and agencies. We also compete with other financial intermediaries and investment alternatives such as mortgage companies, credit card issuers, leasing companies, finance companies, money market mutual funds, brokerage firms, governmental and corporate bond issuers, and other securities firms. Many of these non-bank competitors are not subject to the same regulatory oversight, which can provide them with a competitive advantage in some instances. In many cases, our competitors have substantially greater resources and offer certain services that we are unable to provide to our customers." ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm))

"We encounter strong pricing competition in providing our services, particularly in making loans and attracting deposits. The larger national and super-regional banks may have significantly greater lending limits and may offer additional products. We attempt to compete successfully with our competitors, regardless of their size, by emphasizing customer service while continuing to provide a wide variety of services. We expect competition in the industry to continue to increase mainly as a result of the improvement in financial technology used by both existing and new banking and financial services firms." ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm))

From the risk factors of the same 10-K: "Our primary areas of competition are deposits, loans, wealth management, trust, and other consumer and commercial financial products and services. ... In addition, the emergence of non-traditional, disruptive service providers has intensified this competitive environment. Also, as customer preferences and expectations continue to evolve, technology has lowered barriers to entry and made it possible for nonbanks to offer products and services traditionally provided by banks. ... We may face a competitive disadvantage as a result of our relatively smaller size, more limited geographic diversification and inability to spread costs across broader markets." (2025 Form 10-K, filed February 17, 2026.) ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm))

From the 2026 proxy statement, on how the compensation peer group is chosen: one criterion is "Geographic Footprint / Competition": "The peer company conducts business in comparable geographic regions ... and frequently vies for the same customers and executive talent." ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm))

## Who competes with United Community in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Upstate South Carolina and Georgia | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | The deposit leader in United Community's two largest markets on the record: 13.93% of Greenville deposits and 24.03% of Atlanta deposits at June 30, 2025, against United Community's 7.92% and 2.21%. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Upstate South Carolina and Georgia | [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Bank | A national bank of the kind United Community's 10-K names: 11.73% of Greenville deposits, 15.40% in Atlanta and 16.23% in Gainesville, Georgia (June 30, 2025). ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Gainesville%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Upstate South Carolina and Georgia | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | Holds 9.80% of Greenville deposits and 19.57% of Atlanta deposits from 100 offices (June 30, 2025). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Upstate South Carolina and Georgia | [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | Bank | Holds 9.62% of Greenville deposits from 15 offices at June 30, 2025, ahead of United Community in its headquarters market. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Upstate South Carolina and Georgia | [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Bank | In United Community's 2026 proxy peer group; it holds 7.33% of Greenville deposits, just behind United Community's 7.92%, and 1.77% in Atlanta (June 30, 2025). ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Upstate South Carolina and Georgia | [Regions Financial](https://www.bankingnewsai.com/banks/regions) | Bank | Holds 2.56% of Atlanta deposits from 72 offices and 10.98% in Gainesville, Georgia, where United Community holds 14.83% (June 30, 2025). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Gainesville%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial and middle-market banking in the Southeast | [Pinnacle Financial Partners (with Synovus)](https://www.bankingnewsai.com/banks/pinnacle) | Bank | Pinnacle and Synovus were both in United Community's 2025 proxy peer group and merged on January 1, 2026; Synovus Bank held 5.80% of Atlanta deposits at June 30, 2025, more than twice United Community's 2.21%. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial and middle-market banking in the Southeast | [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | Bank | An Atlanta-based member of United Community's proxy peer group with 3.53% of Atlanta deposits from 59 offices at June 30, 2025, and 4.25% in Gainesville, Georgia. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Gainesville%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial and middle-market banking in the Southeast | [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | Bank | In United Community's proxy peer group; its purchase of The First Bancshares added about $7.6 billion of assets and 116 locations across the Southeast. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm), [SEC EDGAR](https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf)) |
| Commercial and middle-market banking in the Southeast | [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Bank | Holds 2.23% of Atlanta deposits from 42 offices at June 30, 2025, slightly more than United Community, and builds corporate and institutional lending lines. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Bank OZK](https://ir.ozk.com/static-files/4e55b057-bd91-45cc-9cee-2b0f7d1467dd)) |
| Small business, SBA lending and payments | [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | Bank | A national SBA lender, as United Community is through its SBA/USDA business; Live Oak Express, its AI-native small-loan origination product, originated $82 million in Q2 2026, up 63%, against a target of at least $750 million a year. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-q2-earnings-210730288.html), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) |
| Small business, SBA lending and payments | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists banks that provide payment processing, checking, savings, loans and payroll among Square's competitors; United Community sells payment and commerce solutions to business clients. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm)) |
| Everyday banking and deposits | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | A non-traditional internet-based bank of the kind United Community's 10-K names; Chime's own 10-K claims a cost advantage over traditional banks by avoiding branches, and it had 10.4 million active members at June 30, 2026. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Everyday banking and deposits | Community banks in its markets | Bank | United Community's 10-K names smaller community banks among its competitors; in Greenville, Southern First Bank held 6.83% of deposits and Bank of Travelers Rest 5.27% at June 30, 2025. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Wealth management and trust | Brokerage and investment counseling firms | Broker or asset manager | United Community's 10-K names securities brokerage firms, investment counseling firms and trust companies among its competitors in wealth management and trust; its own FY2023 10-K said AI-based applications were beginning to compete in personal advice. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785524000010/ucbi-20231231.htm)) |

