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This page provides access to United Community Banks, Inc. (UCB) filings with the U.S. Securities and Exchange Commission, along with AI-generated highlights to help interpret the disclosures. United Community is a financial holding company for United Community, a regional bank that trades on the New York Stock Exchange under the symbol UCB, as noted in its Form 8-K dated October 22, 2025.
Investors can use this filings feed to review current reports on Form 8-K, which United Community files to report quarterly earnings, capital actions and other material events. For example, Form 8-K filings dated October 22, 2025 and January 14, 2026 describe the release of third and fourth quarter 2025 financial results and provide details on associated conference calls and slide presentations. Another Form 8-K dated December 8, 2025 discusses Board approval of a common stock repurchase program, including the authorized amount and program terms.
The filings list also includes Form 25 notifications related to the removal from listing and/or registration of specific securities. Two Form 25 filings dated September 15, 2025 identify United Community Banks, Inc. as the issuer and the New York Stock Exchange as the exchange, and they describe the affected class as depositary shares, each representing a 1/1000th interest in a share of Series I Non-Cumulative Preferred Stock. These documents outline the regulatory process for striking that preferred stock depositary share class from listing.
On Stock Titan, AI-powered summaries can help explain the key points in long or technical filings, such as earnings-related 8-Ks or notices about repurchase programs and preferred stock redemptions. Real-time updates from EDGAR ensure that new UCB filings appear promptly, while structured views make it easier to locate items related to earnings, capital management, listing status of specific securities and other regulatory disclosures.
UNITED COMMUNITY BANKS INC executive Richard Bradshaw reported an open-market sale of 1,510 shares of common stock at $33.09 per share. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. After this sale, he continues to hold 84,497 shares directly.
United Community Banks, Inc. announced that Executive Vice President and Chief Financial Officer Jefferson L. Harralson will retire effective December 31, 2026, under an agreement dated April 28, 2026.
Through that date, he will remain an at-will employee, continue receiving his regular salary and automobile allowance, participate in benefit plans, and be reimbursed for company expenses. If he remains employed through year-end, he will receive his 2026 incentive bonus when determined and a $1 million cash severance, payable no later than January 15, 2027.
The agreement also makes Harralson eligible, as of the termination date, for a minimum early retirement benefit of $70,000 annually under the company’s Modified Retirement Plan, payable as a life annuity or adjusted under alternative payment methods. A prior Change in Control Continuity Agreement will end on his separation date, with benefits instead governed by this new arrangement unless change-in-control benefits are triggered earlier. United Community has engaged Korn Ferry to conduct a nationwide search for his successor, and Harralson will remain through year-end to support a smooth transition.
United Community Banks reported Q1 2026 results and discussed the announced acquisition of Peach State Bancshares. Q1 net income was about $84 million, EPS $0.69 (operating EPS $0.70, a 19% increase vs. Q1 2025). Loan growth annualized was 4.5%, net interest margin was 3.65%, and credit metrics remained strong with net charge-offs of 22 bps and NPAs of 50 bps. Capital remains robust: CET1 13.4% and TCE 9.92%, with a $0.25 quarterly dividend and $37 million of share repurchases in Q1.
Acquisition details: Peach State has about $800 million of assets and $713 million of deposits. Deal value is ~$100 million, paid 50/50 cash and stock at 1.9x tangible book and 6x cost-saved earnings, with estimated 40% cost saves. United estimates the deal is $0.09 accretive in 2027 and $0.12 accretive after the planned repurchase of the issued shares by year-end.
United Community Banks reported Q1 2026 results and discussed the announced acquisition of Peach State Bancshares. Q1 net income was about $84 million, EPS $0.69 (operating EPS $0.70, a 19% increase vs. Q1 2025). Loan growth annualized was 4.5%, net interest margin was 3.65%, and credit metrics remained strong with net charge-offs of 22 bps and NPAs of 50 bps. Capital remains robust: CET1 13.4% and TCE 9.92%, with a $0.25 quarterly dividend and $37 million of share repurchases in Q1.
Acquisition details: Peach State has about $800 million of assets and $713 million of deposits. Deal value is ~$100 million, paid 50/50 cash and stock at 1.9x tangible book and 6x cost-saved earnings, with estimated 40% cost saves. United estimates the deal is $0.09 accretive in 2027 and $0.12 accretive after the planned repurchase of the issued shares by year-end.
United Community Banks, Inc. reported stronger first-quarter 2026 results, with net income of $84.3 million and diluted EPS of $0.69, up 19% from a year earlier. Total revenue rose to $276.5 million, driven by higher net interest revenue and noninterest income, producing operating pre-tax, pre-provision income of $119.2 million.
Profitability improved, with return on assets at 1.22%, operating return on common equity at 9.39%, and operating return on tangible common equity at 13.05%. The fully taxable-equivalent net interest margin expanded to 3.65%, up 29 basis points from first quarter 2025.
Credit quality remained controlled: net charge-offs were $10.4 million, or 0.22% of average loans, and nonperforming assets were 0.35% of total assets. Loans grew to $19.6 billion, while deposits reached $24.0 billion. The allowance for credit losses on loans was $208.4 million, or 1.06% of loans.
Capital stayed solid, with tangible common equity to tangible assets at 9.92% and book value per share at $30.54. The company repurchased 1.09 million common shares at an average price of $33.97 and plans to redeem its remaining $100 million of subordinated debentures in the second quarter. United also executed a definitive agreement to acquire Peach State Bancshares, Inc., adding a new community banking franchise, with further details provided in a separate SEC presentation.
