Vanguard Portfolio Management boosts stake in United Community Banks (UCB) to 6.77%

Rhea-AI Filing Summary

United Community Banks Inc. Schedule 13G shows Vanguard Portfolio Management reported beneficial ownership of 8,107,083 shares of Common Stock as of 03/31/2026. The filing states this represents 6.77% of the class and that Vanguard has sole dispositive power over those shares and sole voting power for 62,091 shares. The filing attributes ownership to Vanguard Portfolio Management LLC and affiliated investment divisions and lists agency/dispositive arrangements in accordance with SEC Release No. 34-39538.

Insights

Institutional Ownership Analyst

Vanguard holds a meaningful passive stake of 6.77% in United Community Banks.

The filing reports 8,107,083 shares beneficially owned with sole dispositive power, indicating control over trading decisions for these holdings. The position is reported on a Schedule 13G, which typically signals passive investment rather than active activist intent.

Key dependencies include whether holdings change in subsequent filings and whether Vanguard or its funds alter voting patterns; subsequent beneficial ownership filings will show that evolution.

Key Figures

Beneficial ownership: 8,107,083 shares Percent of class: 6.77% Sole voting power: 62,091 shares +2 more

5 metrics

Beneficial ownership 8,107,083 shares Amount beneficially owned (Schedule 13G)

Percent of class 6.77% Percent of class reported on Schedule 13G

Sole voting power 62,091 shares Sole power to vote or direct the vote

Reporting date 03/31/2026 Date tied to ownership amount in the filing header

Signature date 04/29/2026 Date the filing was signed by Vanguard representative

Key Terms

Schedule 13G, Beneficially owned, Sole dispositive power, SEC Release No. 34-39538

4 terms

Schedule 13G regulatory

"Schedule 13G shows Vanguard Portfolio Management reported beneficial ownership"

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

Beneficially owned financial

"reflects the securities beneficially owned, or deemed to be beneficially owned"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

Sole dispositive power regulatory

"Sole power to dispose or to direct the disposition of: 8107083"

Sole dispositive power is the exclusive legal authority to decide what happens to a security — for example, whether to sell, transfer, or retain shares — without needing anyone else’s permission. Investors care because it signals who truly controls the economic outcome of an investment: like holding the only key to a safe, the holder can realize gains or losses and may trigger regulatory reporting, insider rules, or influence over corporate ownership.

SEC Release No. 34-39538 regulatory

"In accordance with SEC Release No. 34-39538 (January 12, 1998)"

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

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Accepted by SEC EDGAR 04/29/2026 - 03:56 PM Learn about SEC filing dates

FAQ

What stake does Vanguard Portfolio Management report in United Community Banks (UCB)?

Vanguard reports beneficial ownership of 8,107,083 shares, equal to 6.77% of the class as stated in the filing, with dispositive control over those shares as of 03/31/2026.

Does Vanguard have voting control over its UCB shares?

Vanguard reports sole voting power for 62,091 shares and sole dispositive power for 8,107,083 shares. The filing distinguishes voting and dispositive authority per Schedule 13G reporting.

What does Schedule 13G filing by Vanguard indicate about its intent?

A Schedule 13G filing typically indicates a passive investment intent. The filing lists beneficial ownership and agency arrangements; it does not assert activist intentions or plans to change control.

Are the Vanguard-held UCB shares owned by a single Vanguard entity?

The filing attributes ownership to Vanguard Portfolio Management LLC and affiliated divisions, noting holdings include Vanguard funds and client accounts over which the reporting unit exercises dispositive power.

Who signed the filing for Vanguard and when?

The filing was signed by Ashley Grim, Head of Global Fund Administration on 04/29/2026, certifying the reported ownership data.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

United Community Banks Inc/GA

(Name of Issuer)

Common Stock

(Title of Class of Securities)

90984P303

(CUSIP Number)

03/31/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 90984P303

1

Names of Reporting Persons

Vanguard Portfolio Management

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

PENNSYLVANIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 62,091.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 8,107,083.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

8,107,083.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

6.77 %

12

Type of Reporting Person (See Instructions)

IA

Comment for Type of Reporting Person: In accordance with SEC Release No. 34-39538 (January 12, 1998), this Schedule 13G reflects the securities beneficially owned, or deemed to be beneficially owned, by Vanguard Portfolio Management LLC and the following affiliates of Vanguard Portfolio Management LLC or business divisions of such affiliates: Vanguard Fiduciary Trust Company and Vanguard Global Advisers, LLC. This Schedule 13G includes securities held by Vanguard funds, or sleeves thereof, over which Vanguard Portfolio Management LLC exercises dispositive power, in addition to securities held by clients over which the affiliates or business divisions of such affiliates indicated above exercise dispositive and/or voting power. This Schedule 13G does not include securities, if any, beneficially owned by other subsidiaries or affiliates of Vanguard Portfolio Management LLC, or business divisions of such subsidiaries whose ownership of securities is disaggregated from that of the reporting business unit in accordance with such release.

SCHEDULE 13G

Item 1.
(a)	Name of issuer: United Community Banks Inc/GA
(b)	Address of issuer's principal executive offices: 125 Highway 515 East, Blairsville, GA, 30512
Item 2.
(a)	Name of person filing: Vanguard Portfolio Management
(b)	Address or principal business office or, if none, residence: 100 Vanguard Blvd,, Malvern, PA, 19355
(c)	Citizenship: PA
(d)	Title of class of securities: Common Stock
(e)	CUSIP Number(s): 90984P303
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 8107083
(b)	Percent of class: 6.77 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 62091
	(ii) Shared power to vote or to direct the vote: 0
	(iii) Sole power to dispose or to direct the disposition of: 8107083
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. Vanguard Portfolio Management, including investment companies registered under the Investment Company Act of 1940 and other managed accounts, have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the securities reported herein.No one other person's interest in the securities reported herein is more than 5%.
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Vanguard Portfolio Management

Signature:	Ashley Grim
Name/Title:	Head of Global Fund Administration
Date:	04/29/2026