United Community Banks (UCB) EVP granted 3,561 restricted shares in Form 4

Rhea-AI Filing Summary

United Community Banks executive Abraham Cox reported an equity award from the company. On February 12, 2026, he acquired 3,561 shares of United Community Banks common stock at a price of $0 through a grant classified as a grant, award, or other acquisition.

The award represents time-based restricted stock units that vest in four equal installments of 25% each on February 15, 2027, February 15, 2028, February 15, 2029, and February 15, 2030. Following this grant, Cox directly beneficially owns 17,113 shares of 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

OMB Number:			3235-0287
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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)
02/12/2026

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		3,561(1)	A	$0	17,113	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).
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 did United Community Banks (UCB) executive Abraham Cox report in this Form 4?

Abraham Cox reported receiving a grant of 3,561 shares of United Community Banks common stock at $0 per share. The filing classifies this as a grant, award, or other acquisition, increasing his directly held beneficial ownership to 17,113 shares.

Is the Abraham Cox transaction in United Community Banks (UCB) stock a purchase or an award?

The transaction is an equity award, not an open-market purchase. It is coded as an acquisition via grant, award, or other acquisition, with 3,561 shares received at a price of $0 per share as part of his executive compensation.

How many United Community Banks (UCB) shares does Abraham Cox own after this Form 4 transaction?

After the reported transaction, Abraham Cox directly beneficially owns 17,113 shares of United Community Banks common stock. This total reflects the addition of 3,561 shares from a time-based restricted stock unit grant received on February 12, 2026.

What are the vesting terms of the restricted stock units granted to Abraham Cox at United Community Banks (UCB)?

The grant represents time-based restricted stock units that vest in four equal 25% installments. The vesting dates are February 15, 2027, February 15, 2028, February 15, 2029, and February 15, 2030, subject to the standard conditions that apply to such awards.

What transaction code is used for Abraham Cox’s United Community Banks (UCB) equity grant?

The equity grant uses transaction code “A,” which denotes a grant, award, or other acquisition. This code confirms the 3,561 shares were received as compensation rather than bought on the open market, with a reported price per share of $0.

Does Abraham Cox hold his United Community Banks (UCB) shares directly or indirectly after this grant?

The Form 4 indicates that Abraham Cox’s 17,113 shares of United Community Banks common stock are held with direct ownership. The ownership code is listed as “D,” meaning the shares are directly, rather than indirectly, beneficially owned.