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

Rhea-AI Filing Summary

United Community Banks insider Robert A. Edwards, EVP and Chief Risk Officer, reported a transaction on 09/03/2025 disposing of 200 shares of the issuer's common stock under transaction code G. Following the reported transaction, Mr. Edwards beneficially owns 54,347 shares directly. The Form 4 was signed by an attorney-in-fact on behalf of the reporting person.

Positive

• Compliance: The Form 4 was filed and signed by an attorney-in-fact, indicating timely disclosure
• Continuing stake: Reporting person retains 54,347 shares after the reported transaction

Negative

• Disposition: Reporting person disposed of 200 shares on 09/03/2025 (transaction code G)

Insights

Securities Analyst

TL;DR: Small officer sale reported; ownership remains material at 54,347 shares.

The Form 4 discloses a small disposition of 200 shares by an executive officer using transaction code G, which typically indicates a gift or similar non-market transfer as defined by the filer. The remaining direct beneficial ownership of 54,347 shares represents the continuing economic stake of the reporting person. Given the modest size of the disposal relative to the total holdings, this filing appears routine and not materially informative for valuation changes.

Corporate Governance Expert

TL;DR: Routine insider reporting completed; signature executed by attorney-in-fact.

The filing meets Section 16 disclosure requirements by reporting the 09/03/2025 transaction and includes an attorney-in-fact signature. There is no indication of unusual timing, related-party transactions, or changes in officer status in the document. As filed, the disclosure is a routine compliance item rather than a governance flag.

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

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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)
09/03/2025

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	09/03/2025		G		200	D	$0	54,347	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:

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	09/03/2025
	** 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 Robert A. Edwards report?

He reported a disposition of 200 shares of United Community Banks common stock on 09/03/2025 (transaction code G).

How many UCBI shares does Robert A. Edwards own after the transaction?

The filing shows he beneficially owns 54,347 shares following the reported transaction.

What is transaction code G on the Form 4?

The Form lists transaction code G for the 200-share disposition; the filing does not provide further explanation of the code's circumstances.

Who signed the Form 4 for Robert A. Edwards?

The Form 4 was signed on 09/03/2025 by Melinda Davis Lux, Attorney in Fact.

What is Robert A. Edwards' role at United Community Banks (UCBI)?

The filing identifies him as an EVP, Chief Risk Officer and an officer of the issuer.