United Community Banks (UCB) EVP awarded 10,350 restricted units

Rhea-AI Filing Summary

United Community Banks EVP and Chief Banking Officer Richard Bradshaw acquired 10,350 shares of common stock on a no-cash basis through a grant of time-based restricted stock units on February 12, 2026.

The award vests in four equal 25% installments on February 15 of 2027, 2028, 2029, and 2030. Following this grant, Bradshaw directly beneficially owns 82,353 shares of United Community Banks 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

OMB APPROVAL

OMB Number:			3235-0287
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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^*

BRADSHAW RICHARD

(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 Banking Officer

3. Date of Earliest Transaction (Month/Day/Year)
02/12/2026

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	02/12/2026		A		10,350(1)	A	$0	82,353	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. Represents grant of time-based restricted stock units, which vest 25% on February 15, 2027, February 15, 2028, February 15, 2029 and February 15, 2030.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	02/17/2026
	** 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.

FAQ

What did United Community Banks (UCB) insider Richard Bradshaw report on this Form 4?

Richard Bradshaw reported acquiring 10,350 shares of United Community Banks common stock via a grant of time-based restricted stock units. The grant was recorded at a price of $0 per share and increased his directly held beneficial ownership to 82,353 shares after the transaction.

How many shares did United Community Banks (UCB) grant to Richard Bradshaw?

United Community Banks granted Richard Bradshaw 10,350 shares of common stock through time-based restricted stock units. These units function as a share-based award that converts into common stock as vesting conditions are met over the specified multi-year schedule.

What is the vesting schedule for Richard Bradshaw’s restricted stock units at UCB?

Bradshaw’s 10,350 restricted stock units vest in four equal 25% installments. Vesting dates are February 15, 2027, February 15, 2028, February 15, 2029, and February 15, 2030, gradually delivering common shares over this period if conditions are satisfied.

What is Richard Bradshaw’s total United Community Banks share ownership after this grant?

After the grant, Richard Bradshaw beneficially owns 82,353 shares of United Community Banks common stock directly. This figure reflects his ownership immediately following the 10,350-share restricted stock unit award reported in the Form 4 insider transaction filing.

Did Richard Bradshaw pay cash for the United Community Banks shares he acquired?

No cash changed hands for this acquisition; the 10,350 shares were granted at a stated price of $0 per share. The transaction represents an equity compensation award of time-based restricted stock units rather than an open-market stock purchase.

What is Richard Bradshaw’s role at United Community Banks (UCB)?

Richard Bradshaw serves as Executive Vice President and Chief Banking Officer at United Community Banks. His position qualifies him as an officer insider, so equity awards like this restricted stock unit grant must be reported publicly on Form 4 under SEC rules.