United Community Bank is the Greenville, South Carolina state-chartered bank at FDIC certificate 16889. It serves households and businesses across the Southeast and operates a national small-business lending franchise.
The bank began in Georgia in 1950 and converted to a South Carolina charter in 2021. It is the insured subsidiary of United Community Banks, Inc.; its legal identity is distinct from the unrelated United Bank.
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United Community Bank grew from Georgia roots into a six-state Southeastern franchise. Its 2026 sale of Navitas, purchase of Peach State and securities restructuring concentrate the business around local banking relationships while changing the interpretation of its earnings and capital.
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