Equity awards and tax-related share dispositions for UCB (UCB) EVP

Rhea-AI Filing Summary

United Community Banks Inc. executive Melinda Davis Lux, EVP, CAO & GC, reported equity compensation changes in company common stock. On February 15, 2026, she acquired 5,012 shares at $0.00 through the vesting of performance stock units. On the same date, 1,522 shares and 1,230 shares were disposed of at $34.56 per share to satisfy tax withholding obligations upon vesting, leaving her with 43,637 directly owned common 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

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^*

DAVIS LUX MELINDA

(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, CAO & GC

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		5,012(1)	A	$0	46,389	D
Common Stock	02/15/2026		F		1,522(2)	D	$34.56	44,867	D
Common Stock	02/15/2026		F		1,230(3)	D	$34.56	43,637	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	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 executive Melinda Davis Lux report on February 15, 2026?

Melinda Davis Lux reported vesting of performance stock units into 5,012 common shares and tax-related dispositions of 1,522 and 1,230 shares on February 15, 2026. These transactions reflect equity compensation events rather than open-market buying or selling activity.

How many United Community Banks (UCB) shares does Melinda Davis Lux own after these Form 4 transactions?

After the reported transactions, Melinda Davis Lux directly owns 43,637 shares of United Community Banks common stock. This figure reflects the net result of the 5,012-share equity award vesting and the two tax-withholding dispositions reported for February 15, 2026.

Were the UCB Form 4 transactions by Melinda Davis Lux open-market sales or tax withholdings?

The dispositions reported by Melinda Davis Lux were tax-withholding events, not open-market sales. Shares were withheld at $34.56 per share to satisfy tax obligations triggered by the vesting of performance and time-based stock units on February 15, 2026.

What does the 5,012-share acquisition in the UCB Form 4 represent for Melinda Davis Lux?

The 5,012-share acquisition represents satisfaction of performance criteria for previously granted performance stock units that vested on February 15, 2026. These shares were awarded at $0.00 per share as part of her equity compensation from United Community Banks.

What role does Melinda Davis Lux hold at United Community Banks (UCB) in this Form 4 filing?

In this Form 4, Melinda Davis Lux is identified as an officer of United Community Banks, serving as EVP, CAO & GC. The reported transactions relate to her compensation-based stock awards and related tax-withholding dispositions in the company’s common stock.