What triggered the tax-withholding share disposition reported for UCB’s CAO?

The disposition was triggered by the vesting of time-based stock units awarded to Alan H. Kumler. When these units vested, 113 shares of the issuer’s common stock were withheld to satisfy required tax withholding obligations instead of using cash, as explained in the footnote.

Tax withholding trims UCB (UCB) CAO Alan Kumler stake by 113 shares

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)

Form Type

Rhea-AI Filing Summary

UNITED COMMUNITY BANKS INC senior vice president and chief accounting officer Alan H. Kumler had 113 shares of Common Stock withheld on May 15, 2026 to cover tax obligations when time-based stock units vested. These shares were valued at $32.06 per share. After this tax-withholding disposition, he directly holds 21,094 shares of the company’s common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider KUMLER ALAN H

Role SVP, Chief Accounting Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	113	$32.06	$4K

Holdings After Transaction: Common Stock — 21,094 shares (Direct, null)

Footnotes (1)

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Key Figures

Shares withheld for taxes: 113 shares Per-share value of withheld shares: $32.06 per share Shares held after transaction: 21,094 shares +2 more

5 metrics

Shares withheld for taxes 113 shares Tax-withholding disposition on May 15, 2026

Per-share value of withheld shares $32.06 per share Common Stock value used for tax withholding

Shares held after transaction 21,094 shares Direct ownership after tax withholding

Transaction code F Payment of tax liability by delivering securities

Transaction direction dispose Tax-withholding disposition of Common Stock

Key Terms

tax withholding obligations, time-based stock units, tax-withholding disposition, Common Stock

4 terms

tax withholding obligations financial

"withheld to satisfy tax withholding obligations upon vesting of time-based stock units"

time-based stock units financial

"upon vesting of time-based stock units"

tax-withholding disposition financial

"transaction_action: tax-withholding disposition"

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

Common Stock financial

"Reflects shares of Issuer's common stock withheld"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Form 4 Insider Transactions: What Each Field Means →

05/19/2026 - 06:11 AM

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^*

KUMLER ALAN H

(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)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	SVP, Chief Accounting Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/15/2026

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	05/15/2026		F		113⁽¹⁾	D	$32.06	21,094	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. 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	05/18/2026
	** 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.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR

FAQ

What did UCB executive Alan H. Kumler report in this Form 4 transaction?

Alan H. Kumler reported a tax-withholding disposition of 113 shares of UNITED COMMUNITY BANKS INC Common Stock. The shares were withheld by the company to satisfy tax obligations triggered when his time-based stock units vested, rather than through an open-market sale.

Was the UCB Form 4 transaction an open-market sale of shares?

No, the transaction was not an open-market sale. The company withheld 113 shares of Common Stock at vesting to cover Alan H. Kumler’s tax withholding obligations, as described in the filing footnote, making it a routine, non-market tax-withholding event instead of a discretionary sale.

How many UNITED COMMUNITY BANKS (UCB) shares were withheld for taxes?

The filing shows that 113 shares of UNITED COMMUNITY BANKS INC Common Stock were withheld. These shares were retained by the issuer to satisfy Alan H. Kumler’s tax obligations arising from the vesting of his time-based stock units on May 15, 2026.

At what price were the withheld UCB shares valued in the Form 4?

The 113 withheld shares were valued at $32.06 per share in the Form 4. This price is used to calculate the value of shares delivered to satisfy Alan H. Kumler’s tax liability when his time-based stock units vested on May 15, 2026.

How many UNITED COMMUNITY BANKS shares does Alan H. Kumler hold after this filing?

Following the tax-withholding disposition, Alan H. Kumler directly holds 21,094 shares of UNITED COMMUNITY BANKS INC Common Stock. This post-transaction balance reflects his remaining direct ownership after 113 shares were withheld by the issuer to cover his related tax obligations.