United Community Banks EVP receives stock award and withholding

United Community Banks Inc EVP and Chief Risk Officer Robert A. Edwards reported equity compensation activity on February 15, 2026.

Rhea-AI Filing Summary

United Community Banks Inc EVP and Chief Risk Officer Robert A. Edwards reported equity compensation activity on February 15, 2026. He received 4,580 shares of common stock upon vesting of performance units, while 2,398 shares were withheld at $34.56 per share to satisfy tax obligations on performance and time-based stock units. After these transactions, he directly holds 59,377 shares of common stock.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider EDWARDS ROBERT A.

Role EVP, Chief Risk Officer

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	4,580	$0.00	$0.00
Exercise Price or Tax Liability	Common Stock	1,392	$34.56	$48K
Exercise Price or Tax Liability	Common Stock	1,006	$34.56	$35K

Holdings After Transaction: Common Stock — 59,377 shares (Direct)

Footnotes (3)

1. F1. Reflects the satisfaction of performance criteria for previously awarded performance stock units which vested on February 15, 2026.
2. F2. Reflects shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of performance stock units.
3. F3. Reflects shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of time-based stock units.

Key Figures

Stock grant: 4,580 shares Tax withholding (performance units): 1,392 shares Tax withholding (time-based units): 1,006 shares +3 more

6 metrics

Stock grant 4,580 shares Common stock acquired via unit vesting on February 15, 2026

Tax withholding (performance units) 1,392 shares Shares withheld to satisfy tax obligations on performance stock units vesting

Tax withholding (time-based units) 1,006 shares Shares withheld to satisfy tax obligations on time-based stock units vesting

Total tax-withheld shares 2,398 shares Aggregate common stock withheld for tax obligations on February 15, 2026

Tax-withholding price 34.5600 per share Price used for the two tax-withholding dispositions of common stock

Post-transaction holdings 59,377 shares Direct common stock holdings after reported transactions

Key Terms

performance stock units, time-based stock units, tax withholding obligations

3 terms

performance stock units financial

"satisfaction of performance criteria for previously awarded performance stock units"

Performance stock units are a type of company award that grants employees shares of stock only if certain performance goals are met. They motivate employees to work toward specific company achievements, aligning their interests with those of shareholders. For investors, they can influence a company's future stock supply and reflect management’s confidence in reaching key targets.

time-based stock units financial

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

tax withholding obligations financial

"shares of common stock withheld to satisfy tax withholding obligations upon vesting"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What transactions did UCB insider Robert A. Edwards report in this Form 4?

Robert A. Edwards, EVP and Chief Risk Officer, reported 4,580 shares of United Community Banks common stock acquired through unit vesting and 2,398 shares withheld at $34.56 per share to cover tax obligations on those awards.

How many United Community Banks (UCB) shares were granted to Robert A. Edwards?

On February 15, 2026, Robert A. Edwards received 4,580 shares of United Community Banks common stock, reflecting the satisfaction of performance criteria for previously awarded performance stock units that vested on that date.

How many UCB shares were withheld for taxes in Robert Edwards’ Form 4?

A total of 2,398 shares of United Community Banks common stock were withheld at $34.56 per share to satisfy tax withholding obligations, split between 1,392 shares tied to performance stock units and 1,006 shares tied to time-based stock units.

What is Robert A. Edwards’ United Community Banks (UCB) shareholding after these transactions?

Following the February 15, 2026 vesting and tax-withholding transactions, Robert A. Edwards directly holds 59,377 shares of United Community Banks common stock, as reported in the post-transaction holdings information.

What types of equity awards vested for UCB’s Robert Edwards on February 15, 2026?

The Form 4 notes vesting of performance stock units subject to performance criteria and time-based stock units, with associated tax withholding in United Community Banks common stock to cover obligations upon vesting.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 02/18/2026 - 04:03 PM Learn about SEC filing dates

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^*

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).
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.