United Community Banks (UCB) director receives 2,330-share equity award and updates holdings

Rhea-AI Filing Summary

UNITED COMMUNITY BANKS INC director Thomas A. Richlovsky reported an equity compensation grant and updated holdings. He received 2,330 shares of Common Stock as a grant classified as a grant, award, or other acquisition, with no purchase price. The footnote explains this reflects 2026 restricted stock units that vest the day before the company’s next annual meeting. After this grant, he directly holds 4,856 Common Stock shares and indirectly holds 35,529 shares through the Thomas A. Richlovsky Trust dated September 24, 1998.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider RICHLOVSKY THOMAS A

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	2,330	$0.00	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 4,856 shares (Direct, null); Common Stock — 35,529 shares (Indirect, Thomas Andrew Richlovsky TTEE of the Thomas A. Richlovsky Trust DTD 9/24/98)

Footnotes (1)

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Key Figures

Equity grant: 2,330 shares Grant price: $0.0000 per share Direct holdings after grant: 4,856 shares +2 more

5 metrics

Equity grant 2,330 shares Restricted stock unit grant coded as acquisition

Grant price $0.0000 per share Equity compensation, not market purchase

Direct holdings after grant 4,856 shares Common Stock directly owned following transaction

Indirect trust holdings 35,529 shares Common Stock held by Thomas A. Richlovsky Trust

Vesting timing Day before next annual meeting 2026 restricted stock units vesting condition

Key Terms

restricted stock units, Grant, award, or other acquisition, indirect ownership, Form 4

4 terms

restricted stock units financial

"Reflects grant of 2026 restricted stock units, which vest the day before the Issuer's next annual meeting."

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

Grant, award, or other acquisition financial

"transaction_code "A" with description Grant, award, or other acquisition for 2,330 shares."

indirect ownership financial

"total_shares_following_transaction 35529.0000 with ownership_type indirect through the Thomas A. Richlovsky Trust."

Form 4 regulatory

"INSIDER FILING DATA (Form 4) shows transactions for UNITED COMMUNITY BANKS INC."

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

Form 4 Insider Transactions: What Each Field Means →

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^*

RICHLOVSKY THOMAS A

(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)
05/13/2026

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	05/13/2026		A		2,330(1)	A	$0	4,856	D
Common Stock								35,529	I	Thomas Andrew Richlovsky TTEE of the Thomas A. Richlovsky Trust DTD 9/24/98

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 grant of 2026 restricted stock units, which vest the day before the Issuer's next annual meeting.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	05/14/2026
	** 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)

FAQ

What insider transaction did UCB director Thomas A. Richlovsky report on this Form 4?

Director Thomas A. Richlovsky reported receiving a grant of 2,330 shares of UNITED COMMUNITY BANKS INC Common Stock as equity compensation. The filing classifies this as a grant, award, or other acquisition, not an open-market purchase or sale, and updates his reported shareholdings.

How many UNITED COMMUNITY BANKS INC shares did Thomas A. Richlovsky receive in the latest equity award?

Thomas A. Richlovsky received 2,330 shares of Common Stock in this equity award. The grant is recorded at $0.0000 per share, indicating it is compensation rather than a market purchase, and is described as restricted stock units tied to a future vesting date.

When do Thomas A. Richlovsky’s new UCB restricted stock units vest?

The filing states the new award reflects 2026 restricted stock units that vest the day before the issuer's next annual meeting. This means the shares become fully earned and transferable on that date, assuming any applicable service-based conditions are met.

What are Thomas A. Richlovsky’s direct shareholdings in UNITED COMMUNITY BANKS INC after this transaction?

After the reported grant, Thomas A. Richlovsky directly holds 4,856 shares of UNITED COMMUNITY BANKS INC Common Stock. This total includes the newly awarded 2,330 shares and represents only his direct ownership, separate from any indirect holdings through a trust.

How many UNITED COMMUNITY BANKS INC shares does Thomas A. Richlovsky hold indirectly through a trust?

The Form 4 shows an indirect holding of 35,529 shares of Common Stock. These are held by the Thomas A. Richlovsky Trust dated September 24, 1998, for which he is listed as trustee, and are reported as indirect ownership.

Does the Form 4 for UCB show any open-market buys or sells by Thomas A. Richlovsky?

The Form 4 does not show any open-market purchases or sales. It reports a grant, award, or other acquisition of 2,330 shares as compensation and an updated indirect holding entry, with no transactions coded as market buys or sells.