EXHIBIT 21

Subsidiaries of United Community Banks, Inc. as of December 31, 2022

SubsidiaryState 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