United Community Banks grants CFO 12,752 RSUs

UCB’s CFO received a grant of 12,752 time-based restricted stock units vesting in 2027 and 2028.

Rhea-AI Filing Summary

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.

Insider Trade Summary

Grant/Award: 12,752 shares

Grant/Award 1 txn

Insider Speir Thomas Hardaway

Role EVP, CFO

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	12,752	$0.00	$0.00

Holdings After Transaction: Common Stock — 12,752 shares (Direct)

Footnotes (1)

1. F1. Represents grant of time-based restricted stock units, which vest 50% on November 15, 2027 and 50% on November 15, 2028.

Key Figures

Restricted stock units granted: 12,752 shares Vesting schedule first tranche: 50% Vesting schedule second tranche: 50% +2 more

5 metrics

Restricted stock units granted 12,752 shares Grant of time-based restricted stock units on September 8, 2026

Vesting schedule first tranche 50% First half of RSUs vesting on November 15, 2027

Vesting schedule second tranche 50% Second half of RSUs vesting on November 15, 2028

Price per share $0.00 per share Reported grant price for the 12,752 restricted stock units

Shares held directly after transaction 12,752 shares Direct holdings shown following the September 8, 2026 award

Key Terms

restricted stock units, time-based, vest, grant, award, or other acquisition

4 terms

restricted stock units financial

"Represents grant of time-based restricted stock units, which vest 50%"

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

time-based financial

"Represents grant of time-based restricted stock units, which vest 50%"

vest financial

"which vest 50% on November 15, 2027 and 50% on November 15, 2028"

A vest is the process by which an employee earns the right to receive certain benefits or ownership interests, such as stock or retirement funds, over time. It’s similar to earning a reward gradually, ensuring that the benefit becomes fully yours only after a set period or meeting specific conditions. This makes it important for investors because it determines when they can actually claim or use those benefits.

grant, award, or other acquisition financial

"transaction code description Grant, award, or other acquisition"

FAQ

What equity award did UCB (UNITED COMMUNITY BANKS INC) grant to its CFO?

UCB granted its EVP, CFO Thomas Hardaway Speir 12,752 time-based restricted stock units of Common Stock on September 8, 2026, acquired at a reported price of $0.00 per share as an equity compensation award.

When do the newly granted UCB restricted stock units vest?

The 12,752 time-based restricted stock units granted by UCB vest in two equal installments: 50% on November 15, 2027 and 50% on November 15, 2028, according to the award’s vesting schedule.

How many UCB shares does the CFO hold directly after this Form 4 transaction?

After the reported grant, the Form 4 shows the CFO holding 12,752 shares of UCB Common Stock directly in this award, matching the number of restricted stock units granted on September 8, 2026.

Was the UCB CFO’s Form 4 transaction a purchase or a compensation grant?

The Form 4 reports the transaction as a grant or award acquisition of Common Stock in the form of time-based restricted stock units, not an open-market purchase or sale.

Did the UCB CFO pay cash for the 12,752-share award?

No cash payment is indicated. The Form 4 reports a transaction price of $0.00 per share, consistent with a compensation grant of restricted stock units rather than a market transaction.

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

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

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

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

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

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/08/2026

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

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

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

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/08/2026		A		12,752	A(1)	$0	12,752	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents grant of time-based restricted stock units, which vest 50% on November 15, 2027 and 50% on November 15, 2028.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	09/09/2026
	** 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 4 (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 4: SEC 1474 (03-26)