EVP at United Community (UCB) receives stock grant, withholds shares for taxes

Rhea-AI Filing Summary

UNITED COMMUNITY BANKS INC EVP and Chief Information Officer Mark Aaron Terry reported equity compensation activity involving the company’s common stock. He acquired 2,080 shares at $0.00 per share through a grant/award tied to previously awarded performance stock units that vested on February 15, 2026.

To cover tax withholding obligations upon vesting, 633 shares and 523 shares of common stock were disposed of at $34.56 per share in tax-withholding transactions, rather than open-market sales. Following these transactions, he directly owned 26,200 shares of UNITED COMMUNITY BANKS INC 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

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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^*

Terry Mark Aaron

(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 Information Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/15/2026

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	02/15/2026		A		2,080(1)	A	$0	27,356	D
Common Stock	02/15/2026		F		633(2)	D	$34.56	26,723	D
Common Stock	02/15/2026		F		523(3)	D	$34.56	26,200	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 the satisfaction of performance criteria for previously awarded performance stock units which vested on February 15, 2026.

2. Reflects shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of performance stock units.

3. Reflects shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of time-based stock units.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	02/18/2026
	** 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 transactions did UNITED COMMUNITY BANKS INC (UCB) report for Mark Aaron Terry?

UNITED COMMUNITY BANKS INC reported that EVP and Chief Information Officer Mark Aaron Terry received 2,080 common shares as an equity grant tied to performance stock units. He also disposed of 633 and 523 shares to satisfy tax withholding obligations related to vesting, not through open-market sales.

How many UNITED COMMUNITY BANKS INC (UCB) shares did the EVP acquire in this Form 4?

The EVP acquired 2,080 shares of UNITED COMMUNITY BANKS INC common stock at $0.00 per share. This acquisition reflects satisfaction of performance criteria for previously awarded performance stock units that vested on February 15, 2026, increasing his direct ownership before tax withholding-related dispositions.

Why were some UNITED COMMUNITY BANKS INC (UCB) shares disposed of in this Form 4 filing?

The filing shows 633 and 523 shares were disposed of to satisfy tax withholding obligations at $34.56 per share. These were coded as tax-withholding dispositions, meaning shares were withheld or delivered to cover taxes upon vesting, rather than being sold in open-market transactions.

At what price were the tax-withholding dispositions for UNITED COMMUNITY BANKS INC (UCB) shares recorded?

Both tax-withholding dispositions were recorded at $34.56 per share. A total of 633 shares and 523 shares of UNITED COMMUNITY BANKS INC common stock were used to pay tax liabilities arising from the vesting of performance and time-based stock units on February 15, 2026.

What is Mark Aaron Terry’s UNITED COMMUNITY BANKS INC (UCB) share ownership after these transactions?

After the reported grant and tax-withholding dispositions, Mark Aaron Terry directly owned 26,200 shares of UNITED COMMUNITY BANKS INC common stock. This figure reflects his holdings following the vesting of stock units and the related share-withholding transactions for tax obligations on February 15, 2026.

What do the performance and time-based stock units in the UCB Form 4 represent?

The performance stock units represent equity awards that vest when performance criteria are satisfied, while time-based stock units vest over time. In this Form 4, performance criteria were met and units vested on February 15, 2026, triggering both share delivery and tax-withholding share dispositions.