Welcome to our dedicated page for UNITED COMMUNITY BANKS SEC filings (Ticker: UCB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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 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.
UNITED COMMUNITY BANKS, INC. (UCB) completed the sale of its equipment finance business, Navitas Credit Corp. and NLFC Reinsurance Corp. (collectively Navitas), to funds managed by Wafra Inc., acting through Navitas TopCo LLC, for approximately $2.0 billion in cash based on August 28, 2026 financials, subject to closing adjustments.
The transaction reflects a 7% premium to the par value of Navitas’ loan portfolio, which management describes as an attractive monetization. United states that the sale reinforces its focus on core Southeastern relationship banking and is expected to enhance liquidity, strengthen capital, simplify its business model, and reduce its risk profile.
Navitas had been a strong contributor over the past eight years, providing growth and returns. As of June 30, 2026, United had $29.1 billion in assets and operated 200 offices across six Southeastern states. BofA Securities advised United financially, with multiple law firms advising both parties.
UNITED COMMUNITY BANKS, INC. (UCB) announced that its Board approved the hiring of Tom Speir as Executive Vice President and Chief Financial Officer, effective September 8, 2026, succeeding current CFO Jefferson L. Harralson. Harralson will remain CFO until that date and then continue in another role through December 31, 2026 to support an orderly transition, under an existing April 28, 2026 agreement. Speir, age 44, has more than 20 years of financial services experience, including senior roles at Regions Financial Corp. in investor relations, strategy, corporate development and treasury.
The company outlines Speir’s compensation package, including a $600,000 base salary, annual target bonus equal to 80% of base salary (with the 2026 bonus at 100% of target, subject to a company performance multiplier), a $215,000 sign-on bonus, annual target equity grants equal to 115% of base salary, and a $450,000 sign-on equity grant vesting 50% per year over two years. He will also receive certain perquisites such as auto and club allowances, temporary housing and relocation benefits and will be party to the company’s standard Change in Control Continuity Agreement for executives at his level.
UNITED COMMUNITY BANKS INC executive Alan H. Kumler, SVP and Chief Accounting Officer, reported a Form 4 transaction involving 514 shares of common stock on 2026-08-15. The shares were withheld to satisfy tax withholding obligations upon vesting of restricted stock units, leaving him with 20,680 directly held shares of common stock.
UNITED COMMUNITY BANKS INC director Carl Steven Carande reported an open-market purchase of 2,101 shares of Common Stock on August 10, 2026 at $35.35 per share. Following this transaction, his directly held position increased to 3,689 shares of the company.
FMR LLC filed Amendment No. 3 reporting beneficial ownership of United Community Banks Inc common stock. FMR LLC reports beneficial ownership of 8,027,052.08 shares of common stock, representing 6.7% of the class. FMR LLC has sole voting power over 8,007,804 shares and sole dispositive power over 8,027,052.08 shares, with no shared voting or dispositive power.
Abigail P. Johnson is also listed as a reporting person, with sole dispositive power over 8,027,052.08 shares and no voting or shared powers, reflecting her control position over FMR LLC and its subsidiaries. One or more other persons are known to have rights to receive dividends or sale proceeds from these shares, but no such person holds more than five percent of the outstanding common stock. Subsidiaries that acquired the securities are identified in an attached Exhibit 99.