[8-K] UNITED COMMUNITY BANKS INC Reports Material Event

Rhea-AI Filing Summary

United Community Banks, Inc. furnished a press release announcing financial results for its third fiscal quarter of 2025 and scheduled an earnings conference call and webcast for 9:00 a.m. Eastern Time on October 22, 2025. The press release is provided as Exhibit 99.1, and the related slide presentation for the call is furnished as Exhibit 99.2 and will be available on the company’s website under Investor Relations – Events and Presentations. Information furnished under Items 2.02 and 7.01 is not deemed filed under Section 18 of the Exchange Act.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): October 22, 2025

UNITED COMMUNITY BANKS, INC.

(Exact name of registrant as specified in its charter)

Georgia	001-35095	58-1807304
(State or other jurisdiction of incorporation)	(Commission file number)	(IRS Employer Identification No.)

200 East Camperdown Way
Greenville, South Carolina 29601
(Address of principal executive offices)

Registrant’s telephone number, including area code:
(800) 822-2651

Not applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

	¨	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
	¨	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
	¨	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
	¨	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of Each Class		Trading Symbol(s)		Name of Each Exchange on Which Registered
Common stock, par value $1 per share		UCB		New York Stock Exchange
Depositary shares, each representing 1/1000th interest in a share of Series I Non-Cumulative Preferred Stock		UCB PRI		New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨ 

Item 2.02	Results of Operations and Financial Condition.
	On October 22, 2025, United Community Banks, Inc. (“United”) issued a press release announcing financial results for its third fiscal quarter of 2025. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. The information furnished pursuant to this Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under Section 18 of the Exchange Act and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.
Item 7.01	Regulation FD Disclosure.
	On October 22, 2025, United will hold an earnings conference call and webcast at 9:00 a.m. (Eastern Time) to discuss financial results for its third fiscal quarter of 2025. The press release referenced above in Item 2.02 contains information about how to access the conference call and webcast. A copy of the slide presentation to be used during the earnings call and webcast is furnished as Exhibit 99.2 to this Current Report on Form 8-K. The slide presentation also will be available on our website, www.ucbi.com, under the “Investor Relations – Events and Presentations” section. The information furnished pursuant to this Item 7.01, including Exhibit 99.2, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities under Section 18 of the Exchange Act and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.
Item 9.01	Financial Statements and Exhibits.
(d) Exhibits

EXHIBIT INDEX

Exhibit No.		Description
99.1		United Community Banks, Inc. Press Release, dated October 22, 2025.
99.2		Slide presentation to be used during October 22, 2025 earnings call.
104		The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	UNITED COMMUNITY BANKS, INC.
	By:	/s/ Jefferson L. Harralson
		Jefferson L. Harralson
		Executive Vice President and
		Chief Financial Officer
Date: October 22, 2025

FAQ

What did United Community Banks (UCB) disclose in this 8-K?

UCB furnished a press release with financial results for its third fiscal quarter of 2025 (Exhibit 99.1) and a slide deck for the earnings call (Exhibit 99.2).

When is UCB’s Q3 2025 earnings call and webcast?

On October 22, 2025 at 9:00 a.m. Eastern Time.

Where can I find UCB’s presentation slides for the call?

On the company’s website at www.ucbi.com under Investor Relations – Events and Presentations, and as Exhibit 99.2.

Are the Q3 2025 materials considered filed with the SEC?

No. The information furnished under Items 2.02 and 7.01, including Exhibits 99.1 and 99.2, is not deemed filed under Section 18 of the Exchange Act.

What exhibits are included with UCB’s Q3 2025 update?

Exhibit 99.1 (press release), Exhibit 99.2 (earnings call slides), and Exhibit 104 (cover page Inline XBRL).

What securities does UCB list on the NYSE?

Common stock (UCB) and depositary shares representing 1/1000th of a share of Series I Non-Cumulative Preferred Stock (UCB PRI).