United Community Banks (UCB) director granted 2,330 restricted stock units

Rhea-AI Filing Summary

JAMES JOHN MARC reported acquisition or exercise transactions in this Form 4 filing.

United Community Banks, Inc. director John Marc James reported a new equity grant of 2,330 shares of common stock-equivalent restricted stock units. The award was granted at a price of $0.00 per share as compensation and will vest the day before the company’s next annual meeting.

Following this grant, James directly owns 4,856 shares of common stock. He also has indirect ownership of 3,446 shares held through the John Marc James Revocable Trust DTD May 10, 2024.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider JAMES JOHN MARC

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 — 3,446 shares (Indirect, John Marc James Revocable Trust DTD May 10, 2024)

Footnotes (1)

1. [object Object]

Key Figures

RSU grant size: 2,330 shares Grant price: $0.00 per share Direct holdings after grant: 4,856 shares +2 more

5 metrics

RSU grant size 2,330 shares Restricted stock units granted to director on 2026-05-13

Grant price $0.00 per share Equity award, non-cash compensation

Direct holdings after grant 4,856 shares United Community Banks, Inc. common stock

Indirect holdings via trust 3,446 shares John Marc James Revocable Trust DTD May 10, 2024

Vesting timing Day before next annual meeting Vesting schedule for 2026 restricted stock units

Key Terms

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

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.

Grant, award, or other acquisition financial

"transaction_code_description: Grant, award, or other acquisition"

indirect ownership financial

"ownership_type: indirect; nature_of_ownership: John Marc James Revocable Trust DTD May 10, 2024"

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^*

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)
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								3,446	I	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. 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 did director John Marc James acquire in the latest Form 4 for UCB?

Director John Marc James received 2,330 restricted stock units as equity compensation. These units are tied to United Community Banks, Inc. common stock and were granted at $0.00 per share, reflecting a non-cash award rather than an open-market purchase.

When do the new restricted stock units for UCB’s director vest?

The 2,330 restricted stock units vest the day before United Community Banks, Inc.’s next annual meeting. Vesting ties the award to continued service through that date, aligning the director’s compensation with the company’s annual governance cycle.

How many UCB shares does John Marc James own after this transaction?

After the grant, John Marc James directly holds 4,856 shares of United Community Banks, Inc. common stock. In addition, he indirectly owns 3,446 shares held through the John Marc James Revocable Trust DTD May 10, 2024.

Was the UCB Form 4 transaction an open-market buy or sell?

No, the Form 4 reports a compensation-related grant coded “A” for 2,330 restricted stock units at $0.00 per share. There were no open-market purchases or sales; it is a grant, award, or other acquisition from the company.

What is the role of the John Marc James Revocable Trust in UCB holdings?

The Form 4 shows 3,446 United Community Banks, Inc. shares held indirectly through the John Marc James Revocable Trust DTD May 10, 2024. These shares are reported as indirect ownership separate from his directly held 4,856 shares.