United Community Banks director granted 2,330 RSUs

Drummond Lance F. reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Drummond Lance F. reported acquisition or exercise transactions in this Form 4 filing.

UNITED COMMUNITY BANKS INC director Lance F. Drummond received a grant of 2,330 shares of Common Stock in the form of 2026 restricted stock units. These units vest the day before the company’s next annual meeting. Following this award, his direct holdings total 18,849 common shares. The grant was a compensation award at no purchase price, not an open-market trade.

Insider Trade Summary

Grant/Award: 2,330 shares

Grant/Award 1 txn

Insider Drummond Lance F.

Role Director

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

Holdings After Transaction: Common Stock — 18,849 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 per share: $0.00 per share Shares after transaction: 18,849 shares +1 more

4 metrics

RSU grant size 2,330 shares Grant of 2026 restricted stock units to director Lance F. Drummond

Grant price per share $0.00 per share Compensatory equity grant, not an open-market purchase

Shares after transaction 18,849 shares Total direct Common Stock holdings following the grant

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

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"

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 insider transaction did UNITED COMMUNITY BANKS INC (UCB) report for Lance F. Drummond?

UNITED COMMUNITY BANKS INC reported that director Lance F. Drummond received a grant of 2,330 shares of Common Stock. The award is structured as 2026 restricted stock units that will vest before the company’s next annual meeting, reflecting equity-based director compensation.

How many UNITED COMMUNITY BANKS INC (UCB) shares were granted in this Form 4 filing?

The filing shows a grant of 2,330 shares of Common Stock to director Lance F. Drummond. These are 2026 restricted stock units that convert to shares when they vest the day before the issuer’s next annual meeting, increasing his direct equity stake.

What price did Lance F. Drummond pay for his UNITED COMMUNITY BANKS INC (UCB) stock grant?

The grant carried a per-share price of $0.00 for Lance F. Drummond. This indicates the 2,330 shares of Common Stock were awarded as equity compensation rather than purchased in the open market, consistent with a director restricted stock unit grant.

When do the 2026 restricted stock units granted by UNITED COMMUNITY BANKS INC (UCB) vest?

The 2026 restricted stock units granted to Lance F. Drummond vest the day before the issuer’s next annual meeting. At vesting, the units convert into shares of Common Stock, aligning director compensation with the company’s future performance and governance timeline.

What is Lance F. Drummond’s UNITED COMMUNITY BANKS INC (UCB) shareholding after this grant?

After receiving the 2,330-share award, Lance F. Drummond directly holds 18,849 shares of UNITED COMMUNITY BANKS INC Common Stock. This total reflects his updated equity position following the compensatory grant of 2026 restricted stock units reported in the Form 4.

Is the UNITED COMMUNITY BANKS INC (UCB) Form 4 transaction an open-market trade?

No, the transaction is not an open-market trade. The Form 4 describes a compensatory grant of 2,330 restricted stock units to director Lance F. Drummond at $0.00 per share, rather than a purchase or sale on the open market.

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

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Accepted by SEC EDGAR 05/14/2026 - 04:07 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^*

Drummond Lance F.

(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	18,849	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)