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

Rhea-AI Filing Summary

Harralson Jefferson L, Executive Vice President and Chief Financial Officer of United Community Banks, reported a routine dispositional transaction of the issuer's common stock. On 08/15/2025 he disposed of 227 shares via code F at a price of $31.21 per share, and the filing explains these shares were withheld to satisfy tax withholding obligations upon vesting of time-based stock units. After the transaction he beneficially owns 53,109 shares directly. The Form 4 was signed by an attorney-in-fact on behalf of the reporting person.

Insights

Financial Analyst

TL;DR: A routine tax-withholding share disposition by the CFO; not a directional trading signal for investors.

Disposal of 227 shares at $31.21 to meet tax obligations following vesting is a common occurrence for executives and does not indicate a discretionary sale intended to change exposure. The remaining direct beneficial ownership of 53,109 shares maintains executive alignment with shareholders. No debt, compensation changes, or material corporate events are disclosed in the filing.

Corporate Governance Expert

TL;DR: Administrative withholding of shares on vesting; complies with standard equity compensation procedures.

The Form 4 documents a withholding transaction consistent with equity award tax-satisfaction practices. The disclosure is clear on the nature of the transaction and the reporting relationship (EVP, CFO). There is no indication of unusual timing or a planned open-market sale, and governance transparency requirements appear satisfied by the filing.

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^*

HARRALSON JEFFERSON L

(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, CFO

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		227(1)	D	$31.21	53,109	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 UCBI insider Harralson Jefferson L report on Form 4?

The filing reports a disposition of 227 shares of United Community Banks common stock on 08/15/2025 at $31.21 per share.

Why were the 227 shares disposed according to the Form 4 for UCBI?

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

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

After the reported transaction the reporting person beneficially owns 53,109 shares directly.

What is the reporting person's role at United Community Banks (UCBI)?

The reporting person is identified as EVP, Chief Financial Officer of United Community Banks.

Who signed the Form 4 on behalf of the reporting person and when?

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