## How do the AI and digital offerings of United Community's competitors compare?

United Community first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [United Community Banks (this page)](https://www.bankingnewsai.com/banks/united-community) | Not disclosed | [Index 38.7 (#75); 13 use cases, 8 in production](https://www.bankingnewsai.com/banks/united-community) | Customer guidance on AI-enabled scams (Sep 18, 2026) ([United Community](https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist: 12.5 million+ requests from 2023 to March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [Wells Fargo](https://www.bankingnewsai.com/banks/wells-fargo) | Fargo virtual assistant: more than 1 billion interactions (March 2026) ([Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones)) | [Index 88.8 (#7); 16 use cases, 13 in production](https://www.bankingnewsai.com/banks/wells-fargo) | Q3 2026 call: AI agents in code, marketing, cyber, underwriting (Oct 13, 2026) ([PYMNTS](https://pymnts.com/earnings/2026/wells-fargo-enhances-banking-capabilities-using-ai-and-digital-assets), [Wells Fargo](https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [TD Bank (U.S.)](https://www.bankingnewsai.com/banks/td-bank-us) | A vendor voice AI agent aimed at about 50% of incoming calls (September 2026) ([MarketBeat (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html)) | [Index 91.8 (#4); 18 use cases, 13 in production](https://www.bankingnewsai.com/banks/td-bank-us) | Agentic AI extended to mortgage funding and discharge (Oct 13, 2026) ([TD Bank Group (Canada Newswire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html)) |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | 2,500+ premium Copilot users and a GenAI Knowledge Assistant (June 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | [Index 70.9 (#33); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled (Oct 2, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| [Regions Financial](https://www.bankingnewsai.com/banks/regions) | AI-driven banker platforms generating 35% of new business opportunities (January 2026) ([PYMNTS](https://pymnts.com/earnings/2026/regions-says-ai-lifts-productivity-20percent-loan-growth-cools)) | [Index 83.8 (#15); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/regions) | Core deposits planned for 2027 (Oct 6, 2026) ([ABA Banking Journal](https://bankingjournal.aba.com/2026/10/progressive-modernization-for-cores)) |
| [Pinnacle Financial Partners (with Synovus)](https://www.bankingnewsai.com/banks/pinnacle) | A head of AI and almost 20 AI engineers (July 2026) ([American Banker](https://digital-banking.americanbanker.com/profile/kevin-d-johnson), [Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) | [Index 65.3 (#42); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| [Ameris Bancorp](https://www.bankingnewsai.com/banks/ameris) | Not disclosed | [Index 20.7 (#97); 11 use cases, 9 in production](https://www.bankingnewsai.com/banks/ameris) | Q2 2026 10-Q: no AI language; technology cost and premium finance figures (Aug 7, 2026) ([Ameris Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/351569/000035156926000143/abcb-20260630.htm)) |
| [Renasant Corporation](https://www.bankingnewsai.com/banks/renasant) | Not disclosed | [Index 2.4 (#111); 12 use cases, 12 in production](https://www.bankingnewsai.com/banks/renasant) | Vendor StrategyCorps buys AI-native Quantuma (Sep 17, 2026) ([StrategyCorps (PR Newswire)](https://www.prnewswire.com/news-releases/strategycorps-acquires-quantuma-an-ai-native-relationship-solution-for-commercial-banking-302880988.html)) |
| [Bank OZK](https://www.bankingnewsai.com/banks/bank-ozk) | Co-developer of Fiserv's agentOS agents (May 2026) ([Fiserv (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html)) | [Index 29.5 (#89); 8 use cases, 4 in production](https://www.bankingnewsai.com/banks/bank-ozk) | U.S. Bank hires from Bank OZK for its Sun Belt push (Aug 31, 2026) ([American Banker](https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt)) |
| [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | Casca AI loan origination; AI tools for 100% of employees ([American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html)) | [Index 53.1 (#54); 10 use cases, 6 in production](https://www.bankingnewsai.com/banks/live-oak) | Glia names Live Oak a Catalyst Awards Pacesetter (Oct 8, 2026) ([Glia (Business Wire via Yahoo Finance)](https://finance.yahoo.com/technology/ai/articles/4-banks-credit-unions-recognized-134500710.html)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner for some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| Community banks in its markets | Not disclosed | No profile | Not disclosed |
| Brokerage and investment counseling firms | Not disclosed | No profile | Not disclosed |