United Community Banks, Inc. reported stronger first-quarter 2026 results, with net income of $84.3 million and diluted EPS of $0.69, up 19% from a year earlier. Total revenue rose to $276.5 million, driven by higher net interest revenue and noninterest income, producing operating pre-tax, pre-provision income of $119.2 million.
Profitability improved, with return on assets at 1.22%, operating return on common equity at 9.39%, and operating return on tangible common equity at 13.05%. The fully taxable-equivalent net interest margin expanded to 3.65%, up 29 basis points from first quarter 2025.
Credit quality remained controlled: net charge-offs were $10.4 million, or 0.22% of average loans, and nonperforming assets were 0.35% of total assets. Loans grew to $19.6 billion, while deposits reached $24.0 billion. The allowance for credit losses on loans was $208.4 million, or 1.06% of loans.
Capital stayed solid, with tangible common equity to tangible assets at 9.92% and book value per share at $30.54. The company repurchased 1.09 million common shares at an average price of $33.97 and plans to redeem its remaining $100 million of subordinated debentures in the second quarter. United also executed a definitive agreement to acquire Peach State Bancshares, Inc., adding a new community banking franchise, with further details provided in a separate SEC presentation.
United Community Banks, Inc. (UCB) and Peach State Bancshares, Inc. entered into an Agreement and Plan of Merger announced on April 21, 2026, under which Peach State will merge into United and Peach State Bank & Trust will merge into United Community Bank.
The filing states United will file a registration statement on Form S-4 containing Peach State’s proxy statement and United’s prospectus to register the shares to be issued in the merger. The companies attached a joint press release and an investor presentation as exhibits.
United Community Banks, Inc. (UCB) and Peach State Bancshares, Inc. entered into an Agreement and Plan of Merger announced on April 21, 2026, under which Peach State will merge into United and Peach State Bank & Trust will merge into United Community Bank.
The filing states United will file a registration statement on Form S-4 containing Peach State’s proxy statement and United’s prospectus to register the shares to be issued in the merger. The companies attached a joint press release and an investor presentation as exhibits.
United Community Banks, Inc. plans to acquire Peach State Bancshares, Inc., parent of Peach State Bank & Trust, in a stock-and-cash merger valued at $100.8 million. Peach State shareholders may elect $31.75 in cash or 0.8978 United shares per Peach State share, subject to a 50% stock / 50% cash proration.
Peach State Bank, based in Gainesville, Georgia, had $788 million in assets, $498 million in loans and $713 million in deposits as of March 31, 2026. United, with $28.2 billion in assets and 200 offices across six Southeastern states, expects the deal to significantly expand its Gainesville market presence.
The merger is projected to increase United’s earnings per share in 2027 by about $0.09 (around 3%), or about $0.12 (around 4%) if United repurchases enough shares to offset dilution. The transaction targets an internal rate of return above 25% and is expected to close in the third quarter of 2026, subject to Peach State shareholder and regulatory approvals and customary conditions.
United Community Banks, Inc. plans to acquire Peach State Bancshares, Inc., parent of Peach State Bank & Trust, in a stock-and-cash merger valued at $100.8 million. Peach State shareholders may elect $31.75 in cash or 0.8978 United shares per Peach State share, subject to a 50% stock / 50% cash proration.
Peach State Bank, based in Gainesville, Georgia, had $788 million in assets, $498 million in loans and $713 million in deposits as of March 31, 2026. United, with $28.2 billion in assets and 200 offices across six Southeastern states, expects the deal to significantly expand its Gainesville market presence.
The merger is projected to increase United’s earnings per share in 2027 by about $0.09 (around 3%), or about $0.12 (around 4%) if United repurchases enough shares to offset dilution. The transaction targets an internal rate of return above 25% and is expected to close in the third quarter of 2026, subject to Peach State shareholder and regulatory approvals and customary conditions.
United Community Banks, Inc. is asking shareholders to vote at its virtual 2026 Annual Meeting on May 13, 2026 at 3:00 p.m. Eastern time. Items include electing 12 directors, an advisory vote on executive pay, and ratifying PricewaterhouseCoopers LLP as auditor for 2026.
The company highlights 2025 as its 75th anniversary and a year of improved performance, with operating earnings up 18% to $336 million, operating EPS up 18% to $2.71, and revenue exceeding $1 billion for the first time. Management notes more than $40 million of stock repurchases, continued dividend increases, a strong risk and governance framework, and a largely independent, skills-diverse 12‑member board, led by a combined Chairman/CEO and an active independent Lead Director.
The Vanguard Group filed Amendment No. 9 to a Schedule 13G/A reporting zero shares beneficially owned of United Community Banks common stock and 0% of the class. The filing states that on January 12, 2026 Vanguard underwent an internal realignment and certain subsidiaries will report ownership separately in reliance on SEC Release No. 34-39538.
The amendment is signed by Ashley Grim as Head of Global Fund Administration on 03/27/2026 and lists Amount beneficially owned: 0 with sole and shared voting and dispositive powers all 0.
UNITED COMMUNITY BANKS INC President & CEO H. Lynn Harton reported an indirect open-market sale of 25,000 shares of common stock at an average price of $34.636 per share. The shares were sold by the Herbert Lynn Harton Revocable Trust under a pre-arranged Rule 10b5-1 trading plan. Following this transaction, the trust held 84,123 shares indirectly, while Harton also reported 252,705 shares held directly.