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

Rhea-AI Filing Summary

United Community Banks, Inc. (UCB) Form 4 shows that Robert A. Edwards, EVP and Chief Risk Officer, had a reported transaction on 08/15/2025 involving the companys common stock. The filing reports a disposition of 214 shares at a price of $31.21 per share, leaving Mr. Edwards with 54,547 shares beneficially owned, held directly. The filing states the 214 shares were withheld to satisfy tax withholding obligations upon vesting of time-based stock units. The Form 4 is signed by an attorney-in-fact on 08/19/2025.

Positive

• Insider retains substantial direct ownership of 54,547 shares, indicating continued alignment with shareholders
• Transaction is administrative (tax withholding on vested awards), suggesting no discretionary divestiture by the officer

Negative

• Disposition of 214 shares reduced the officer's direct holdings, though the amount is small
• No additional context provided on vesting schedule or remaining unvested awards

Insights

Securities Analyst

TL;DR: Routine tax-withholding sale of vested units; small disposition relative to total holdings, no material governance change.

The reported transaction is a disposition of 214 shares at $31.21 per share to satisfy tax withholding on vested time-based stock units. Such withholding sales are common and typically non-discretionary, reflecting compensation settlement rather than active trading by the officer. The remaining direct beneficial ownership of 54,547 shares indicates continued alignment with shareholders, and there is no indication of additional sales or derivative activity in this filing.

Corporate Governance Expert

TL;DR: Administrative share withholding for taxes, not a deliberate signal about company prospects.

The explanation in the Form 4 explicitly states the shares were withheld to meet tax obligations upon vesting of time-based stock units. This is an administrative action and generally carries neutral governance implications. The filing is properly executed by an attorney-in-fact and documents direct ownership; no related-party transactions, departures, or material changes to insider ownership structure are disclosed.

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
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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^*

EDWARDS ROBERT A.

(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 Risk Officer

3. Date of Earliest Transaction (Month/Day/Year)
08/15/2025

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	08/15/2025		F		214(1)	D	$31.21	54,547	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 shares of Issuer's common stock withheld to satisfy tax withholding obligations upon vesting of time-based stock units.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	08/19/2025
	** 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 transaction did Robert A. Edwards (UCB) report on Form 4?

The Form 4 reports a disposition of 214 shares on 08/15/2025 at a price of $31.21 per share.

Why were the 214 shares disposed according to the filing?

The filing states the shares were withheld to satisfy tax withholding obligations upon vesting of time-based stock units.

How many shares does the reporting person beneficially own after the transaction?

After the reported transaction, the reporting person beneficially owns 54,547 shares (direct ownership).

Who signed the Form 4 and when was it signed?

The Form 4 was signed by Melinda Davis Lux, Attorney in Fact on 08/19/2025.

What is the reporting person's role at United Community Banks, Inc. (UCB)?

The reporting person is listed as an Officer with the title EVP, Chief Risk Officer and also a Director.