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. (UCB) reported a third-quarter net loss of $139.745 million, compared with net income of $91.494 million a year earlier. Net interest revenue was $251.206 million, up from $233.629 million. The quarter included a $366 million pre-tax loss on sales of lower-yielding securities during a September portfolio repositioning.
UCB reclassified all held-to-maturity debt securities to available-for-sale, transferring securities with an amortized cost of $2.16 billion, then sold approximately $2.47 billion of selected available-for-sale securities. UCB said the repositioning was designed to reduce interest-rate risk, fund organic loan growth and increase investment portfolio yield. On September 1, UCB completed the sale of its Navitas equipment-finance subsidiary for $2.03 billion in cash consideration, recording a $62.2 million pre-tax gain. At September 30, $7.50 million of the sale consideration was recorded as a receivable.
On August 1, UCB acquired Peach State for total consideration of $103 million. Peach State operated two banking locations in Hall County, Georgia.
United Community Banks Inc. (UCB) reported that Richard Bradshaw, its EVP, Chief Banking Officer, disposed of 395 shares of Common Stock in a bona fide gift on October 29, 2026. The transaction was direct, and the reported price was $0.00 per share. After the gift, Bradshaw directly held 81,659 shares.
United Community Banks Inc. (UCB) EVP, Chief Banking Officer Richard Bradshaw reported direct sales on October 26, 2026: 1,339 common shares at $37.17 per share and 6 common shares at $36.98 per share.
United Community Banks Inc (UCB) lists Jefferson Harralson, an officer, as proposing to sell 21,032 common shares, with an aggregate market value of $775,450.00 and an approximate sale date of October 23, 2026, through Stifel Nicolaus & Company Inc. The sales history also reports that he sold 25,000 common shares on July 27, 2026, for $885,323.00 during the prior three months.
United Community Banks, Inc. (UCB) reported a third-quarter GAAP net loss of $139.7 million, compared with net income of $91.5 million a year earlier. The quarter included a $366.1 million pre-tax loss on securities portfolio repositioning; non-GAAP operating net income was $93.7 million. Net interest revenue was $251.2 million, up 8% year over year, and net interest margin was 3.68%, stable from the prior quarter. Core loans grew 9.8% annualized and core customer deposits 8.0% annualized.
United sold its Navitas equipment finance business on September 1 for $2.0 billion in cash proceeds, a 7% premium to par, and completed the Peach State acquisition on August 1. It reclassified $2.2 billion of held-to-maturity securities as available-for-sale and sold low-yielding, long-dated securities with a $2.5 billion amortized cost basis, generating $2.1 billion in cash proceeds. Proceeds from both transactions were redeployed into higher-yielding securities and used to pay down borrowings. New loan production exceeded $1 billion for the second consecutive quarter.
UNITED COMMUNITY BANKS INC (UCB) reported that its Executive Vice President and Chief Financial Officer, Thomas Hardaway Speir, received an equity compensation grant of 12,752 shares of Common Stock on September 8, 2026. These shares are in the form of time-based restricted stock units that were acquired at no cash cost.
The restricted stock units vest 50% on November 15, 2027 and 50% on November 15, 2028, subject to the terms of the award. Following this grant, the filing shows the executive with 12,752 shares held directly in this award.
UNITED COMMUNITY BANKS INC (UCB) filed an initial statement of beneficial ownership for executive vice president and chief financial officer Speir Thomas Hardaway. The filing reports that he does not beneficially own any shares of Common Stock of UNITED COMMUNITY BANKS INC as of this filing.
UNITED COMMUNITY BANKS, INC. (UCB) outlined a major strategic repositioning centered on selling its Navitas equipment finance platform and restructuring its securities portfolio to reduce risk and support core bank growth. Navitas was sold for $2 billion of cash at a 7% premium, generating an expected $68 million pretax gain this quarter, on top of a $38 million reserve release recognized earlier. Management reclassified the held‑to‑maturity portfolio to available‑for‑sale and sold $2.6 billion of low‑yield, long‑duration securities, creating a $300 million pretax loss inclusive of the Navitas gain. Proceeds of about $4.2 billion are being redeployed: roughly $3 billion into shorter‑duration securities yielding around 4.5% and about $1.1 billion to pay down short‑term borrowings at about 3.8%. The securities portfolio is expected to be about $7 billion with a yield near 4% and duration near 2 years, while CET1 is projected above 13% and the loan‑to‑deposit ratio around 75% with essentially no short‑term borrowings. The company forecasts net interest margin in the low 3.60% range and operating ROA of about 1.25%–1.30%, expects high single‑digit loan growth in 2027, has repurchased $87 million of stock year‑to‑date (about 2% of shares) and added 42 revenue producers, while acknowledging tangible book value per share will decline from securities losses and the Peach State acquisition and buybacks.
UNITED COMMUNITY BANKS, INC. (UCB) completed several linked strategic actions, including selling its Navitas equipment finance businesses for approximately $2.0 billion in cash proceeds and executing a major balance sheet repositioning of its securities portfolio. The company reclassified $2.2 billion of held-to-maturity securities to available-for-sale and sold about $2.6 billion of lower-yielding, long-duration securities with a weighted-average yield of 2.20%, initially redeploying proceeds into shorter-duration assets yielding about 4.5%.
These moves are expected to generate an estimated pre-tax loss of roughly $300 million, net of a projected $64 million pre-tax gain on the Navitas sale, leading to a net loss for the third quarter of 2026 but positive net income for the nine months ended September 30, 2026. United reports that its pro forma Common Equity Tier 1 ratio remains strong at about 14.5% after the Navitas sale and is projected to stay above 13% after the securities repositioning and the Peach State Bancshares acquisition.
The board’s executive committee also authorized a $100 million increase to the existing share repurchase program, bringing remaining authorization to $113 million through December 31, 2027. United has repurchased $87 million of common shares in 2026, including $50 million in the third quarter that offsets Peach State-related share issuance, while adding 42 net new revenue producers and targeting high single-digit loan growth in 2027.
UNITED COMMUNITY BANKS INC (symbol: UCB) is the issuer of record for a Form 4 filing submitted to the SEC. KUMLER ALAN H reported acquisition or exercise transactions in this Form 4 filing.
UNITED COMMUNITY BANKS INC (UCB) reported that Alan H. Kumler, its Senior Vice President and Chief Accounting Officer, received a grant of 2,932 shares of common stock in the form of time-based restricted stock units on September 1, 2026. These RSUs vest in four equal 25% installments on November 15, 2027, August 15, 2028, August 15, 2029, and August 15, 2030. Following this award, Kumler directly holds 23,612 shares of the company’s common stock. No Rule 10b5-1 trading plan is reported for this grant.