United Community Banks (UCB) EVP awarded 6,659 restricted shares

Rhea-AI Filing Summary

United Community Banks, Inc. reported that executive vice president, chief administrative officer and general counsel Melinda Davis Lux acquired 6,659 shares of common stock on a non-cash basis through a grant of time-based restricted stock units. These units vest in four equal 25% installments on February 15 of 2027, 2028, 2029 and 2030. Following this award, she beneficially owns 41,377 shares of common stock directly.

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)
02/12/2026

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	02/12/2026		A		6,659(1)	A	$0	41,377	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. Represents grant of time-based restricted stock units, which vest 25% on February 15, 2027, February 15, 2028, February 15, 2029 and February 15, 2030.

Remarks:

	/s/ Melinda Davis Lux	02/17/2026
	** 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 transaction did UCB report for Melinda Davis Lux?

United Community Banks reported that EVP, CAO & GC Melinda Davis Lux acquired 6,659 common shares via a grant of time-based restricted stock units. The award was recorded at a price of $0 per share and increased her direct beneficial ownership to 41,377 shares.

When did the reported UCB insider equity grant take place?

The insider equity grant for Melinda Davis Lux at United Community Banks occurred on February 12, 2026. On that date, she received 6,659 restricted stock units, recorded as an acquisition of common stock, with no cash price attached to the award.

How many UCB shares does Melinda Davis Lux own after this Form 4?

After the reported transaction, Melinda Davis Lux beneficially owns 41,377 shares of United Community Banks common stock. This total reflects the addition of 6,659 time-based restricted stock units granted on February 12, 2026, held as direct ownership according to the filing.

What type of equity award did UCB grant to Melinda Davis Lux?

United Community Banks granted Melinda Davis Lux time-based restricted stock units representing 6,659 shares of common stock. These units were reported as an acquisition at a price of $0 per share and are scheduled to vest in stages over several future years.

What is the vesting schedule for the UCB restricted stock units?

The 6,659 restricted stock units granted to Melinda Davis Lux vest 25% on February 15, 2027, 25% on February 15, 2028, 25% on February 15, 2029 and 25% on February 15, 2030. This creates a four-year, evenly staged vesting period.

Is the UCB insider transaction a purchase or an award?

The United Community Banks transaction is an equity award, not a market purchase. It is coded as a grant, award or other acquisition, with 6,659 restricted stock units issued at a price of $0 per share to executive Melinda Davis Lux as part of her compensation.