United Community Banks (UCB) CFO awarded 6,659 restricted stock units

Rhea-AI Filing Summary

HARRALSON JEFFERSON L reported acquisition or exercise transactions in this Form 4 filing.

United Community Banks Inc. executive vice president and CFO Jefferson L. Harralson received a grant of 6,659 shares of common stock in the form of time-based restricted stock units at a price of $0 per share on February 12, 2026. These units vest in four equal 25% installments on February 15, 2027, February 15, 2028, February 15, 2029, and in February 2030. Following this award, Harralson directly beneficially owned 59,768 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

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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^*

HARRALSON JEFFERSON L

(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, CFO

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		6,659(1)	A	$0	59,768	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 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.
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FAQ

What does the United Community Banks (UCB) Form 4 filed for Jefferson L. Harralson report?

The Form 4 reports that EVP and CFO Jefferson L. Harralson received a grant of 6,659 restricted stock units of United Community Banks common stock. The award was recorded at a price of $0 per share and increased his directly owned holdings to 59,768 shares.

How many United Community Banks (UCB) shares were granted to CFO Jefferson L. Harralson?

Harralson was granted 6,659 shares of United Community Banks common stock in the form of restricted stock units. The transaction is coded as an acquisition award, with no purchase price per share, and is reflected as directly owned stock following the grant.

What is the vesting schedule for Jefferson L. Harralson’s restricted stock units at United Community Banks (UCB)?

The restricted stock units vest in four equal 25% installments starting on February 15, 2027. Additional 25% portions vest on February 15, 2028, February 15, 2029, and in February 2030, making this a multi-year, time-based incentive award for the executive.

What is Jefferson L. Harralson’s total United Community Banks (UCB) share ownership after the reported grant?

After the reported grant, Harralson beneficially owned 59,768 shares of United Community Banks common stock directly. This figure includes the 6,659-share restricted stock unit award reported in the Form 4 and represents his direct ownership position following the transaction.

Was cash paid for the restricted stock units granted to the United Community Banks (UCB) CFO?

No cash was paid for the award; the restricted stock units were granted at a price of $0 per share. The Form 4 identifies the transaction as a grant or other acquisition, reflecting executive compensation rather than an open-market stock purchase.

What executive role does Jefferson L. Harralson hold at United Community Banks (UCB) in the reported Form 4?

Jefferson L. Harralson serves as executive vice president and chief financial officer of United Community Banks. The Form 4 shows this equity grant as part of his compensation, with the award structured as time-based restricted stock units vesting between 2027 and 2030.