[Form 4] United Community Banks Inc. Insider Trading Activity

Rhea-AI Filing Summary

EVP & Chief Banking Officer Richard Bradshaw filed a Form 4 disclosing a bona-fide gift (Code G) of 328 United Community Banks, Inc. (UCBI) common shares on 07/31/2025. The transfer occurred at $0.00 per share, lowering his directly held stake from 77,912 to 77,584 shares. No derivative transactions or 10b5-1 plan indications were included.

The disposition represents less than 0.5% of Bradshaw’s personal holdings and is immaterial relative to the company’s outstanding share count, suggesting negligible market impact. No changes to his executive role or other insider activity were reported.

Insights

Securities Analyst

TL;DR: Minor gift of 328 shares by UCBI EVP; no valuation impact expected.

Insider code G denotes a charitable or personal transfer at no consideration, implying neither bullish nor bearish intent. Post-transaction ownership of 77,584 shares keeps Bradshaw’s economic exposure largely intact. Given UCBI’s ~100 million outstanding shares, the event is statistically irrelevant to float or sentiment. I classify the filing as routine and non-impactful.

Corporate Governance Expert

TL;DR: Routine compliance filing; governance posture unchanged.

The timely submission aligns with Section 16 obligations and shows transparent reporting. Absence of derivative dealings or sales limits any governance concerns. No Rule 10b5-1 safe-harbor box was ticked, but nature of a gift reduces risk of improper timing. Overall, this is standard housekeeping.

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^*

BRADSHAW RICHARD

(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 Banking Officer

3. Date of Earliest Transaction (Month/Day/Year)
07/31/2025

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	07/31/2025		G		328	D	$0	77,584	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:

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	08/05/2025
	** 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 UCBI report on this Form 4?

Richard Bradshaw reported a bona-fide gift of 328 common shares on 07/31/2025.

How many United Community Banks (UCBI) shares does the EVP now hold?

Following the transaction, Bradshaw directly owns 77,584 shares.

What does Transaction Code G mean on Form 4?

Code G signifies a gift or charitable transfer made for no monetary consideration.

Was this filing part of a Rule 10b5-1 trading plan?

No. The box indicating a 10b5-1(c) plan was not checked.

Did the filing include any derivative security activity?

No derivative securities were acquired, disposed, or held in this report.