EXHIBIT 21

Subsidiaries of United Community Banks, Inc. as of December 31, 2023.

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
FNBSM The Falls, LLC	Florida
Seaside Capital Management, Inc.	Florida
FinTrust Brokerage Services, LLC	North Carolina
United Community Insurance, Inc. (formerly 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