## Who should look beyond United Community, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an in-app AI assistant | [Bank of America (Erica), Wells Fargo (Fargo) or Truist (Truist Assist)](https://www.bankingnewsai.com/banks/bank-of-america) | United Community's AI is in fraud prevention and its contact centre, not a branded customer assistant. All three banks hold larger deposit shares in Greenville and Atlanta (June 30, 2025); Erica has helped more than 24.6 million clients. ([United Community Banks](https://ir.ucbi.com/static-files/5e8f9b22-d28d-4070-bc4f-b896c20ae760), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [Wells Fargo (Business Wire)](https://www.businesswire.com/news/home/20260326542274/en/Wells-Fargo-Reaches-Major-Digital-Milestones), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| People who need branches outside the Southeast | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | United Community's 199 banking offices are in Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama (December 31, 2025). Chase reported 5,083 branches in 2025 and Bank of America 3,500 financial centers in more than 100 US markets. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Small businesses that want a fully digital SBA loan | [Live Oak Bancshares](https://www.bankingnewsai.com/banks/live-oak) | Live Oak's Express product uses an AI-native origination platform, targets 7 to 10 days from application to funding and originated $82 million in Q2 2026. United Community lends SBA and USDA loans nationally and moved its SBA lending onto Newgen's platform in 2025. ([American Banker](https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending), [MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-q2-earnings-210730288.html), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [Fintech Futures](https://fintechfutures.com/commercial-sme-lending/united-community-digitises-small-business-lending-with-newgen)) |
| Customers who want a branchless, app-only account | [Chime](https://www.bankingnewsai.com/fintech/chime) | United Community competes on local service through branches. Chime's model avoids branches and ATMs, it had 10.4 million active members at June 30, 2026, and some can use Jade, its in-app AI financial partner. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Businesses that need equipment finance | Specialist equipment lenders, including Navitas under its new owner | United Community sold its Navitas equipment-finance business to funds managed by Wafra for about $2.0 billion, completing on September 1, 2026; it no longer offers that national line itself. ([United Community Banks](https://ir.ucbi.com/node/23736/pdf), [United Community Banks](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-agreement-sell-equipment)) |

## Where does United Community rank by deposits in Greenville, Atlanta and Gainesville?

FDIC Summary of Deposits market share by metropolitan area, June 30, 2025. Peach State Bank, acquired on August 1, 2026, is shown separately.

