Regulatory Matters

3 Months Ended

Mar. 31, 2024

Regulatory Capital Requirements Under Banking Regulations [Abstract]

Regulatory Matters

Regulatory Matters

As of March 31, 2024, United and the Bank were categorized as well-capitalized under the regulatory requirements in effect at that time. To be categorized as well-capitalized, United and the Bank must have exceeded the well-capitalized guideline ratios in effect at the time, as set forth in the table below, and have met certain other requirements. Management believes that United and the Bank exceeded all well-capitalized requirements at March 31, 2024, and there have been no conditions or events since quarter-end that would change the status of well-capitalized.

Regulatory capital ratios at March 31, 2024 and December 31, 2023, along with the minimum amounts required for capital adequacy purposes and to be well-capitalized under regulatory requirements in effect at such times, are presented below for United and the Bank:

					United Community Banks, Inc. (Consolidated)						United Community Bank
(dollars in thousands)	Minimum (1)		Well- Capitalized		March 31, 2024			December 31, 2023			March 31, 2024			December 31, 2023
Risk-based ratios:
CET1 capital	4.5	%	6.5	%	12.39		%	12.16		%	12.60		%	12.22		%
Tier 1 capital	6.0		8.0		12.83			12.60			12.60			12.22
Total capital	8.0		10.0		14.64			14.49			13.63			13.23
Leverage ratio	4.0		5.0		9.69			9.47			9.50			9.17
CET1 capital					$	2,468,825		$	2,432,518		$	2,502,765		$	2,435,962
Tier 1 capital					2,557,091			2,520,784			2,502,765			2,435,962
Total capital					2,917,664			2,898,474			2,707,793			2,638,009
Risk-weighted assets					19,933,869			20,007,236			19,861,459			19,933,429
Average total assets for the leverage ratio					26,400,773			26,621,561			26,351,912			26,563,946

(1) As of March 31, 2024 and December 31, 2023 the additional capital conservation buffer in effect was 2.50%