UCB (UCB) banking chief reports stock grant and tax share withholdings

Rhea-AI Filing Summary

UNITED COMMUNITY BANKS INC executive reports stock grant and tax withholdings. EVP and Chief Banking Officer Richard Bradshaw acquired 7,217 shares of common stock on February 15, 2026 at a stated price of $0.00, reflecting the satisfaction of performance criteria for previously awarded performance stock units that vested on that date.

On the same day, 2,359 shares and 1,374 shares of common stock were disposed of at $34.56 per share, representing shares withheld to satisfy tax withholding obligations upon vesting of performance and time-based stock units. After these transactions, Bradshaw directly owned 85,837 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^*

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)
02/15/2026

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		7,217(1)	A	$0	89,570	D
Common Stock	02/15/2026		F		2,359(2)	D	$34.56	87,211	D
Common Stock	02/15/2026		F		1,374(3)	D	$34.56	85,837	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 UCB executive Richard Bradshaw report on February 15, 2026?

Richard Bradshaw reported a stock award and related tax withholdings on February 15, 2026. He acquired 7,217 shares from vested performance stock units and had 2,359 and 1,374 shares withheld to cover tax obligations on vested performance and time-based stock units.

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

Richard Bradshaw acquired 7,217 shares of UNITED COMMUNITY BANKS INC common stock at a stated price of $0.00. The acquisition reflects the vesting and performance satisfaction of previously granted performance stock units that converted into common shares on February 15, 2026.

Why were some UCB shares disposed of in Richard Bradshaw’s Form 4 filing?

The disposed UCB shares were withheld to satisfy tax obligations tied to vesting stock units. Specifically, 2,359 and 1,374 shares were withheld at $34.56 per share upon vesting of performance and time-based stock units, rather than being sold in an open-market transaction.

What is Richard Bradshaw’s direct ownership in UNITED COMMUNITY BANKS INC after these transactions?

Following the reported transactions, Richard Bradshaw directly owned 85,837 shares of UNITED COMMUNITY BANKS INC common stock. This figure reflects the net impact of the vested performance stock units and the shares withheld to cover associated tax liabilities on February 15, 2026.

What do the performance stock unit vesting details mean in UCB’s Form 4 for Richard Bradshaw?

The Form 4 notes that performance criteria were satisfied for earlier-awarded performance stock units, causing them to vest on February 15, 2026. As a result, 7,217 shares of common stock were delivered to Richard Bradshaw as part of his long-term incentive compensation.

Were Richard Bradshaw’s UCB share dispositions open-market sales?

The Form 4 describes the dispositions as payment of tax liabilities by delivering shares, coded as “F.” Footnotes clarify the shares were withheld to satisfy withholding obligations upon vesting of performance and time-based stock units, not discretionary open-market sales.