Four Oaks Bank, operating under the United Community Bank brand, offers a wide range of financial services tailored to both individual and business clients. The bank serves communities across Georgia, North Carolina, Tennessee, and South Carolina, providing personal and business banking solutions, real estate and mortgage lending, and advisory services. Four Oaks Bank operates in the regional banking market, focusing on personalized customer service and community involvement. The business model revolves around generating revenue through interest on loans, fees for various banking services, and advisory fees. The bank prides itself on a strong culture of treating customers and employees with respect, fostering a collaborative environment, and contributing positively to the communities it serves.

Keywords: personal banking, business banking, mortgage lending, advisory services, Southeastern U.S., community involvement, customer service, financial solutions, regional bank, employee benefits.