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.
United Community Banks, Inc. filings document a financial holding company whose registered securities include common stock and depositary shares representing interests in Series I Non-Cumulative Preferred Stock, listed on the New York Stock Exchange under UCB and UCB PRI. Regulatory disclosures cover the company’s operating and financial results, material agreements, shareholder voting matters and capital-structure actions affecting common and preferred equity.
Form 8-K and related filings record material events for the bank holding company, including other-event reports, security-registration details, exchange listing information and preferred-stock or depositary-share matters. The filings also provide formal disclosure around governance and shareholder matters relevant to United Community’s banking, wealth management, mortgage, SBA lending and equipment-financing operations.
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.