| Market | United Community | Leaders | Peers present |
| --- | --- | --- | --- |
| Greenville-Anderson-Greer, SC | 7.92% ($2.1 billion) from 14 offices (5th) | Truist 13.93%; Wells Fargo 11.73%; Bank of America 9.80%; TD Bank 9.62% | SouthState 7.33%; Southern First 6.83%; First-Citizens 5.95% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Atlanta-Sandy Springs-Roswell, GA | 2.21% ($5.4 billion) from 32 offices | Truist 24.03%; Bank of America 19.57%; Wells Fargo 15.40% | Synovus 5.80%; JPMorgan Chase 5.26%; Ameris 3.53%; Regions 2.56%; Bank OZK 2.23%; SouthState 1.77% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Gainesville, GA | 14.83% ($0.8 billion) from 4 offices (3rd); Peach State Bank & Trust 11.68% | Truist 19.48%; Wells Fargo 16.23% | Regions 10.98%; Bank of America 6.95%; Ameris 4.25% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Gainesville%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [United Community Banks](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-peach)) |

## What AI do United Community's main rivals have on the record?

One line per rival, from each one's own disclosures or this site's profiles.

| Rival | AI on the record | Date |
| --- | --- | --- |
| United Community | Vendor fraud AI (fraud losses down 50% over two years); contact-centre AI tools | April 2026 ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) |
| Truist | Truist Assist, 12.5 million+ requests | March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) |
| SouthState | 2,500+ premium Copilot users | June 2026 ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) |
| Pinnacle | Head of AI; almost 20 AI engineers | July 2026 ([Yahoo Finance (earnings call transcript)](https://finance.yahoo.com/quote/PNFP/earnings/PNFP-Q2-2026-earnings_call-653603.html)) |
| Live Oak | AI-native SBA origination; 640+ staff-built agents and skills | July 2026 ([Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-live-oak-bancshares-tops-q2-2026-estimates-93CH-4809313)) |

## Common questions

### Who are United Community Banks' biggest competitors?

By deposits in its markets: Truist, Wells Fargo, Bank of America and TD Bank in Greenville, and Truist, Bank of America, Wells Fargo and Synovus (now Pinnacle) in Atlanta (FDIC, June 30, 2025). Among similar-sized banks, the Southeast members of its proxy peer group, including SouthState, Pinnacle, Ameris and Renasant. Its 10-K also names credit unions and internet-based banks. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm))

### Is SouthState a competitor of United Community?

Yes. SouthState is in United Community's 2026 proxy peer group, chosen partly for competing for the same customers, and the two are close in Greenville: United Community held 7.92% of deposits and SouthState 7.33% at June 30, 2025. SouthState scores 70.9 on this site's AI index and United Community 38.7. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### What is United Community's market share in Greenville?

United Community held 7.92% of deposits in the Greenville-Anderson-Greer market at June 30, 2025, about $2.1 billion from 14 offices, fifth behind Truist (13.93%), Wells Fargo (11.73%), Bank of America (9.80%) and TD Bank (9.62%). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### What did United Community gain with Peach State?

A bigger position in Gainesville, Georgia. It bought Peach State Bancshares, a $788 million-asset bank with the number-one share in Hall County, for $100.8 million, completing on August 1, 2026. At June 30, 2025 United Community held 14.83% of Gainesville-area deposits and Peach State Bank & Trust 11.68%; systems conversion is expected in Q1 2027. ([American Banker](https://www.americanbanker.com/news/ucb-to-add-heft-near-atlanta-with-latest-bank-deal), [United Community Banks](https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-peach), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Gainesville%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### Is Chime a competitor of United Community?

By category. United Community's 10-K names non-traditional internet-based banks among its competitors and says technology has let nonbanks offer bank products at lower cost; Chime had 10.4 million active members at June 30, 2026. Neither company names the other. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### What are alternatives to United Community for small business banking?

