Welcome to our dedicated page for UNITED COMMUNITY BANKS SEC filings (Ticker: UCB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Our SEC filing database is enhanced with expert analysis from Rhea-AI, providing insights into the potential impact of each filing on UNITED COMMUNITY BANKS's stock performance. Each filing includes a concise AI-generated summary, sentiment and impact scores, and end-of-day stock performance data showing the actual market reaction. Navigate easily through different filing types including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, proxy statements (DEF 14A), and Form 4 insider trading disclosures.
Designed for fundamental investors and regulatory compliance professionals, our page simplifies access to critical SEC filings. By combining real-time EDGAR feed updates, Rhea-AI's analytical insights, and historical stock performance data, we provide comprehensive visibility into UNITED COMMUNITY BANKS's regulatory disclosures and financial reporting.
United Community Banks reported Q1 2026 results and discussed the announced acquisition of Peach State Bancshares. Q1 net income was about $84 million, EPS $0.69 (operating EPS $0.70, a 19% increase vs. Q1 2025). Loan growth annualized was 4.5%, net interest margin was 3.65%, and credit metrics remained strong with net charge-offs of 22 bps and NPAs of 50 bps. Capital remains robust: CET1 13.4% and TCE 9.92%, with a $0.25 quarterly dividend and $37 million of share repurchases in Q1.
Acquisition details: Peach State has about $800 million of assets and $713 million of deposits. Deal value is ~$100 million, paid 50/50 cash and stock at 1.9x tangible book and 6x cost-saved earnings, with estimated 40% cost saves. United estimates the deal is $0.09 accretive in 2027 and $0.12 accretive after the planned repurchase of the issued shares by year-end.
United Community Banks, Inc. reported stronger first-quarter 2026 results, with net income of $84.3 million and diluted EPS of $0.69, up 19% from a year earlier. Total revenue rose to $276.5 million, driven by higher net interest revenue and noninterest income, producing operating pre-tax, pre-provision income of $119.2 million.
Profitability improved, with return on assets at 1.22%, operating return on common equity at 9.39%, and operating return on tangible common equity at 13.05%. The fully taxable-equivalent net interest margin expanded to 3.65%, up 29 basis points from first quarter 2025.
Credit quality remained controlled: net charge-offs were $10.4 million, or 0.22% of average loans, and nonperforming assets were 0.35% of total assets. Loans grew to $19.6 billion, while deposits reached $24.0 billion. The allowance for credit losses on loans was $208.4 million, or 1.06% of loans.
Capital stayed solid, with tangible common equity to tangible assets at 9.92% and book value per share at $30.54. The company repurchased 1.09 million common shares at an average price of $33.97 and plans to redeem its remaining $100 million of subordinated debentures in the second quarter. United also executed a definitive agreement to acquire Peach State Bancshares, Inc., adding a new community banking franchise, with further details provided in a separate SEC presentation.
United Community Banks, Inc. (UCB) and Peach State Bancshares, Inc. entered into an Agreement and Plan of Merger announced on April 21, 2026, under which Peach State will merge into United and Peach State Bank & Trust will merge into United Community Bank.
The filing states United will file a registration statement on Form S-4 containing Peach State’s proxy statement and United’s prospectus to register the shares to be issued in the merger. The companies attached a joint press release and an investor presentation as exhibits.
United Community Banks, Inc. plans to acquire Peach State Bancshares, Inc., parent of Peach State Bank & Trust, in a stock-and-cash merger valued at $100.8 million. Peach State shareholders may elect $31.75 in cash or 0.8978 United shares per Peach State share, subject to a 50% stock / 50% cash proration.
Peach State Bank, based in Gainesville, Georgia, had $788 million in assets, $498 million in loans and $713 million in deposits as of March 31, 2026. United, with $28.2 billion in assets and 200 offices across six Southeastern states, expects the deal to significantly expand its Gainesville market presence.
The merger is projected to increase United’s earnings per share in 2027 by about $0.09 (around 3%), or about $0.12 (around 4%) if United repurchases enough shares to offset dilution. The transaction targets an internal rate of return above 25% and is expected to close in the third quarter of 2026, subject to Peach State shareholder and regulatory approvals and customary conditions.
United Community Banks, Inc. is asking shareholders to vote at its virtual 2026 Annual Meeting on May 13, 2026 at 3:00 p.m. Eastern time. Items include electing 12 directors, an advisory vote on executive pay, and ratifying PricewaterhouseCoopers LLP as auditor for 2026.
The company highlights 2025 as its 75th anniversary and a year of improved performance, with operating earnings up 18% to $336 million, operating EPS up 18% to $2.71, and revenue exceeding $1 billion for the first time. Management notes more than $40 million of stock repurchases, continued dividend increases, a strong risk and governance framework, and a largely independent, skills-diverse 12‑member board, led by a combined Chairman/CEO and an active independent Lead Director.
The Vanguard Group filed Amendment No. 9 to a Schedule 13G/A reporting zero shares beneficially owned of United Community Banks common stock and 0% of the class. The filing states that on January 12, 2026 Vanguard underwent an internal realignment and certain subsidiaries will report ownership separately in reliance on SEC Release No. 34-39538.
The amendment is signed by Ashley Grim as Head of Global Fund Administration on 03/27/2026 and lists Amount beneficially owned: 0 with sole and shared voting and dispositive powers all 0.
UNITED COMMUNITY BANKS INC President & CEO H. Lynn Harton reported an indirect open-market sale of 25,000 shares of common stock at an average price of $34.636 per share. The shares were sold by the Herbert Lynn Harton Revocable Trust under a pre-arranged Rule 10b5-1 trading plan. Following this transaction, the trust held 84,123 shares indirectly, while Harton also reported 252,705 shares held directly.
UNITED COMMUNITY BANKS INC executive Holly N. Berry reported equity compensation activity involving the company’s common stock. On February 15, 2026, she acquired 1,505 shares at a price of $0.00 per share from the vesting of previously granted performance stock units after performance criteria were met. On the same date, a total of 1,046 shares were disposed of at $34.56 per share, representing shares of common stock withheld to cover tax withholding obligations upon vesting of performance and time-based stock units, rather than open-market sales.
UNITED COMMUNITY BANKS INC executive reports stock grant and tax withholdings. EVP and Chief Banking Officer Richard Bradshaw acquired 7,217 shares of common stock on February 15, 2026 at a stated price of $0.00, reflecting the satisfaction of performance criteria for previously awarded performance stock units that vested on that date.
On the same day, 2,359 shares and 1,374 shares of common stock were disposed of at $34.56 per share, representing shares withheld to satisfy tax withholding obligations upon vesting of performance and time-based stock units. After these transactions, Bradshaw directly owned 85,837 shares of UNITED COMMUNITY BANKS INC common stock.