United Community Banks director granted 2,330 RSUs

BELL GEORGE B. reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

BELL GEORGE B. reported acquisition or exercise transactions in this Form 4 filing.

UNITED COMMUNITY BANKS INC director George B. Bell received an equity award rather than buying shares on the market. He was granted 2,330 shares of Common Stock as restricted stock units at a stated price of $0.00 per share.

These 2026 restricted stock units vest the day before the company’s next annual meeting. After this grant, Bell directly holds 11,393 shares of common stock.

Insider Trade Summary

Grant/Award: 2,330 shares

Grant/Award 1 txn

Insider BELL GEORGE B.

Role Director

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

Holdings After Transaction: Common Stock — 11,393 shares (Direct)

Footnotes (1)

1. F1. Reflects grant of 2026 restricted stock units, which vest the day before the Issuer's next annual meeting.

Key Figures

RSU grant size: 2,330 shares Grant price: $0.00 per share Total holdings after grant: 11,393 shares +1 more

4 metrics

RSU grant size 2,330 shares Restricted stock units granted to director on May 13, 2026

Grant price $0.00 per share Stated transaction price for RSU award

Total holdings after grant 11,393 shares Director’s direct common stock holdings following the transaction

Transaction date May 13, 2026 Date of RSU grant to director George B. Bell

Key Terms

restricted stock units, annual meeting, Grant, award, or other acquisition

3 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.

annual meeting financial

"which vest the day before the Issuer's next annual meeting."

A company's annual meeting is a yearly gathering where owners (shareholders) and the board review performance, ask questions, and vote on key matters like electing directors, approving auditor choices, and sometimes setting pay or dividend policies. For investors it matters because decisions made and votes cast can change who runs the company, influence strategy and payouts, and affect the value or direction of their investment—similar to a homeowners’ meeting where rules and leaders that shape your property’s value are decided.

Grant, award, or other acquisition financial

"transaction_code_description": "Grant, award, or other acquisition""

FAQ

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

What did director George B. Bell acquire in United Community Banks (UCB)?

Director George B. Bell received a grant of 2,330 restricted stock units of United Community Banks common stock. The award was compensation, not an open-market purchase, and was reported as a grant or other acquisition under code A.

When do George B. Bell’s newly granted UCB restricted stock units vest?

The 2,330 restricted stock units granted to George B. Bell vest the day before United Community Banks’ next annual meeting. Vesting timing links the award to the upcoming annual shareholder meeting cycle rather than a fixed calendar date.

How many United Community Banks shares does George B. Bell hold after this grant?

After the 2,330-share restricted stock grant, George B. Bell directly holds 11,393 shares of United Community Banks common stock. This total includes the newly awarded units as reported in the Form 4 filing data.

Was George B. Bell’s United Community Banks transaction an open-market buy or sell?

The transaction was not an open-market buy or sell. It was coded A, indicating a grant, award, or other acquisition, with a price of $0.00 per share as part of director compensation, rather than a discretionary market trade.

What does transaction code A mean in George B. Bell’s UCB Form 4?

Transaction code A on the Form 4 indicates a grant, award, or other acquisition of securities. For George B. Bell, it reflects the issuance of 2,330 restricted stock units of United Community Banks common stock as part of his director compensation.

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

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Accepted by SEC EDGAR 05/14/2026 - 04:10 PM EDT 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^*

BELL GEORGE B.

(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	11,393	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 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)