United Community Banks (UCB) EVP logs stock awards and tax withholding

Rhea-AI Filing Summary

UNITED COMMUNITY BANKS INC executive Abraham Cox reported equity award activity in company stock. He acquired 1,707 shares of common stock at no cost from the vesting of previously granted performance stock units on February 15, 2026.

On the same date, 281 shares and 369 shares of common stock were disposed of at $34.56 per share to cover tax withholding obligations tied to the vesting of performance-based and time-based stock units. After these transactions, Cox directly owned 18,170 shares of UNITED COMMUNITY BANKS INC common stock.

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

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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^*

COX ABRAHAM

(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)
	EVP, Chief Consumer & SBBO

3. Date of Earliest Transaction (Month/Day/Year)
02/15/2026

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	02/15/2026		A		1,707(1)	A	$0	18,820	D
Common Stock	02/15/2026		F		281(2)	D	$34.56	18,539	D
Common Stock	02/15/2026		F		369(3)	D	$34.56	18,170	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 the satisfaction of performance criteria for previously awarded performance stock units which vested on February 15, 2026.

2. Reflects shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of performance stock units.

3. Reflects shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of time-based stock units.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	02/18/2026
	** 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.

FAQ

What insider transactions did Abraham Cox report for UNITED COMMUNITY BANKS INC (UCB)?

Abraham Cox reported equity award-related transactions in UNITED COMMUNITY BANKS INC common stock. He received 1,707 shares from vested performance stock units, and shares were withheld to satisfy tax obligations upon vesting of both performance-based and time-based stock units, all dated February 15, 2026.

How many UNITED COMMUNITY BANKS INC (UCB) shares did Abraham Cox acquire in this Form 4?

He acquired 1,707 shares of UNITED COMMUNITY BANKS INC common stock. These shares resulted from the satisfaction of performance criteria and vesting of previously awarded performance stock units on February 15, 2026, and were received at no cost as part of his equity compensation.

Why were some UNITED COMMUNITY BANKS INC (UCB) shares disposed of in Abraham Cox’s Form 4?

The reported share dispositions were for tax withholding purposes. A total of 281 shares and 369 shares of UNITED COMMUNITY BANKS INC common stock were withheld at $34.56 per share to satisfy tax obligations when performance stock units and time-based stock units vested.

What was the tax withholding price used in Abraham Cox’s UNITED COMMUNITY BANKS INC (UCB) Form 4?

The tax withholding transactions used a price of $34.56 per share. Shares of UNITED COMMUNITY BANKS INC common stock were withheld at this price to cover tax liabilities arising from the vesting of granted performance stock units and time-based stock units on February 15, 2026.

How many UNITED COMMUNITY BANKS INC (UCB) shares does Abraham Cox own after these transactions?

Following these equity award and tax-withholding transactions, Abraham Cox directly owns 18,170 shares of UNITED COMMUNITY BANKS INC common stock. This post-transaction holding reflects both the vested performance stock units received and the shares withheld to satisfy related tax obligations on February 15, 2026.

Are Abraham Cox’s UNITED COMMUNITY BANKS INC (UCB) Form 4 transactions open-market buys or sales?

The Form 4 reflects compensation-related transactions, not open-market trades. Cox acquired 1,707 shares through vesting of performance stock units and disposed of shares only to satisfy tax withholding obligations upon vesting of performance-based and time-based stock units at $34.56 per share.