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

Rhea-AI Filing Summary

United Community Banks insider sale and ownership update. The filing shows that on 08/15/2025 reporting person Harton H. Lynn disposed of 1,090 shares of common stock at a price of $31.21 per share. The form states the disposition reflects shares withheld to satisfy tax withholding when time-based stock units vested. After the reported transaction, Mr. Harton directly beneficially owns 213,734 shares and indirectly owns 109,123 shares through the Herbert Lynn Harton Revocable Trust dated 3/16/15. The report was filed individually and signed by an attorney-in-fact on 08/19/2025.

Positive

• Transaction was tax withholding on vested time-based stock units, indicating an administrative action rather than an opportunistic sale
• Substantial remaining ownership: 213,734 shares direct and 109,123 shares indirect, showing continued insider stake

Negative

• Small reduction in direct holdings: 1,090 shares were disposed of, decreasing direct beneficial ownership

Insights

Corporate Governance Expert

TL;DR: Routine tax-related withholding reduced direct holdings modestly; substantial residual direct and indirect ownership remains.

The disposal of 1,090 shares is identified as a withholding action tied to vested time-based stock units rather than an open-market sale, indicating this transaction was administrative and not an active liquidity event. Direct ownership of 213,734 shares plus indirect ownership of 109,123 shares through a revocable trust indicate continued alignment with shareholder interests. The disclosure complies with Section 16 reporting and includes an attorney-in-fact signature, reflecting standard governance procedures.

Securities Analyst

TL;DR: Small share disposition for tax withholding; overall insider stake remains sizable.

The reported disposition of 1,090 shares at $31.21 appears to be solely for tax withholding on vested equity awards, per the filer’s explanation. Such withholding typically has negligible impact on float or market dynamics. The combined direct and indirect holdings (322,857 shares total) remain material from a governance perspective and should be tracked in subsequent filings for any trend of systematic selling or larger disposals.

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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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^*

HARTON H LYNN

(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)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President & CEO

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		1,090(1)	D	$31.21	213,734	D
Common Stock								109,123	I	By Herbert Lynn Harton Revocable Trust dated 3/16/15

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 the Form 4 for UCBI report on 08/15/2025?

It reported the disposal of 1,090 shares at $31.21 per share, recorded as tax withholding related to vested time-based stock units.

How many UCBI shares does Harton H. Lynn own after the transaction?

He directly owns 213,734 shares and indirectly owns 109,123 shares through a revocable trust, for a combined 322,857 shares.

Was the Form 4 filed individually or jointly?

The form was filed by one reporting person (individual filing) and signed by an attorney-in-fact on 08/19/2025.

Why were shares disposed of according to the filing?

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

Does the filing indicate an open-market sale of UCBI shares?

No. The filing states the disposition reflects tax withholding tied to vesting, not an open-market sale.