Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2020

Regulatory Capital Requirements Under Banking Regulations [Abstract]

Schedule of minimum amounts required for capital adequacy purposes

Regulatory capital ratios at September 30, 2020 and December 31, 2019, along with the minimum amounts required for capital adequacy purposes and to be well-capitalized under prompt corrective action provisions in effect at such times are presented below for United and the Bank (dollars in thousands):

					United Community Banks, Inc. (Consolidated)						United Community Bank
	Minimum (1)		Well Capitalized		September 30, 2020			December 31, 2019			September 30, 2020			December 31, 2019
Risk-based ratios:
Common equity tier 1 capital	4.5	%	6.5	%	12.31		%	12.97		%	13.20		%	14.87		%
Tier 1 capital	6.0		8.0		13.12			13.21			13.20			14.87
Total capital	8.0		10.0		15.27			15.01			14.21			15.54
Leverage ratio	4.0		5.0		9.38			10.34			9.42			11.63
Common equity tier 1 capital					$	1,459,152		$	1,275,148		$	1,559,356		$	1,458,720
Tier 1 capital					1,555,574			1,299,398			1,559,356			1,458,720
Total capital					1,810,503			1,476,302			1,678,689			1,524,267
Risk-weighted assets					11,857,146			9,834,051			11,815,993			9,810,477
Average total assets for the leverage ratio					16,583,232			12,568,563			16,554,227			12,545,254

(1) As of September 30, 2020 and December 31, 2019 the additional capital conservation buffer in effect was 2.50%