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| Subsidiary | State of Organization |
| | |
| United Community Bank | South Carolina |
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| Navitas Credit Corp. | Florida |
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| NLFC Reinsurance Corp. | Tennessee |
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| UCB Investments, Inc. | North Carolina |
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| UCB Funding Corp. | Georgia |
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| United Community Development Corporation | Georgia |
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| UCBI Georgia Credits, LLC | Georgia |
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| United Community Payment Systems, LLC (50% owned by United Community Bank) | Delaware |
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| TFG Holdings, LLC | Delaware |
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| FNBSM The Falls, LLC | Florida |
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| United Community Public Finance, Inc. | Delaware |
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| FinTrust Brokerage Services, LLC | North Carolina |
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| United Community Insurance, Inc. | Florida |
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| FinTrust Capital Advisors, LLC | Georgia |
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| Community First Capital Trust II | Delaware |
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| Tidelands Statutory Trust I | Delaware |
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| Four Oaks Statutory Trust I | Delaware |