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

Rhea-AI Filing Summary

Alan H. Kumler, SVP and Chief Accounting Officer of United Community Banks, Inc. (UCBI), reported a disposition of 572 shares of the issuer's common stock on 08/15/2025 at a price of $31.21 per share. The filing states the shares were withheld to satisfy tax withholding obligations upon vesting of time-based stock units. After the transaction, Mr. Kumler beneficially owned 31,124 shares of common stock, held directly. The Form 4 was signed by an attorney-in-fact on 08/19/2025.

Positive

• Transaction disclosed as tax-withholding, indicating the sale was compliance-driven rather than a discretionary open-market sale
• Reporting person retains 31,124 shares of common stock following the transaction, showing continued ownership

Negative

• Disposition of 572 shares reduced direct holdings, although the filing states this was to satisfy taxes

Insights

Financial Analyst

TL;DR: Routine tax-withholding sale; ownership still meaningful but transaction size is small relative to typical insider trades.

The Form 4 discloses a disposition of 572 shares at $31.21, explicitly to satisfy tax withholding tied to vested time-based stock units. This is a non-economic, compliance-driven sale rather than a voluntary open-market divestiture. Post-transaction direct ownership of 31,124 shares indicates continued alignment with shareholder interests. There is no indication of additional sales, purchases, or derivative exercises in this filing.

Corporate Governance Expert

TL;DR: Disclosure is timely and follows standard practice for tax withholding on equity compensation; no governance red flags.

The Form 4 notes the transaction code consistent with tax withholding on vested equity and includes an explanatory remark. The filing identifies the reporting person as an officer and provides the reporting address. The signature by attorney-in-fact is present and dated. Based on the information provided, the filing reflects routine compliance with Section 16 reporting requirements and does not raise material 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^*

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)
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		572(1)	D	$31.21	31,124	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 did Alan H. Kumler (UCBI) report on this Form 4?

He reported a disposition of 572 shares of United Community Banks common stock on 08/15/2025 at $31.21 per share.

Why were the 572 shares disposed of according to the filing?

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

How many UCBI shares does the reporting person own after the transaction?

After the reported transaction, the reporting person beneficially owned 31,124 shares held directly.

When was the Form 4 signed and by whom?

The Form 4 was signed by Melinda Davis Lux, Attorney in Fact on 08/19/2025.

What was the transaction price per share?

The reported price per share for the disposition was $31.21.