Was cash paid for the 2,330-share grant at UNITED COMMUNITY BANKS INC (UCB)?

No cash was paid for this grant; the transaction price per share is listed as 0.0000. The 2,330 shares were awarded as 2026 restricted stock units, representing a compensation grant rather than a market transaction involving a purchase price.

United Community Banks director granted 2,330 shares

WILKINS DAVID H reported acquisition or exercise transactions in this Form 4 filing.

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.

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Form Type

Rhea-AI Filing Summary

WILKINS DAVID H reported acquisition or exercise transactions in this Form 4 filing.

UNITED COMMUNITY BANKS INC director David H. Wilkins received an equity award of 2,330 shares of Common Stock. The shares were granted at no cash cost as restricted stock units for 2026 and will vest the day before the company’s next annual meeting. After this grant, Wilkins directly holds 21,476 shares.

Insider Trade Summary

Grant/Award: 2,330 shares

Grant/Award 1 txn

Insider WILKINS DAVID H

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	2,330	$0.00	$0.00

Holdings After Transaction: Common Stock — 21,476 shares (Direct)

Footnotes (1)

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

Key Figures

Equity award size: 2,330 shares Transaction price per share: $0.0000 per share Post-grant holdings: 21,476 shares +1 more

4 metrics

Equity award size 2,330 shares Grant of 2026 restricted stock units to director

Transaction price per share $0.0000 per share Compensation grant, no cash paid

Post-grant holdings 21,476 shares Total Common Stock held directly after grant

Transaction date May 13, 2026 Date of Form 4-reported grant

Key Terms

restricted stock units, grant, award, or other acquisition, Common Stock, Form 4

4 terms

restricted stock units financial

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

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"

Common Stock financial

"security_title: Common Stock"

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 4 regulatory

"INSIDER FILING DATA (Form 4):"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

FAQ

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

What insider transaction did UNITED COMMUNITY BANKS INC (UCB) report for David H. Wilkins?

UNITED COMMUNITY BANKS INC reported that director David H. Wilkins received an equity grant of 2,330 shares of Common Stock. This award is in the form of 2026 restricted stock units, granted as part of his compensation rather than an open-market purchase or sale.

How many UNITED COMMUNITY BANKS INC (UCB) shares does David H. Wilkins hold after this grant?

After the 2,330-share grant, David H. Wilkins directly holds 21,476 shares of UNITED COMMUNITY BANKS INC Common Stock. This figure reflects his updated ownership position following the 2026 restricted stock unit award disclosed in the Form 4 filing.

When do the 2026 restricted stock units for UNITED COMMUNITY BANKS INC (UCB) vest?

The 2026 restricted stock units granted to David H. Wilkins vest the day before UNITED COMMUNITY BANKS INC’s next annual meeting. This vesting schedule is specified in the filing footnote describing the terms of the compensation-related equity award.

Is the UNITED COMMUNITY BANKS INC (UCB) Form 4 transaction a buy or sell in the market?

The Form 4 does not show a market buy or sell. It reports an acquisition coded as a grant or award, where 2,330 restricted stock units were granted to director David H. Wilkins as part of his compensation, with no open-market trading involved.

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

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Accepted by SEC EDGAR 05/14/2026 - 04:04 PM EDT

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^*

WILKINS DAVID H

(Last)

(First)

(Middle)

C/O UNITED COMMUNITY BANKS, INC.

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)
05/13/2026

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	05/13/2026		A		2,330⁽¹⁾	A	$0	21,476	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

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, Attorney in Fact	05/14/2026
	** 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)

Source: View Original Filing on SEC EDGAR