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

Rhea-AI Filing Summary

United Community Banks insider tax-withholding on vested equity reduced an officer's holdings. Richard Bradshaw, an Executive Vice President and Chief Banking Officer, reported on Form 4 that on 08/15/2025 178 shares of the issuer's common stock were disposed (withheld) to satisfy tax withholding associated with the vesting of time-based stock units at a per-share price of $31.21. Following the withholding, Mr. Bradshaw beneficially owns 76,749 shares directly. The Form 4 was signed on behalf of the reporting person by an attorney-in-fact on 08/19/2025. The filing expressly states the shares were withheld for tax obligations and contains no other transactions or derivative activity.

Positive

• Timely and complete disclosure of the withholding transaction on Form 4, including price and resulting beneficial ownership
• Transaction classified as tax withholding (not an open-market sale), indicating routine administrative handling of vested awards

Negative

• None.

Insights

Securities Insider Transactions Analyst

TL;DR: Routine tax-withholding on vested equity; immaterial to firm valuation.

The Form 4 documents a small, customary disposition where 178 shares were withheld to meet tax obligations upon vesting. The transaction is coded as a disposition for tax withholding rather than an open-market sale, indicating no deliberate liquidity event by the officer. The remaining direct beneficial ownership of 76,749 shares remains intact. This is a standard administrative post-vesting action with no disclosed change in role or additional compensation terms.

Corporate Governance Specialist

TL;DR: Compliance filing meets Section 16 reporting; no governance concerns raised.

The Form 4 provides the requisite disclosure for an officer-level recipient of equity awards and records the tax-withholding method used at vesting. The report was timely and executed via attorney-in-fact, which is a common practice. There are no indications of unusual timing, related-party transfers, or derivative exercises that would trigger governance red flags.

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^*

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)
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		178(1)	D	$31.21	76,749	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 did United Community Banks insider Richard Bradshaw report on Form 4 (UCBI)?

The Form 4 reports that on 08/15/2025 178 shares were withheld to satisfy tax withholding on vested time-based stock units at a price of $31.21, leaving 76,749 shares beneficially owned directly.

Was the 08/15/2025 transaction an open-market sale for UCBI shares?

No. The filing lists the transaction code reflecting shares withheld for tax withholding upon vesting, not a sale in the open market.

What is Richard Bradshaw's role at United Community Banks as shown on the Form 4?

He is reported as an Executive Vice President and Chief Banking Officer and a director.

When was the Form 4 signed and who signed it?

The Form 4 bears a signature executed by an attorney-in-fact, Melinda Davis Lux, dated 08/19/2025.

Does the filing show any derivative securities activity for this reporting person?

No. Table II for derivative securities shows no reported activity; only the non-derivative withholding is disclosed.