Welcome to our dedicated page for United Community Banks SEC filings (Ticker: UCBI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to SEC filings for United Community Banks, Inc., historically associated with the ticker UCBI and now listed on the New York Stock Exchange under UCB for its common stock and UCB PRI for its preferred depositary shares. These regulatory documents offer detailed insight into the company’s financial condition, capital structure, and significant corporate actions.
Investors can review annual and quarterly reports (such as Forms 10-K and 10-Q) to see information on net interest revenue, noninterest income, loan and deposit balances, asset quality, capital ratios, and reconciliations of non-GAAP performance measures. These filings expand on the metrics highlighted in the company’s earnings releases, including return on assets, return on equity, net interest margin, efficiency ratio, and provisions for credit losses.
Current reports on Form 8-K document material events. For example, an 8-K filing describes United Community’s decision to redeem all outstanding shares of its 6.875% Series I Non-Cumulative Perpetual Preferred Stock and the associated depositary shares, including the redemption date, redemption price, aggregate liquidation preference, and the role of the Depository Trust Company in processing the redemption.
Filings also identify the company’s registered securities and listing venues, confirming that United Community’s common stock and depositary shares are listed on the New York Stock Exchange. Through this page, users can track changes in the company’s capital instruments, follow disclosures about dividends and redemptions, and review other governance and financial information.
Stock Titan enhances these SEC documents with AI-powered summaries that highlight key points and explain complex sections in plain language. Real-time updates from EDGAR, combined with simplified explanations of long-form filings, help readers quickly understand what each report means for United Community Banks, Inc. and its shareholders.
State Street Corporation reports beneficial ownership of 5,930,687 shares of United Community Banks Inc., representing 4.9% of the outstanding common stock. The filing shows no sole voting or dispositive power and records shared voting power of 817,784 and shared dispositive power for all 5,930,687 shares, indicating the position is managed jointly or on behalf of clients rather than controlled directly by the parent.
The filing names several State Street Global Advisors entities as relevant subsidiaries and classifies them as investment advisers, implying these holdings are held in a fiduciary or management capacity. Because the stake is below 5%, the disclosure signals institutional interest but does not, by itself, indicate a controlling influence.
What happened: United Community Banks reported higher profits this quarter and continued to grow its core banking business while completing a small bank acquisition.
Why it matters: The bank earned $78.7 million this quarter (up from $66.6 million a year earlier) and delivered higher net interest revenue, driven by lower interest expense and steady loan balances. Deposits and loans both grew, supporting the bank's lending franchise and capital base. United also acquired ANB on May 1, 2025, adding branches and customers in Florida and creating goodwill and a core deposit intangible.
What investors should watch: The company reported sizeable unrealized losses in its investment portfolios due to interest-rate movements, and the allowance for credit losses was adjusted for specific risks including hurricane-related exposure. Shareholders' equity and earnings per share increased year-over-year, showing near-term earnings strength but with market-value pressure in securities holdings.
EVP & Chief Banking Officer Richard Bradshaw filed a Form 4 disclosing a bona-fide gift (Code G) of 328 United Community Banks, Inc. (UCBI) common shares on 07/31/2025. The transfer occurred at $0.00 per share, lowering his directly held stake from 77,912 to 77,584 shares. No derivative transactions or 10b5-1 plan indications were included.
The disposition represents less than 0.5% of Bradshaw’s personal holdings and is immaterial relative to the company’s outstanding share count, suggesting negligible market impact. No changes to his executive role or other insider activity were reported.
Form 4 discloses that Richard Bradshaw, EVP & Chief Banking Officer of United Community Banks, Inc. (UCBI), executed three open-market sales of the company’s common stock on 07/28/2025 under a pre-arranged Rule 10b5-1 trading plan.
- Shares sold: 1,594 @ $30.94, 20 @ $30.97, 2 @ $30.95 → total 1,616 shares.
- Gross proceeds: ≈ $50,053.
- Remaining direct ownership: 78,395 shares after the last transaction.
The filing records the transactions as code “S” (sale) and indicates no derivative security activity. Bradshaw remains a senior officer and is still a substantial shareholder; the reported disposals represent ~2.0 % of his prior direct holdings and do not alter his insider status.
No other material events, option exercises, or changes in indirect ownership are reported in this filing.