For SBA loans, Live Oak, whose AI-native Express product originated $82 million in Q2 2026; for card acceptance with banking, Square; and among regional banks, SouthState and Pinnacle in the same markets. United Community itself is a national SBA and USDA lender and moved SBA lending onto Newgen's platform in 2025. ([MarketBeat via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-q2-earnings-210730288.html), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm), [United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm), [Fintech Futures](https://fintechfutures.com/commercial-sme-lending/united-community-digitises-small-business-lending-with-newgen))

### Is Truist a competitor of United Community?

Yes, the largest in its home markets. Truist held 13.93% of Greenville deposits, 24.03% of Atlanta deposits and 19.48% of Gainesville deposits at June 30, 2025, first in all three. On digital, Truist reports 12.5 million-plus Truist Assist requests since 2023; United Community discloses no customer AI assistant. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Gainesville%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm), [United Community Banks](https://ir.ucbi.com/static-files/5e8f9b22-d28d-4070-bc4f-b896c20ae760))

### Does United Community compete with Pinnacle after the Synovus merger?

Yes. Pinnacle and Synovus were both in United Community's 2025 proxy peer group and merged on January 1, 2026. Synovus Bank held 5.80% of Atlanta deposits at June 30, 2025 against United Community's 2.21%, and the combined bank plans to move more than 200,000 customers to a new app in March 2027. ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm), [Pinnacle Financial Partners](https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners))

### Does United Community still compete in equipment finance?

No longer directly. It sold its Navitas equipment-finance business, which had $166 million of revenue in 2025, to funds managed by Wafra for about $2.0 billion in cash, completing on September 1, 2026. Harton said the sale sharpens focus on core Southeastern markets. ([American Banker](https://www.americanbanker.com/news/united-community-to-sell-a-high-achieving-equipment-finance-unit), [United Community Banks](https://ir.ucbi.com/node/23736/pdf))

## Peers on this site

- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Ameris Bancorp AI strategy](https://www.bankingnewsai.com/banks/ameris) · [vs peers](https://www.bankingnewsai.com/banks/ameris/vs-peers)
- [Renasant Corporation AI strategy](https://www.bankingnewsai.com/banks/renasant) · [vs peers](https://www.bankingnewsai.com/banks/renasant/vs-peers)
- [Hancock Whitney AI strategy](https://www.bankingnewsai.com/banks/hancock-whitney) · [vs peers](https://www.bankingnewsai.com/banks/hancock-whitney/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [TowneBank AI strategy](https://www.bankingnewsai.com/banks/townebank) · [vs peers](https://www.bankingnewsai.com/banks/townebank/vs-peers)
- [Trustmark Corporation AI strategy](https://www.bankingnewsai.com/banks/trustmark) · [vs peers](https://www.bankingnewsai.com/banks/trustmark/vs-peers)

