[Form 4] UNITED COMMUNITY BANKS INC Insider Trading Activity

Rhea-AI Filing Summary

UNITED COMMUNITY BANKS INC EVP and CFO Jefferson L. Harralson reported equity compensation activity involving the company’s common stock. On February 15, 2026, he acquired 6,363 shares through a grant or award, tied to the vesting of previously awarded stock units and satisfaction of performance criteria.

On the same date, a total of 3,698 shares were disposed of through tax-withholding transactions at $34.56 per share to cover tax obligations upon vesting of performance and time-based stock units. These Form 4 entries reflect compensation-related share activity rather than open-market purchases or sales.

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

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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)
02/15/2026

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		6,363(1)	A	$0	66,131	D
Common Stock	02/15/2026		F		2,115(2)	D	$34.56	64,016	D
Common Stock	02/15/2026		F		1,583(3)	D	$34.56	62,433	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).
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 insider transactions did UCB’s CFO report on February 15, 2026?

On February 15, 2026, UCB EVP and CFO Jefferson L. Harralson reported equity compensation activity involving common stock grants and tax-withholding transactions. These included a stock award and shares withheld to cover taxes on vested stock units, rather than open-market trades.

How many UNITED COMMUNITY BANKS INC (UCB) shares did the CFO acquire in the Form 4?

The CFO acquired 6,363 shares of UNITED COMMUNITY BANKS INC common stock through a grant or award. This award is linked to the vesting of previously granted stock units and performance criteria, and was reported as a non-derivative acquisition at no purchase price per share.

Were any UCB shares sold by the CFO in the open market in this Form 4?

No open-market sales were reported. The Form 4 shows 3,698 shares disposed of in two transactions coded “F,” representing shares withheld to satisfy tax withholding obligations when performance and time-based stock units vested, rather than discretionary market sales.

What does transaction code “F” mean in the UCB Form 4 filing?

Transaction code “F” indicates shares used to pay an exercise price or tax liability by delivering securities. In this UCB filing, the F-code entries reflect common shares withheld to cover tax withholding obligations upon vesting of performance and time-based stock units for the CFO.

How did the vesting of stock units affect the CFO’s UCB share holdings?

The vesting of performance and time-based stock units increased the CFO’s ownership through a 6,363-share award, while 3,698 shares were simultaneously withheld for taxes. The Form 4 shows updated direct ownership balances after each step of these compensation-related transactions.

Are the UCB insider transactions related to performance criteria vesting?

Yes. A footnote explains that performance criteria were satisfied for previously awarded performance stock units that vested on February 15, 2026. Additional footnotes state that certain shares were withheld to satisfy tax obligations when those performance and time-based stock units vested.