United Community Bank
A full-service regional bank headquartered in Greenville, South Carolina, serving consumers, businesses and corporate clients across the Southeastern United States.
Last updated November 4, 2026
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Overview
United Community Bank is an American regional banking brand serving the Southeastern United States. Its operating footprint covers Alabama, Florida, Georgia, North Carolina, South Carolina and Tennessee, where it provides consumer, small-business, commercial and corporate financial services through a branch network and specialist banking divisions. The bank is described as one of the larger full-service financial institutions in the Southeast and as the largest bank headquartered in South Carolina by total assets. The reference material reports approximately $28.2 billion in assets and about 200 offices, although those figures are not assigned to a specific reporting date here. The institution traces its origins to Union County Bank, founded in Blairsville, Georgia, in 1949. Its early development followed the pattern of a locally rooted community bank that expanded through a combination of acquisitions, branch openings and the creation of specialized financial subsidiaries. By 1984, the bank had reached $42 million in assets, and Jimmy C. Tallent became president. United Community Banks, Inc. was incorporated as a holding company in 1987 and acquired Union County Bank the following year. The operating bank was later renamed United Community Bank (Georgia) in 1996. During the 1990s and 2000s, United broadened its presence across northern Georgia and western North Carolina through acquisitions of community banks and bank holding companies. It later entered or expanded in Tennessee, South Carolina and other Southeastern markets. The company became publicly listed on Nasdaq in 2002 and completed its first public stock offering in 2005. Its acquisition program continued with transactions involving First Georgia Holding, Fairbanco Holding, Eagle National Bank, Liberty National Bancshares, Southern Bancorp, Gwinnett Commercial Group and Southern Community Bank. These transactions increased its scale while retaining a regional banking orientation. A further expansion phase from 2014 through 2020 added capabilities and markets beyond traditional branch banking. Acquisitions included Business Carolina, MoneyTree Corporation and First National Bank of Lenoir City, Palmetto Bancshares, Four Oaks Fincorp, NLFC Holdings and Navitas Credit Corp., and Three Shores Bancorporation with Seaside Bank and Trust. The Navitas transaction gave United an equipment-finance platform, while the Three Shores transaction established a stronger presence in Florida. The bank continued to grow in the 2020s. It announced plans in 2021 to move its corporate headquarters to downtown Greenville, South Carolina, and completed the acquisition of Aquesta Financial Holdings that October. The Aquesta transaction increased reported assets to approximately $18.6 billion at that point. In 2022, United completed mergers with Reliant Bancorp in Tennessee and Progress Bank & Trust of Huntsville, Alabama. In April 2024, it opened United Center, a 200,000-square-foot corporate headquarters in Greenville that houses more than 300 employees and was described as South Carolina's first WELL Certified building. In 2025, the company finalized an all-stock acquisition of ANB Holdings, the Florida-based parent of American National Bank, in a transaction reported at approximately $80 million. United's business model combines relationship banking with a broad product set. Consumer offerings include checking, savings, money-market, interest-bearing and non-interest-bearing deposit accounts, mortgage services and other everyday banking products. Business and corporate customers can access commercial lending, treasury management, advisory services and other financial products through the Corporate/Commercial Banking Group. Specialist operations include United Community Private Bank, United Community Wealth Management and the United Community SBA Group. Through wholly owned Navitas Credit Corp., the organization also provides equipment lending. The brand's overall positioning is that of a regionally scaled bank that retains community-bank relationships while offering the breadth of a full-service financial institution.
History
United Community Bank began as Union County Bank in Blairsville, Georgia, in 1949. By 1984, the institution had grown to $42 million in assets, and Jimmy C. Tallent was appointed president. United Community Banks, Inc. was formed as a holding company in 1987 and acquired Union County Bank in 1988. The bank later adopted the United Community Bank (Georgia) name in 1996. The organization expanded during the 1990s through a succession of acquisitions in Georgia and North Carolina. It acquired Citizens Bank of Murphy in 1990, United Community Bank of Towns County in 1992, White County Bank of Cleveland in 1995 and Rabun County Bank in 1997. It also added branches in Andrews, Franklin and Waynesville, North Carolina, and acquired banking assets associated with Cornelia and First Clayton Bank and Trust. In 1999, United acquired Adairsville Bancshares, the parent of Bank of Adairsville, together with 1st Floyd Bank. Those institutions were later integrated into United Community Bank (Georgia). The company continued broadening its financial platform in 2000 through acquisitions involving North Point Bancshares, Independent Bancshares and Brintech. Its consumer-finance division was sold to Lendmark Financial Services that year. United Community Banks became a Nasdaq-listed public company in 2002. In 2003, it acquired First Georgia Holding and added First Central Bank of Lenoir City in Tennessee. As assets passed $5 billion in 2004, it completed acquisitions of Fairbanco Holding, Eagle National Bank and Liberty National Bancshares. The company carried out its first public stock offering in 2005. In 2006, United acquired Southern Bancorp, parent of Southern National Bank, in a stock transaction and purchased two Sylva, North Carolina, offices from First Charter Bank. The 2007 acquisition of Gwinnett Commercial Group, parent of First Bank of the South, further increased its Georgia presence. United also acquired the assets and most liabilities of Southern Community Bank with assistance from the Federal Deposit Insurance Corporation. From 2014 to 2020, United pursued another major regional expansion. It acquired Business Carolina in 2014; MoneyTree Corporation and First National Bank of Lenoir City in 2015; Palmetto Bancshares in 2015; Four Oaks Fincorp in 2017; NLFC Holdings and Navitas Credit Corp. in 2018; and Three Shores Bancorporation with Seaside Bank and Trust in 2020. These transactions added branches and deposits while extending the bank into South Carolina and Florida and adding equipment finance to its capabilities. In 2021, United announced a move of its corporate headquarters to downtown Greenville, South Carolina. It also completed the acquisition of Aquesta Financial Holdings in October, bringing its reported assets to roughly $18.6 billion. In 2022, it completed mergers with Reliant Bancorp and Progress Bank & Trust. The new Greenville headquarters, United Center, officially opened in April 2024. The facility measures approximately 200,000 square feet, houses more than 300 employees and was described as the first WELL Certified building in South Carolina. In 2025, United finalized the acquisition of ANB Holdings, parent of American National Bank in Oakland Park, Florida. The transaction was structured as an all-stock deal and reported at approximately $80 million. Today, United operates as a full-service regional bank across six Southeastern states. Its offerings span consumer deposits and mortgages, commercial and corporate banking, treasury management, private banking, wealth management, SBA lending and equipment finance. The institution's growth has preserved a community-bank identity while adding the geographic reach and specialist divisions associated with a larger regional banking group.
