United Community Banks director gets stock unit grant

Carande Carl Steven reported acquisition or exercise transactions in this Form 4 filing.

Accepted by SEC EDGAR 08/03/2026 - 04:06 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

Carande Carl Steven reported acquisition or exercise transactions in this Form 4 filing.

United Community Banks Inc. director Carl Steven Carande reported a grant of 1,588 restricted stock units tied to Common Stock on 2026-08-01. The award was granted at $0.0000 per share, increasing his reported direct holdings to 1,588 units. The footnote states these 2026 restricted stock units vest the day before the issuer's next annual meeting.

Insider Trade Summary

Grant/Award: 1,588 shares

Grant/Award 1 txn

Insider Carande Carl Steven

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	1,588	$0.00	$0.00

Holdings After Transaction: Common Stock — 1,588 shares (Direct)

Footnotes (1)

1. F1. Reflects grant of 2026 restricted stock units, which vest the day before the Issuer's next annual meeting.

Key Figures

Restricted stock units granted: 1,588 units Grant price per unit: $0.0000 per share Holdings after grant: 1,588 shares +1 more

4 metrics

Restricted stock units granted 1,588 units Grant dated 2026-08-01 to director Carl Steven Carande

Grant price per unit $0.0000 per share Reported transaction price for the 1,588-unit award

Holdings after grant 1,588 shares Total shares following the reported transaction

Rule 10b5-1 affirmation false Document-level 10b5-1 checkbox (aff_10b5_one)

Key Terms

restricted stock units, grant, award, or other acquisition, annual meeting

3 terms

restricted stock units financial

"Reflects grant of 2026 restricted stock units, which vest the day before"

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.

grant, award, or other acquisition financial

"transaction_code_description": "Grant, award, or other acquisition""

annual meeting financial

"units, which vest the day before the Issuer's next annual meeting"

A company's annual meeting is a yearly gathering where owners (shareholders) and the board review performance, ask questions, and vote on key matters like electing directors, approving auditor choices, and sometimes setting pay or dividend policies. For investors it matters because decisions made and votes cast can change who runs the company, influence strategy and payouts, and affect the value or direction of their investment—similar to a homeowners’ meeting where rules and leaders that shape your property’s value are decided.

FAQ

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

What transaction did Carl Steven Carande report in United Community Banks Inc. (UCB)'s latest Form 4?

Carl Steven Carande reported a grant of 1,588 restricted stock units tied to United Community Banks Inc. Common Stock on 2026-08-01. The units were awarded at $0.0000 per share as a compensation-related grant/award acquisition, not an open-market purchase or sale.

How many United Community Banks Inc. (UCB) shares or units does Carl Steven Carande hold after this Form 4?

After the reported grant, Carl Steven Carande's direct holdings total 1,588 units of United Community Banks Inc. equity as reported. The Form 4 shows 1,588.0000 total shares following the transaction, all classified under direct ownership on the non-derivative Common Stock line.

When do Carl Steven Carande's 2026 restricted stock units at United Community Banks Inc. (UCB) vest?

The footnote explains that the 2026 restricted stock units granted to Carl Steven Carande vest the day before the issuer's next annual meeting. This links vesting to the timing of United Community Banks Inc.'s upcoming annual shareholder meeting rather than to a fixed calendar date.

Was the United Community Banks Inc. (UCB) Form 4 transaction by Carande under a Rule 10b5-1 trading plan?

The Form 4 indicates the Rule 10b5-1 checkbox is not affirmed for this report (aff_10b5_one is false). The transaction is characterized as a compensation-related grant or award, not as a purchase or sale executed under a pre-arranged 10b5-1 trading plan.

What type of security was granted to Carl Steven Carande in this United Community Banks Inc. (UCB) filing?

The non-derivative table lists the security as Common Stock, with a footnote clarifying it reflects a grant of 2026 restricted stock units. These units relate to United Community Banks Inc. Common Stock and were awarded at $0.0000 per share as part of director compensation.

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

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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^*

Carande Carl Steven

(Last) (First) (Middle)

200 EAST 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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/01/2026

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	08/01/2026		A		1,588(1)	A	$0	1,588	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. Reflects grant of 2026 restricted stock units, which vest the day before the Issuer's next annual meeting.

Remarks:

	/s/ Melinda Davis Lux	08/03/2026
	** 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)