## Sources

1. United Community Banks, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — United Community Banks (SEC filings), Feb 17, 2026. https://www.sec.gov/Archives/edgar/data/857855/000085785526000008/ucbi-20251231.htm
2. United Community Banks, Inc. Announces Completion of Sale of Navitas Equipment Finance Business to Funds Managed by Wafra Inc. — United Community Banks, Sep 1, 2026. https://ir.ucbi.com/node/23736/pdf
3. Summary of Deposits, deposit market share: Greenville-Anderson-Greer, SC MSA (reporting period June 30, 2025) — FDIC BankFind Suite, Jun 30, 2025. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Greenville-Anderson-Greer%2C%20SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
4. Summary of Deposits, deposit market share: Atlanta-Sandy Springs-Roswell, GA MSA (reporting period June 30, 2025) — FDIC BankFind Suite, Jun 30, 2025. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Atlanta-Sandy%20Springs-Roswell%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
5. United Community Banks, Inc. 2026 Proxy Statement (DEF 14A): 2025 Compensation Peer Group — United Community Banks (SEC filings), Apr 1, 2026. https://www.sec.gov/Archives/edgar/data/857855/000110465926038366/tm2520272-3_def14a.htm
6. Block, Inc. Annual Report 2025 (Form 10-K) — Block, Inc. via SEC EDGAR, Feb 26, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm
7. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
8. How AI is quickly overhauling one segment of SBA lending — American Banker, Apr 28, 2026. https://www.americanbanker.com/news/how-ai-is-quickly-overhauling-one-segment-of-sba-lending
9. Summary of Deposits, deposit market share: Gainesville, GA MSA (reporting period June 30, 2025) — FDIC BankFind Suite, Jun 30, 2025. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Gainesville%2C%20GA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
10. Pinnacle and Synovus Complete Merger to Become Regional Bank Growth Champion — Pinnacle Financial Partners, Jan 2, 2026. https://www.pnfp.com/about-pinnacle/media-room/news-releases/pinnacle-and-synovus-complete-merger-to-become-regional-bank-growth-champion
11. Renasant Corporation 2025 Annual Report — SEC EDGAR, Mar 16, 2026. https://sec.gov/Archives/edgar/data/715072/000071507226000032/a2025rnstannualreport.pdf
12. Transcript of the Fourth Quarter 2025 Conference Call — Bank OZK, Jan 21, 2026. https://ir.ozk.com/static-files/4e55b057-bd91-45cc-9cee-2b0f7d1467dd
13. Live Oak Bancshares Q2 Earnings Call Highlights — MarketBeat via Yahoo Finance, Jul 23, 2026. https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-q2-earnings-210730288.html
14. Live Oak Bancshares, Inc. Q2 2026 Earnings Call Summary — Moby via Yahoo Finance, Jul 23, 2026. https://finance.yahoo.com/markets/stocks/articles/live-oak-bancshares-inc-q2-123000999.html
15. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
16. United Community Banks, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2023 — United Community Banks (SEC filings), Feb 23, 2024. https://www.sec.gov/Archives/edgar/data/857855/000085785524000010/ucbi-20231231.htm
17. Protect Your Business from Payment Fraud and Account Takeover — United Community, Sep 18, 2026. https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover
18. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
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22. Wells Fargo Reports Third Quarter 2026 Net Income of $6.0 billion, or $1.87 per Diluted Share — Wells Fargo, Oct 13, 2026. https://www.wellsfargo.com/assets/pdf/about/investor-relations/earnings/third-quarter-2026-earnings.pdf
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24. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
25. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
26. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
27. TD Bank Targets 100 U.S. Branches as AML Remediation Continues — MarketBeat (Yahoo Finance), Sep 17, 2026. https://finance.yahoo.com/markets/stocks/articles/td-bank-targets-100-u-230222427.html
28. TD expands agentic AI across mortgage operations to make banking faster, simpler and more human — TD Bank Group (Canada Newswire via Yahoo Finance), Oct 13, 2026. https://finance.yahoo.com/technology/ai/articles/td-expands-agentic-ai-across-093000362.html
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35. The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners
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37. StrategyCorps Acquires Quantuma, an AI-Native Relationship Solution for Commercial Banking — StrategyCorps (PR Newswire), Sep 17, 2026. https://www.prnewswire.com/news-releases/strategycorps-acquires-quantuma-an-ai-native-relationship-solution-for-commercial-banking-302880988.html
38. Fiserv Launches agentOS: The Operating System for Agentic AI in Banking — Fiserv (GlobeNewswire), May 14, 2026. https://www.globenewswire.com/news-release/2026/05/14/3294727/0/en/fiserv-launches-agentos-the-operating-system-for-agentic-ai-in-banking.html
39. U.S. Bank's business banking expansion targets the Sun Belt — American Banker, Aug 31, 2026. https://www.americanbanker.com/news/u-s-banks-business-banking-expansion-targets-the-sun-belt
40. 4 Banks and Credit Unions Recognized for AI Innovation — Glia (Business Wire via Yahoo Finance), Oct 8, 2026. https://finance.yahoo.com/technology/ai/articles/4-banks-credit-unions-recognized-134500710.html
41. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
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44. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
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47. United Community digitises small business lending with Newgen — Fintech Futures, May 14, 2025. https://fintechfutures.com/commercial-sme-lending/united-community-digitises-small-business-lending-with-newgen
48. United Community Banks, Inc. Announces Agreement to Sell Equipment Finance Business, Consisting of Navitas Credit Corp. and NLFC Reinsurance Corp., to Funds Managed by Wafra Inc. — United Community Banks, Jun 12, 2026. https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-agreement-sell-equipment
49. United Community Banks, Inc. Announces Completion Of Merger With Peach State Bancshares, Inc., The Parent Company Of Peach State Bank & Trust — United Community Banks, Aug 3, 2026. https://ir.ucbi.com/news-releases/news-release-details/united-community-banks-inc-announces-completion-merger-peach
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