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EXHIBIT 21
Subsidiaries of United Community Banks, Inc. as of December 31, 2022
Subsidiary State of Organization
United Community Bank South Carolina
Navitas Credit Corp. Florida
NLFC Reinsurance Corp. Tennessee
UCB Investments, Inc. North Carolina
UCB Funding Corp. Georgia
United Community Development Corporation Georgia
UCBI Georgia Credits LLC Georgia
United Community Payment Systems, LLC (50% owned by United Community Bank) Delaware
TFG Holdings, LLC Delaware
Seaside Capital Management, Inc. Florida
FinTrust Brokerage Services, LLC North Carolina
FinTrust Insurance and Benefits, Inc. Florida
FinTrust Capital Advisors, LLC Georgia
Community First Trups Holding Company Tennessee
Community First Capital Trust I Delaware
Community First Capital Trust II Delaware
Community First Capital Trust III Delaware
Tidelands Statutory Trust I Delaware
Four Oaks Statutory Trust I Delaware