United Community Banks director gifts 2,526 shares

United Community Banks, Inc. director John Marc James reported an internal transfer of common stock.

Rhea-AI Filing Summary

United Community Banks, Inc. director John Marc James reported an internal transfer of common stock. On July 24, 2026, he made a bona fide gift of 2,526 shares he held directly to a family revocable trust for which he serves as trustee.

Following these transactions, he held 2,330 shares directly and 5,972 shares indirectly through the John Marc James Revocable Trust DTD May 10, 2024. The reporting person and immediate family members are the trust’s sole beneficiaries, so the event reflects a change in ownership form rather than a market sale.

Insider Trade Summary

5,052 shares gifted

Gift 2 txns

Insider JAMES JOHN MARC

Role Director

Type	Security	Shares	Price	Value
Gift	Common Stock F1	2,526	$0.00	$0.00
Gift	Common Stock F1	2,526	$0.00	$0.00

Holdings After Transaction: Common Stock — 2,330 shares (Direct); Common Stock — 5,972 shares (Indirect, John Marc James Revocable Trust DTD May 10, 2024)

Footnotes (1)

1. F1. On July 24, 2026, the Reporting Person transferred 2,526 shares of Issuer's common stock directly held by the Reporting Person to a family trust of which the Reporting Person is trustee. The Reporting Person and immediate family members are the sole beneficiaries of the trust.

Key Figures

Shares transferred as gift: 2,526 shares Direct holdings after transaction: 2,330 shares Indirect holdings after transaction: 5,972 shares

3 metrics

Shares transferred as gift 2,526 shares Bona fide gift of common stock on July 24, 2026

Direct holdings after transaction 2,330 shares Common stock held directly by reporting person following gift

Indirect holdings after transaction 5,972 shares Common stock held indirectly via John Marc James Revocable Trust

Key Terms

bona fide gift, Revocable Trust, indirect ownership

3 terms

bona fide gift regulatory

"The transaction code description is "Bona fide gift" for the shares transferred."

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

Revocable Trust financial

"Shares are held indirectly through the John Marc James Revocable Trust DTD May 10, 2024."

A revocable trust is a legal arrangement where the person who creates it keeps control and can change or cancel the trust at any time, while naming who will manage and receive the assets later. Think of it like a flexible folder for your investments and property that can be relabeled or reworked as circumstances change; it matters to investors because it determines how ownership is recorded, how easily assets transfer on incapacity or death, and whether holdings bypass public probate proceedings.

indirect ownership financial

"The Form 4 reports 5,972 shares as indirect ownership through the family trust."

FAQ

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

What insider transaction did UCB director John Marc James report?

John Marc James reported a bona fide gift of 2,526 shares of United Community Banks common stock, transferring them from his direct ownership to a family revocable trust where he serves as trustee.

How many UCB shares did John Marc James transfer and on what date?

He transferred 2,526 shares of United Community Banks common stock on July 24, 2026. The shares moved from his direct holdings to a family revocable trust as a reported bona fide gift.

What are John Marc James’s UCB holdings after this Form 4 transaction?

After the reported transactions, he held 2,330 shares directly and 5,972 shares indirectly through the John Marc James Revocable Trust DTD May 10, 2024, as disclosed in the Form 4.

Was the UCB Form 4 transaction a market sale for cash?

No. The Form 4 describes a bona fide gift at a reported price of $0.0000 per share, transferring shares to a family revocable trust rather than selling them in the open market.

Who benefits from the trust that received UCB shares from John Marc James?

The footnote states that the reporting person and immediate family members are the sole beneficiaries of the John Marc James Revocable Trust DTD May 10, 2024, which received the transferred UCB shares.

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

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Available on EDGAR 07/28/2026 - 04:03 PM Accepted by SEC EDGAR 07/28/2026 - 04:03 PM Learn about SEC filing dates

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^*

JAMES JOHN MARC

(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)
07/24/2026

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	07/24/2026		G		2,526	D	$0	2,330	D(1)
Common Stock	07/24/2026		G		2,526	A	$0	5,972	I(1)	John Marc James Revocable Trust DTD May 10, 2024

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. On July 24, 2026, the Reporting Person transferred 2,526 shares of Issuer's common stock directly held by the Reporting Person to a family trust of which the Reporting Person is trustee. The Reporting Person and immediate family members are the sole beneficiaries of the trust.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	07/28/2026
	** 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)