United Community Banks Releases Q2 2026 Earnings and Hosts Investor Conference Call on July 21

Company Profile and Operational Structure

United Community Banks, Inc., incorporated in Georgia and headquartered in Greenville, South Carolina, operates through a network of community banking subsidiaries serving multiple states. The company’s common stock trades on the New York Stock Exchange under the symbol UCB. Its principal executive offices are located at 200 East Camperdown Way, Greenville, South Carolina, with contact number (800) 822-2651. Regulatory identifiers include Commission file number 001-35095 and IRS Employer Identification Number 58-1807304.

The company’s community banking model prioritizes localized decision-making and strong customer relationships within its markets. As a publicly traded entity, United Community Banks complies with Securities and Exchange Commission reporting and disclosure requirements to keep investors informed about operational and financial performance.

Details of Q2 2026 Earnings Release

On July 21, 2026, United Community Banks issued a detailed press release presenting its financial results for the second quarter of fiscal year 2026. The announcement included key performance indicators, operational updates, and strategic insights relevant to ongoing business activities. The timing aligned with the scheduled earnings conference call, enabling immediate investor access to comprehensive quarterly information.

The press release served as the primary communication tool for quarterly financial results and operational status. It highlighted performance across business segments and addressed critical financial metrics important to banking sector investors. By releasing results alongside a live conference call, United Community Banks provided both written disclosures and real-time management commentary.

Earnings Conference Call and Webcast Information

The company hosted an earnings conference call and webcast at 9:00 a.m. Eastern Time on July 21, 2026. This event allowed institutional and retail investors, financial analysts, and other stakeholders to listen to management’s discussion of quarterly results and pose questions regarding company operations, financial outcomes, and strategic direction. The live format facilitated direct engagement with leadership on second quarter 2026 performance.

Instructions for accessing the earnings call and webcast were provided in the July 21, 2026 press release. Webcast availability enabled participants unable to join by phone to follow the discussion live. This multimedia disclosure approach aligns with industry standards for publicly traded financial services firms aiming for broad investor communication.

Supplemental Presentation Materials and Investor Resources

United Community Banks prepared a slide presentation for use during the July 21, 2026 earnings call and webcast. The presentation featured visual aids, charts, and data supporting management’s discussion of quarterly results and offering additional context for key metrics. These materials were distributed as part of the company’s formal disclosure to ensure investors had comprehensive information on second quarter 2026 operations.

The slide presentation remains accessible on the company’s investor relations website at www.ucbi.com under the "Investor Relations – Events and Presentations" section. This ongoing availability allows investors to review content at their convenience and reference specific data points or management commentary for analysis. The accessibility of these materials underscores United Community Banks’ commitment to transparency and investor communication beyond the initial announcement.

Regulatory Filing and Disclosure Status

The July 21, 2026 announcement was made pursuant to Item 2.02 of Form 8-K, concerning results of operations and financial condition. The press release was furnished as Exhibit 99.1 to the current report filing. The company noted that this information was not "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, thus not subject to associated liabilities, consistent with standard practice for earnings disclosures under Item 2.02.

The earnings call slide presentation was furnished as Exhibit 99.2 to the current report and similarly was not considered "filed" under Section 18 of the Exchange Act. It was not incorporated by reference into any other filings under the Securities Act of 1933 or the Exchange Act. This distinction affects the legal status and liability exposure of the disclosed materials, which investors should consider when reviewing company disclosures.

Compliance with Regulation FD Disclosure Requirements

United Community Banks’ announcement incorporated Regulation Fair Disclosure (FD) procedures under Item 7.01 of its current report. Regulation FD mandates simultaneous disclosure of material information to all investors, preventing selective disclosures. By coordinating the press release with the earnings call and webcast, the company ensured equal access to quarterly results for all market participants.

This disclosure strategy—combining a written press release, live earnings call with webcast, and supplemental presentation materials—meets Regulation FD requirements while offering investors multiple formats to access critical information. Materials furnished under Item 7.01, like those under Item 2.02, were not deemed filed under Section 18 of the Exchange Act.

Community Banking Sector Context and Operations

Operating within the financial services industry, United Community Banks focuses on community banking, serving regional and local markets. Its business model emphasizes relationship-driven lending, personalized service, and local market expertise. The holding company structure with multiple community bank subsidiaries supports local autonomy while leveraging centralized resources for compliance, technology, and support.

The Q2 2026 earnings release offers insight into the company’s performance amid factors affecting community banks, such as interest rate fluctuations, credit quality, deposit trends, and local economic conditions. Quarterly disclosures enable investors to monitor financial results as market dynamics evolve within the regional banking landscape.

Investor Relations and Market Communication Approach

United Community Banks’ timing and approach to earnings disclosure align with industry norms for publicly traded financial firms aiming for consistent, transparent investor communication. Scheduling the earnings call immediately after the morning press release provides investors multiple opportunities to access information and engage with management throughout the day. This practice supports timely incorporation of results into investor analyses and market commentary.

By offering webcast access, supplemental presentation materials, and ongoing website availability, the company addresses diverse investor preferences for consuming information—whether through documents, live dialogue, or visual content. This multifaceted communication strategy enhances accessibility and completeness of investor outreach.

Financial Reporting and Transparency Commitments

As a New York Stock Exchange-listed company, United Community Banks complies with reporting obligations under the Securities Exchange Act of 1934 and related securities laws. Quarterly earnings announcements are a key component of the company’s disclosure duties to shareholders and the investment community, ensuring timely and comprehensive dissemination of material information about financial condition and operations.

The format and content of United Community Banks’ Q2 2026 earnings release—including press release, earnings call, and supplemental materials—reflect established disclosure standards in the financial services sector. Investors tracking the company’s performance can rely on these recurring events for updates on quarterly results, management insights, and forward-looking considerations relevant to investment decisions. The company’s adherence to disclosure and communication practices supports market integrity and investor protection.