United Community Banks (NYSE: UCB) reports Q4 2025 results, sets call

Rhea-AI Filing Summary

United Community Banks, Inc. reported that it has released its financial results for the fourth fiscal quarter of 2025 through a press release dated January 14, 2026. The company is treating this press release, furnished as Exhibit 99.1, as supplemental information that is not deemed filed for liability purposes under the Exchange Act.

On the same day, United Community Banks plans to host an earnings conference call and webcast at 9:00 a.m. Eastern Time to discuss the fourth quarter 2025 results. A related slide presentation for this call is furnished as Exhibit 99.2 and will also be available on the company’s website under the Investor Relations – Events and Presentations section.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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): January 14, 2026

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

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 January 14, 2026, United Community Banks, Inc. (“United Community”) issued a press release announcing financial results for its fourth 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 January 14, 2026, United Community will hold an earnings conference call and webcast at 9:00 a.m. (Eastern Time) to discuss financial results for its fourth 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 January 14, 2026.
99.2		Slide presentation to be used during January 14, 2026 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: January 14, 2026

FAQ

What did United Community Banks, Inc. (UCB) disclose in this 8-K filing?

United Community Banks, Inc. disclosed that it issued a press release announcing financial results for its fourth fiscal quarter of 2025 and furnished the release as Exhibit 99.1.

Does this United Community Banks, Inc. (UCB) filing include the actual Q4 2025 financial results?

The filing itself does not detail the Q4 2025 financial results; instead, it states that the results are contained in a separate press release furnished as Exhibit 99.1.

When is United Community Banks, Inc. (UCB) holding its Q4 2025 earnings conference call?

United Community Banks, Inc. will hold its earnings conference call and webcast on January 14, 2026 at 9:00 a.m. Eastern Time to discuss Q4 2025 results.

How can investors access the United Community Banks, Inc. (UCB) Q4 2025 earnings call materials?

Investors can access the call using information in the press release and view the related slide presentation, furnished as Exhibit 99.2, on the company’s website under “Investor Relations – Events and Presentations.”

Are the exhibits in this United Community Banks, Inc. (UCB) 8-K considered filed or furnished?

The press release (Exhibit 99.1) and slide presentation (Exhibit 99.2) are furnished, not filed, and are stated as not subject to Section 18 liabilities or automatically incorporated into other securities filings.

Which exhibits are included with this United Community Banks, Inc. (UCB) 8-K?

The 8-K includes Exhibit 99.1, the press release announcing Q4 2025 results; Exhibit 99.2, the slide presentation for the earnings call; and Exhibit 104, the cover page formatted in Inline XBRL.