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RBKB vs UCB

Rhinebeck Bancorp, Inc. Common Stock and United Community Banks, Inc.

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Rhinebeck Bancorp, Inc. Common Stock

Rhinebeck Bancorp, Inc. operates as the bank holding company for Rhinebeck Bank that provides banking and financial products and services to consumer and commercial customers in the Hudson Valley region of New York. The company offers deposits, including non-interest-bearing demand, interest bearing demand, money market, commercial and personal checking, individual retirement, and saving accounts, as well as certificates of deposit. It also provides direct and indirect automobile loans; non-residential commercial real estate loans; commercial business loans, such as term loans, revolving lines of credit, and lines of credit; residential mortgage and construction, one- to four-family residential real estate, multi-family real estate, commercial construction, and land development loans; and other consumer loans consist of home equity loans and lines of credit. In addition, the company offers retail brokerage and advisory services; life insurance services; and invests in mutual funds, annuities, and other assets. The company was founded in 1860 and is headquartered in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates as a subsidiary of Rhinebeck Bancorp, MHC.

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United Community Banks, Inc.

United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estate, commercial, consumer, secured and unsecured, and mortgage loans to individuals, small and mid-sized businesses, and non-profit organizations. It also originates loans partially guaranteed by the United States Small Business Administration and the United States Department of Agriculture loan programs. In addition, the company provides private banking, investment management, investment advice, financial planning, estate, and retirement planning and insurance products and services; trust services to manage fiduciary assets; non-deposit investment and insurance products, including life insurance, long-term care insurance, and tax-deferred annuities; and reinsurance on property insurance contracts. United Community Banks, Inc. was founded in 1950 and is headquartered in Greenville, South Carolina.

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