Growth through Merger The recent merger between Four Oaks Bank and United Community Bank has expanded the bank's regional footprint and increased its customer base, presenting an opportunity to offer integrated financial solutions and cross-selling prospects across a broader community.

Strong Community Focus Receiving the 2025 ABA Foundation Community Commitment Award highlights the bank's emphasis on financial literacy and community engagement, providing an avenue to promote financial education programs and tailored banking products to socially conscious clients.

Leadership Expansion Strategic hires like the promotion of Sharon Thompson and addition of senior commercial lenders signal growth in commercial banking capabilities, opening doors for advanced treasury management, business lending, and corporate banking services.

Digital Technology Adoption Utilizing advanced tech stacks including GDPR compliance, NIST cybersecurity frameworks, and cloud virtualization indicates a commitment to secure, modern banking platforms, which can be leveraged to upsell cybersecurity solutions and enterprise software integrations.

Financial Performance & Awards With a revenue range of 10 to 25 million and multiple industry awards for brand excellence and community service, there are opportunities to target the bank for financial advisory, branding partnerships, and expansion of value-added banking products to their thriving client base.