United Community Banks director gifts 2,526 shares

United Community Banks, Inc. director Thomas A. Richlovsky reported an internal reallocation of 2,526 shares of common stock on July 24, 2026.

Accepted by SEC EDGAR 07/28/2026 - 04:03 PM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

United Community Banks, Inc. director Thomas A. Richlovsky reported an internal reallocation of 2,526 shares of common stock on July 24, 2026. He made a bona fide gift, transferring these shares from his directly held account to a family trust for which he is trustee. Following the transfer, he held 2,330 shares directly and 38,055 shares indirectly through the trust. The Rule 10b5-1 trading-plan checkbox was not marked.

Insider Trade Summary

5,052 shares gifted

Gift 2 txns

Insider RICHLOVSKY THOMAS A

Role Director

Type	Security	Shares	Price	Value
Gift	Common Stock F1	2,526	$0.00	$0.00
Gift	Common Stock F1	2,526	$0.00	$0.00

Holdings After Transaction: Common Stock — 2,330 shares (Direct); Common Stock — 38,055 shares (Indirect, Thomas Andrew Richlovsky TTEE of the Thomas A. Richlovsky Trust DTD 9/24/98)

Footnotes (1)

1. F1. On July 24, 2026, the Reporting Person transferred 2,526 shares of Issuer's common stock directly held by the Reporting Person to a family trust of which the Reporting Person is trustee. The Reporting Person and immediate family members are the sole beneficiaries of the trust.

Key Figures

Shares transferred as gift: 2,526 shares Direct holdings after transaction: 2,330 shares Indirect holdings after transaction: 38,055 shares +2 more

5 metrics

Shares transferred as gift 2,526 shares Bona fide gift of common stock on July 24, 2026

Direct holdings after transaction 2,330 shares Common stock held directly by Thomas A. Richlovsky after gift

Indirect holdings after transaction 38,055 shares Common stock held indirectly via the Thomas A. Richlovsky Trust

Gift price per share $0.0000 per share Reported transaction price for the bona fide gift

Total gifted shares reported 5,052 shares Aggregate of two gift entries (2,526 shares each) in the Form 4

Key Terms

bona fide gift, family trust, trustee, indirect ownership

4 terms

bona fide gift financial

"transaction_code_description: "Bona fide gift""

A bona fide gift is a genuine, voluntary transfer of money, property, or benefits from one party to another made without expectation of repayment, services, or hidden conditions. Investors care because such gifts can affect company disclosures, related‑party transaction rules, tax treatment, and perceived conflicts of interest; think of it like someone giving you a present with no strings attached — but on a corporate scale, auditors and regulators need to verify it really is unconditional.

family trust financial

"transferred 2,526 shares ... to a family trust"

trustee financial

"a family trust of which the Reporting Person is trustee"

A trustee is a person or institution legally appointed to hold and manage assets or enforce an agreement on behalf of other people (beneficiaries). Think of a trustee as a neutral referee or custodian who must act in the beneficiaries’ best interests, follow the trust or contract rules, and handle distributions, recordkeeping and enforcement. Investors care because a trustworthy trustee protects their rights, ensures promised payments or remedies are delivered, and can influence recoveries if things go wrong.

indirect ownership financial

"ownership_type: "indirect" for trust-held shares"

FAQ

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

What insider transaction did UCB director Thomas A. Richlovsky report?

Thomas A. Richlovsky reported a bona fide gift of 2,526 shares of United Community Banks common stock on July 24, 2026, transferring shares from direct ownership to a family trust where he serves as trustee.

How did Thomas A. Richlovsky’s direct UCB shareholdings change after the gift?

After the gift, Richlovsky’s directly held United Community Banks common stock position decreased to 2,330 shares. Those transferred shares are now held indirectly in a family trust, altering the form of ownership rather than involving a market sale.

How many UCB shares does Thomas A. Richlovsky hold indirectly after the transaction?

Following the July 24, 2026 transfer, Richlovsky held 38,055 shares of United Community Banks common stock indirectly through a family trust. He is trustee of this trust, and he and his immediate family are its sole beneficiaries.

Was the UCB insider transaction executed under a Rule 10b5-1 plan?

No. The Form 4 indicates the Rule 10b5-1 checkbox was not selected, meaning the reported bona fide gift of 2,526 United Community Banks shares was not executed under a pre-arranged Rule 10b5-1 trading plan.

Did the UCB insider transaction involve a market sale or purchase of shares?

No market sale or purchase occurred. The Form 4 reports a gift transfer (code G) of 2,526 shares of United Community Banks common stock from Richlovsky’s direct account to a family trust, with a reported price of $0.0000 per share.

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

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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^*

RICHLOVSKY THOMAS A

(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)
07/24/2026

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	07/24/2026		G		2,526	D	$0	2,330	D(1)
Common Stock	07/24/2026		G		2,526	A	$0	38,055	I(1)	Thomas Andrew Richlovsky TTEE of the Thomas A. Richlovsky Trust DTD 9/24/98

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. On July 24, 2026, the Reporting Person transferred 2,526 shares of Issuer's common stock directly held by the Reporting Person to a family trust of which the Reporting Person is trustee. The Reporting Person and immediate family members are the sole beneficiaries of the trust.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	07/28/2026
	** 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)