UCB Form 4: Chief Accounting Officer now holds 33,029 shares

Rhea-AI Filing Summary

United Community Banks Inc. (UCB) reported a routine insider transaction by its SVP and Chief Accounting Officer. On 11/15/2025, 207 shares of common stock were withheld at a price of $30.24 per share to cover tax withholding obligations upon the vesting of restricted stock units. After this tax-related withholding, the officer beneficially owns 33,029 shares directly. This type of transaction does not represent an open-market sale, but rather the automatic use of a portion of vested shares to satisfy tax requirements.

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

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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^*

KUMLER ALAN H

(Last) (First) (Middle)

C/O UNITED COMMUNITY BANKS, INC.

200 EAST CAMPERDOWN WAY

(Street)

GREENVILLE SC 29601

(City) (State) (Zip)

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)
	SVP, Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/15/2025

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

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 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	11/15/2025		F		207(1)	D	$30.24	33,029	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 shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of restricted stock units.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	11/18/2025
	** 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.

FAQ

What insider transaction did UNITED COMMUNITY BANKS INC (UCB) report on this Form 4?

The Form 4 reports that the SVP and Chief Accounting Officer had 207 shares of United Community Banks Inc. common stock withheld on 11/15/2025 to satisfy tax withholding obligations upon vesting of restricted stock units.

At what price were the UCB shares withheld in this insider transaction?

The 207 shares of UCB common stock were withheld at a price of $30.24 per share in connection with tax withholding on vested restricted stock units.

How many UNITED COMMUNITY BANKS INC (UCB) shares does the officer own after the transaction?

Following the reported tax withholding transaction, the SVP and Chief Accounting Officer beneficially owns 33,029 shares of United Community Banks Inc. common stock, held directly.

Was this UCB insider transaction an open-market sale of shares?

No. The Form 4 explains that the 207 shares of UCB common stock were withheld to satisfy tax withholding obligations when restricted stock units vested, rather than being sold on the open market.

What is the reporting person’s role at UNITED COMMUNITY BANKS INC (UCB)?

The reporting person is an officer of United Community Banks Inc., serving as SVP, Chief Accounting Officer, and filed this Form 4 as a single reporting person.

Does this UCB Form 4 indicate any change in indirect ownership?

No. The Form 4 shows the officer’s 33,029 shares as held in direct ownership after the transaction, with no indirect beneficial ownership reported.