UCB (UCB) risk chief reports stock grant and tax-withheld shares

Rhea-AI Filing Summary

UNITED COMMUNITY BANKS INC EVP and Chief Risk Officer Robert A. Edwards reported equity compensation activity involving the company’s common stock. On February 15, 2026, he acquired 4,580 shares through a grant or award at $0.00 per share, reflecting vested performance stock units that met their performance criteria.

On the same date, he disposed of 1,392 shares and 1,006 shares of common stock at $34.56 per share in two separate tax-withholding dispositions. These shares were withheld by the issuer to cover tax obligations upon vesting of performance and time-based stock units. After these transactions, his directly owned common stock holdings decreased from 61,775 shares to 59,377 shares.

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^*

EDWARDS ROBERT A.

(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 Risk 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		4,580(1)	A	$0	61,775	D
Common Stock	02/15/2026		F		1,392(2)	D	$34.56	60,383	D
Common Stock	02/15/2026		F		1,006(3)	D	$34.56	59,377	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 did UCB executive Robert A. Edwards report on this Form 4?

Robert A. Edwards reported equity compensation activity in UNITED COMMUNITY BANKS INC common stock. He received a share grant tied to vested performance stock units and had shares withheld to cover tax obligations upon vesting of both performance and time-based stock units.

How many UNITED COMMUNITY BANKS INC shares did Robert A. Edwards acquire?

He acquired 4,580 shares of UNITED COMMUNITY BANKS INC common stock. The acquisition was recorded at a price of $0.00 per share and reflects the satisfaction of performance criteria for previously awarded performance stock units that vested on February 15, 2026.

What were the tax-withholding dispositions reported by UCB’s Chief Risk Officer?

He reported two tax-withholding dispositions of UCB common stock. One involved 1,392 shares at $34.56 per share; the other involved 1,006 shares at the same price, both representing shares withheld to satisfy tax obligations upon vesting of stock units.

Did Robert A. Edwards sell UCB shares on the open market in this filing?

The filing shows only tax-withholding dispositions, not open-market sales. Shares were withheld by UNITED COMMUNITY BANKS INC to pay tax liabilities when performance and time-based stock units vested on February 15, 2026, as described in the footnotes.

What is Robert A. Edwards’ UCB share ownership after these transactions?

After the reported transactions, his directly owned UCB common stock totaled 59,377 shares. This reflects the grant of 4,580 shares and the withholding of 1,392 and 1,006 shares for tax purposes, as disclosed in the Form 4 data.

What role does Robert A. Edwards hold at UNITED COMMUNITY BANKS INC?

He serves as Executive Vice President and Chief Risk Officer at UNITED COMMUNITY BANKS INC. His Form 4 filing reports changes in his direct ownership of the company’s common stock due to equity awards and related tax-withholding share dispositions.