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

Rhea-AI Filing Summary

United Community Banks (UCBI) reporting person Alan H. Kumler, SVP and Chief Accounting Officer, was granted 2,001 time-based restricted stock units on 09/01/2025. The award is listed as a non‑derivative acquisition at no cash price and increases his beneficial ownership to 33,125 shares. The restricted stock units vest 25% on November 15, 2026, and then 25% on each of August 15, 2027, August 15, 2028, and August 15, 2029. The Form 4 was signed by an attorney‑in‑fact on 09/02/2025.

Positive

• Grant of 2,001 time‑based restricted stock units clearly disclosed
• Explicit vesting schedule: 25% on 11/15/2026 and 25% on each 8/15/2027, 8/15/2028, 8/15/2029
• Post‑transaction beneficial ownership disclosed: 33,125 shares

Negative

• None.

Insights

Financial Analyst

TL;DR: Routine time‑based equity grant to a senior accounting officer, modest in size and tied to multi‑year vesting.

The grant of 2,001 restricted stock units represents a standard compensation event rather than a market moving transaction. Vesting is spread over approximately three years after an initial partial vest date in late 2026, aligning executive retention with longer term performance horizons. The reported post‑transaction beneficial ownership of 33,125 shares provides context on insider alignment with shareholders but does not on its own indicate a material change to capital structure.

Corporate Governance Expert

TL;DR: Typical equity award consistent with retention and alignment practices; disclosure meets Section 16 reporting requirements.

The Form 4 discloses a time‑based restricted stock unit grant to the SVP, Chief Accounting Officer with explicit vesting dates and percentages. The clear vesting schedule and filing within a day are consistent with good disclosure practice. No additional arrangements or derivative instruments are reported. From a governance perspective this is routine compensation disclosure without indicated performance conditions in 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
Estimated average burden
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^*

KUMLER ALAN H

(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)
	SVP, Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
09/01/2025

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	09/01/2025		A		2,001(1)	A	$0	33,125	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. Represents grant of time-based restricted stock units, which vest 25% on November 15, 2026, August 15, 2027, August 15, 2028 and August 15, 2029.

Remarks:

	/s/ Melinda Davis Lux, Attorney in Fact	09/02/2025
	** 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 UCBI insider Alan H. Kumler receive on 09/01/2025?

He was granted 2,001 time‑based restricted stock units according to the Form 4.

How do the RSUs vest for UCBI insider grants reported on this Form 4?

Vesting is 25% on November 15, 2026, then 25% on August 15 of 2027, 2028, and 2029.

What is Alan Kumler's beneficial ownership after the reported transaction?

33,125 shares are reported as beneficially owned following the grant.

Was there any cash price paid for the RSUs in the Form 4?

No cash price is reported; the transaction is recorded with a price of $0.

When was the Form 4 signed and filed?

The signature by attorney‑in‑fact is dated 09/02/2025 as shown on the form.