United Community Banks CFO reports no stock holdings

UNITED COMMUNITY BANKS INC (UCB) filed an initial statement of beneficial ownership for executive vice president and chief financial officer Speir Thomas Hardaway.

Rhea-AI Filing Summary

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.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Speir Thomas Hardaway

Role EVP, CFO

Type	Security	Shares	Price	Value
holding	Common Stock F1	--	--	--

Holdings After Transaction: Common Stock — 0 shares (Direct)

Footnotes (1)

1. F1. No securities are beneficially owned.

Key Figures

Common Stock beneficially owned: 0 shares

1 metrics

Common Stock beneficially owned 0 shares Shares of UNITED COMMUNITY BANKS INC Common Stock reported as owned following the position

Key Terms

beneficially owned, Common Stock, Form 3

3 terms

beneficially owned financial

"footnote stating that no securities are beneficially owned"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

Common Stock financial

"security title listed as Common Stock for the holding entry"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Form 3 regulatory

"initial statement of beneficial ownership of securities on Form 3"

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does the Form 3 filing report for UCB executive Speir Thomas Hardaway?

It reports that Speir Thomas Hardaway, EVP and CFO of UCB, has no beneficial ownership of UNITED COMMUNITY BANKS INC Common Stock as of the date of the filing.

Does the UCB CFO currently own any UNITED COMMUNITY BANKS INC common shares?

No. The Form 3 footnote explicitly states that no securities are beneficially owned, and the Common Stock holding line shows 0 shares owned following the reported position.

Is there any buy or sell transaction disclosed in this UCB Form 3?

No. The Form 3 is an initial ownership report and shows a holding entry with 0 shares of Common Stock and no reported purchases or sales.

What security class is covered in this UCB Form 3 for the CFO?

The filing covers Common Stock of UNITED COMMUNITY BANKS INC. For this class, the reporting person shows 0 shares beneficially owned after the reported position.

Are there any derivative securities reported for the UCB CFO on this Form 3?

No. The derivative securities section is empty, and the summary of derivative positions shows no derivative transactions or holdings reported for the UCB CFO in this filing.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/08/2026 - 04:03 PM EDT Accepted by SEC EDGAR 09/08/2026 - 04:02 PM EDT Learn about SEC filing dates

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Speir Thomas Hardaway

(Last) (First) (Middle)

200 E CAMPERDOWN WAY

(Street)

GREENVILLE SOUTH CAROLINA 29601

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
09/08/2026

3. Issuer Name and Ticker or Trading Symbol
UNITED COMMUNITY BANKS INC [ UCB ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, CFO

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	0(1)	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. No securities are beneficially owned.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	09/08/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)