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

Rhea-AI Filing Summary

Melinda Davis Lux, Executive Vice President, Chief Administrative Officer and General Counsel of United Community Banks, Inc. (UCBI), reported a transaction dated 08/15/2025 on a Form 4. The filing shows 187 shares of common stock were disposed of under code F at a reported price of $31.21 per share. The filing explains these shares were withheld to satisfy tax-withholding obligations upon vesting of time-based stock units. After the withholding, Ms. Lux beneficially owns 34,575 shares of UCBI common stock. The Form 4 is signed by the reporting person on 08/19/2025.

Insights

Financial Analyst

TL;DR: A routine tax-withholding share disposition by a senior officer; small in size relative to typical insider holdings.

The report documents a common, administrative sale: 187 shares withheld to meet tax obligations from vested time-based stock units at $31.21 each. This type of transaction is common when equity awards vest and does not indicate open-market selling for liquidity or signal a change in company strategy. The remaining beneficial ownership of 34,575 shares keeps the officer materially invested, and the transaction amount is modest, suggesting limited direct impact on valuation or investor perception.

Corporate Governance Expert

TL;DR: Transaction appears compliant and routine, reflecting standard tax withholding on equity vesting.

The Form 4 discloses a withholding disposition under code F tied to tax obligations, an accepted practice for settling withholding at vesting. The filing lists the reporter's executive roles and clearly states the nature of the disposition, complying with Section 16 reporting requirements. There is no indication of Rule 10b5-1 plan usage and no amendment history. From a governance perspective, this is a routine disclosure without signs of material insider-driven governance concerns.

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^*

DAVIS LUX MELINDA

(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, CAO & GC

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		187(1)	D	$31.21	34,575	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	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 Melinda Davis Lux report on Form 4 for UCBI?

The filing reports disposition of 187 shares on 08/15/2025, withheld to satisfy tax obligations from vested time-based stock units.

At what price were the UCBI shares reported disposed of?

The reported price for the withheld shares was $31.21 per share.

How many UCBI shares does Melinda Davis Lux beneficially own after the transaction?

After the withholding, the filing shows beneficial ownership of 34,575 shares of UCBI common stock.

What is the relationship of the reporting person to UCBI?

Melinda Davis Lux is an officer (EVP, Chief Administrative Officer & General Counsel) and is reported on the Form 4.

When was the Form 4 for this transaction signed?

The Form 4 bears the reporting person's signature dated 08/19/2025.