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

Rhea-AI Filing Summary

United Community Banks insider report: Terry Mark Aaron, Executive Vice President and Chief Information Officer, reported a transaction dated 08/15/2025 involving the issuer's common stock (UCB). The Form 4 shows a disposition coded "F" with an explanatory footnote that shares were withheld to satisfy tax withholding obligations upon vesting of time-based stock units. The transaction lists a price of $31.21 and, following the transaction, Mr. Aaron beneficially owned 21,715 shares of common stock in a direct ownership form. The filing was signed by an attorney-in-fact on behalf of the reporting person.

Insights

Corporate Governance Expert

TL;DR: Routine tax-withholding disposition after vesting of time-based units; not indicative of active selling for liquidity.

The Form 4 documents a common tax-related disposition: shares were withheld to cover tax obligations when time-based stock units vested. The report identifies the reporting person as an executive officer (EVP, CIO) and shows direct beneficial ownership of 21,715 shares following the withholding. This is a procedural transaction commonly seen after equity vesting and does not reflect an open-market sale or a change in control. The presence of an attorney-in-fact signature indicates the filing was completed by a designated representative.

Securities Analyst

TL;DR: Transaction is a non-dispositive, tax-withholding event tied to vesting; material impact on holders is negligible.

The entry uses Transaction Code F with an explanatory note that shares were withheld for tax withholding upon vesting of time-based stock units. The record shows a unit price of $31.21 associated with the withheld shares and a post-transaction direct ownership position of 21,715 shares. Such withholding reduces outstanding shares held by the insider but is routine and generally immaterial to company valuation or investor position absent larger concurrent sales or transfers.

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^*

Terry Mark Aaron

(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 Information 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		53(1)	D	$31.21	21,715	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 Terry Mark Aaron report on Form 4?

The Form 4 reports a disposition coded "F" on 08/15/2025 related to shares withheld to satisfy tax withholding upon vesting of time-based stock units.

How many shares does Terry Mark Aaron beneficially own after the reported transaction?

Following the reported transaction, the filing shows 21,715 shares beneficially owned in direct form.

What price is shown for the reported transaction on the Form 4?

The report lists a price of $31.21 associated with the transaction.

What is the relationship of the reporting person to UCBI?

The reporting person is an Executive Vice President and Chief Information Officer and also listed as a director/officer.

Why were shares disposed according to the Form 4 explanation?

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