- 2025
ANB Holdings acquisition finalized
[1]United completed an all-stock acquisition of ANB Holdings, parent of American National Bank.
- 2024
United Center opens
[1]United opened its new corporate headquarters in Greenville, South Carolina.
- 2022
Reliant Bancorp and Progress Bank mergers
[1]United completed mergers with Reliant Bancorp and Progress Bank & Trust.
- 2021
Aquesta acquisition and Greenville headquarters plan
[1]United announced its Greenville headquarters project and completed the acquisition of Aquesta Financial Holdings.
- 2020
Entry into Florida through Three Shores
[1]The acquisition of Three Shores Bancorporation and Seaside Bank and Trust expanded United's presence into Florida.
- 2018
Navitas Credit acquisition
[1]United acquired NLFC Holdings and Navitas Credit Corp., adding equipment lending to its financial-services platform.
- 2005
First public stock offering
[1]The company completed its first public stock offering.
- 2002
Nasdaq listing
[1]United Community Banks became a publicly listed company on Nasdaq.
- 1988
Holding company acquires Union County Bank
[1]The newly formed holding company acquired Union County Bank.
- 1987
United Community Banks holding company is incorporated
[1]United Community Banks, Inc. was incorporated as the bank holding company.
Products and positioning
A Southeastern relationship bank combining community-oriented service with the scale, product breadth and specialist capabilities of a large regional financial institution.
Retail banking
Consumer Banking
United provides everyday consumer banking products including checking, savings, NOW, money-market, interest-bearing and non-interest-bearing deposit accounts. These products support routine payments, savings and cash management for individuals and households within the bank's Southeastern service area.
Residential lending
Mortgage Services
The bank offers mortgage services as part of its consumer-finance portfolio. The reference material identifies mortgages as a core offering but does not provide a detailed breakdown of loan types, underwriting criteria or distribution channels.
Business banking
Corporate and Commercial Banking
United's Corporate/Commercial Banking Group serves commercial and corporate clients with banking, lending, advisory and treasury-management services. The offering is intended to combine relationship coverage with the more specialized financing and cash-management needs of established businesses.
Private banking
United Community Private Bank
United Community Private Bank is a specialist division serving private-banking customers. The supplied material identifies the division but does not specify its complete product menu or eligibility requirements.
Wealth management
United Community Wealth Management
The wealth-management division extends the bank's services beyond deposits and lending into advisory and investment-related client support. Detailed mandates, fee structures and investment products are not specified in the supplied references.
Small-business lending
United Community SBA Group
The SBA Group focuses on financing associated with the U.S. Small Business Administration. It gives United a dedicated platform for serving small businesses that may use government-supported lending structures.
Equipment lending · 2018
Navitas Equipment Finance
Through wholly owned subsidiary Navitas Credit Corp., United offers equipment lending and finance. The capability entered the organization through the 2018 acquisition of NLFC Holdings and provides a specialized financing channel for commercial equipment purchases.
Brand decisions
2025
Acquire ANB HoldingsM&ABackground
United continued its Southeastern expansion with a transaction involving the Florida-based parent of American National Bank.
Action taken
United finalized an all-stock acquisition of ANB Holdings.
Aftermath
The acquisition expanded United's Florida operations; the supplied reference does not provide further integration results.
Reported transaction value. Approximately $80 million (2025)
2021
Relocate corporate headquarters to GreenvilleStrategyBackground
United sought a central corporate location reflecting its growing Southeastern banking platform and South Carolina headquarters identity.
Action taken
The company announced construction of a new headquarters in downtown Greenville, later opened as United Center.
Aftermath
The completed facility opened in April 2024 and became the company's corporate headquarters.
Planned construction investment. $65 million planned investment (Announced in 2021)
Sources1 sources
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