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□ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31 , 2020 □ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-35095 Georgia ( State of incorporation ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K 125 Highway 515 East Blairsville , Georgia ( Address of principal executive offices ) UNITED COMMUNITY BANKS , INC . ( Exact name of registrant as specified in its charter ) Securities registered pursuant to Section 12 ( b ) of the Act : Title of Each Class Common stock , par value $ 1 per share Depositary shares , each representing 1 / 1000th interest in a share of Series I Non - Cumulative Preferred Stock Large accelerated filer Non - accelerated filer Registrant's telephone number , including area code : ( 706 ) 781-2265 冈 Trading Symbol ( s ) UCBI 58-1807304 ( I.R.S. Employer Identification No. ) 30512 ( Zip code ) UCBIO Securities registered pursuant to Section 12 ( g ) of the Act : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . Yes No > Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or Section 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes No Name of Each Exchange on Which Registered Nasdaq Global Select Market Nasdaq Global Select Market Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes + No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company ” and “ emerging growth company " in Rule 12b - 2 of the Exchange Act . Accelerated filer Smaller reporting company Emerging growth company ooo If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . □ Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C.7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Exchange Act ) . Yes No State the aggregate market value of the voting and non - voting common equity held by non - affiliates computed by reference to the price at which the common equity was last sold , or the average bid and asked price of such common equity , as of the last business day of the registrant's most recently completed second fiscal quarter : $ 1,567,580,828 ( based on shares held by non - affiliates at $ 20.12 per share , the closing stock price on the Nasdaq stock market on June 30 , 2020 ) . As of January 31 , 2021 , there were 86,736,280 shares of United Community Banks , Inc.'s common stock issued and outstanding . DOCUMENTS INCORPORATED BY REFERENCE Portions of the registrant's Proxy Statement for the 2021 Annual Meeting of Shareholders to be held on May 12 , 2021 ( the " 2021 Proxy Statement " ) are incorporated herein into Part III by reference .