EXHIBIT 21

Subsidiaries of United Community Banks, Inc. as of December 31, 2021.

Subsidiary	State of Organization
United Community Bank	South Carolina
Navitas Credit Corp.	Florida
NLFC Reinsurance Corp.	Tennessee
United Community Insurance Services, Inc.	Georgia
UCB Investments, Inc.	North Carolina
UCB Funding Corp.	Georgia
United Community Development Corporation	Georgia
UCB Real Estate Investments, Inc.	Georgia
UCBI Georgia Credits LLC	Georgia
Seaside Insurance, Inc.	Florida
Seaside Capital Management, Inc.	Florida
United Community Payment Systems, LLC (50% owned by United Community Bank)	Delaware
Broadstreet Title, LLC (50% owned by United Community Bank)	South Carolina
TFG Holdings, LLC	Delaware
FinTrust Capital Partners, LLC	South Carolina
FinTrust Brokerage Services, LLC	North Carolina
FinTrust Capital Benefits Group, LLC	Georgia
FinTrust Capital Advisors, LLC	Georgia
Tidelands Statutory Trust I	Delaware
Four Oaks Statutory Trust I	Delaware
HCSB Financial Trust I	Delaware