UCB (UCB) risk chief awarded 5,848 time-based restricted shares

Rhea-AI Filing Summary

EDWARDS ROBERT A. reported acquisition or exercise transactions in this Form 4 filing.

United Community Banks, Inc. reported that EVP and Chief Risk Officer Robert A. Edwards received an equity award of 5,848 shares of common stock on February 12, 2026. The award is a grant of time-based restricted stock units at a price of $0 per share, increasing his directly held beneficial ownership to 57,195 shares. These restricted stock units vest in four equal 25% installments on February 15 of 2027, 2028, 2029, and 2030.

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^*

EDWARDS ROBERT A.

(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 Risk Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/12/2026

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	02/12/2026		A		5,848(1)	A	$0	57,195	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 25% on February 15, 2027, February 15, 2028, February 15, 2029 and February 15, 2030.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	02/17/2026
	** 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).
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FAQ

What insider transaction did United Community Banks (UCB) report?

United Community Banks reported an equity award to EVP and Chief Risk Officer Robert A. Edwards. He received 5,848 shares of common stock as a grant of time-based restricted stock units, with no cash price per share, reflecting a compensation-related acquisition.

How many United Community Banks (UCB) shares were granted to Robert A. Edwards?

Robert A. Edwards was granted 5,848 shares of United Community Banks common stock. The Form 4 identifies this as a grant of time-based restricted stock units, increasing his directly held beneficial ownership to 57,195 shares following the reported transaction.

What is the vesting schedule for Robert A. Edwards’ UCB restricted stock units?

The 5,848 restricted stock units vest in four equal installments of 25%. Vesting dates are February 15, 2027, February 15, 2028, February 15, 2029, and February 15, 2030, reflecting a multi-year, time-based compensation structure.

Was cash paid for the United Community Banks (UCB) shares reported on this Form 4?

No cash changed hands in this transaction; the Form 4 shows a price of $0 per share. The filing characterizes the event as a grant, award, or other acquisition of time-based restricted stock units rather than an open-market purchase.

What is Robert A. Edwards’ ownership in UCB after this equity award?

After the grant of 5,848 restricted stock units, Robert A. Edwards beneficially owns 57,195 United Community Banks common shares. The filing classifies this holding as direct ownership, reflecting his position as EVP and Chief Risk Officer of the company.

What role does the reporting person hold at United Community Banks (UCB)?

The reporting person, Robert A. Edwards, serves as Executive Vice President and Chief Risk Officer at United Community Banks. His Form 4 filing reflects a compensation-related grant of restricted stock units tied to this senior officer role within the company.