[SCHEDULE 13G] United Community Banks Inc. SEC Filing

Rhea-AI Filing Summary

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.

Positive

• Institutional ownership disclosed: State Street reports a substantial position of 5,930,687 shares, reflecting institutional interest in UCBI.
• Transparent adviser structure: The filing identifies SSGA subsidiaries as investment advisers, clarifying that holdings are managed in a fiduciary capacity.

Negative

• Below 5% threshold: The stake is 4.9%, under the level that typically signals potential control influence or triggers larger disclosure obligations.
• No sole voting power: The filer reports 0 shares of sole voting or dispositive power, indicating limited direct control over corporate decisions.

Insights

Financial Analyst

TL;DR State Street holds a material but non-controlling institutional stake of 4.9% in UCBI.

The reported 5,930,687-share position (4.9%) is sizable for an institutional holder and may reflect client mandates or indexed exposure rather than an activist posture. The split showing shared voting power (817,784) versus full shared dispositive power suggests assets are managed for multiple accounts or funds. From a market-impact perspective, this is notable for liquidity and ownership composition but is not a control signal.

Corporate Governance Expert

TL;DR Ownership is disclosed as advisory/managed assets with limited governance leverage.

The schedule identifies State Street and several SSGA subsidiaries as investment advisers, indicating the position is held in a fiduciary capacity. The absence of sole voting/dispositive power and ownership below the 5% threshold means there is no triggering of heightened disclosure obligations or an implied change in control. This is a transparency event rather than a governance shift.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

UNITED COMMUNITY BANKS INC/GA

(Name of Issuer)

COMMON STOCK

(Title of Class of Securities)

90984P303

(CUSIP Number)

06/30/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 90984P303

1

Names of Reporting Persons

STATE STREET CORPORATION

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

MASSACHUSETTS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 817,784.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 5,930,687.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

5,930,687.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

4.9 %

12

Type of Reporting Person (See Instructions)

HC

SCHEDULE 13G

Item 1.
(a)	Name of issuer: UNITED COMMUNITY BANKS INC/GA
(b)	Address of issuer's principal executive offices: 125 HIGHWAY 515 EAST , BLAIRSVILLE, GEORGIA, 30512
Item 2.
(a)	Name of person filing: STATE STREET CORPORATION;
(b)	Address or principal business office or, if none, residence: ONE CONGRESS STREET, SUITE 1, BOSTON MA 02114, UNITED STATES
(c)	Citizenship: MA
(d)	Title of class of securities: COMMON STOCK
(e)	CUSIP No.: 90984P303
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 5930687.00
(b)	Percent of class: 4.9 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 0
	(ii) Shared power to vote or to direct the vote: 817,784
	(iii) Sole power to dispose or to direct the disposition of: 0
	(iv) Shared power to dispose or to direct the disposition of: 5,930,687
Item 5.	Ownership of 5 Percent or Less of a Class.
	Ownership of 5 percent or less of a class
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	If any other person is known to have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, such securities, a statement to that effect should be included in response to this item and, if such interest relates to more than 5 percent of the class, such person should be identified. A listing of the shareholders of an investment company registered under the Investment Company Act of 1940 or the beneficiaries of employee benefit plan, pension fund or endowment fund is not required. NOT APPLICABLE
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	If a parent holding company has filed this schedule, pursuant to Rule 13d-1(b)(ii)(G), so indicate under Item 3(g) and attach an exhibit stating the identity and the Item 3 classification of the relevant subsidiary. If a parent holding company has filed this schedule pursuant to Rule 13d-1(c) or Rule 13d-1(d), attach an exhibit stating the identification of the relevant subsidiary. SSGA FUNDS MANAGEMENT, INC. (IA);STATE STREET GLOBAL ADVISORS EUROPE LIMITED (IA);STATE STREET GLOBAL ADVISORS LIMITED (IA);STATE STREET GLOBAL ADVISORS TRUST COMPANY (IA);STATE STREET GLOBAL ADVISORS, AUSTRALIA, LIMITED (IA);STATE STREET GLOBAL ADVISORS, LTD. (IA);
Item 8.	Identification and Classification of Members of the Group.
	If a group has filed this schedule pursuant to §240.13d-1(b)(1)(ii)(K), so indicate under Item 3(k) and attach an exhibit stating the identity and Item 3 classification of each member of the group. If a group has filed this schedule pursuant to §240.13d-1(c) or §240.13d-1(d), attach an exhibit stating the identity of each member of the group. NOT APPLICABLE
Item 9.	Notice of Dissolution of Group.
	Notice of dissolution of a group may be furnished as an exhibit stating the date of the dissolution and that all further filings with respect to transactions in the security reported on will be filed, if required, by members of the group, in their individual capacity. See Item 5. NOT APPLICABLE

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

STATE STREET CORPORATION

Signature:	ELIZABETH SCHAEFER
Name/Title:	SENIOR VICE PRESIDENT, CHIEF ACCOUNTING OFFICER
Date:	08/08/2025

FAQ

How many United Community Banks (UCBI) shares does State Street report owning?

State Street reports beneficial ownership of 5,930,687 shares of UCBI.

What percentage of UCBI does State Street's holding represent?

The reported position represents 4.9% of the outstanding common stock.

Does State Street have sole voting or dispositive power over these UCBI shares?

No; the filing shows 0 shares with sole voting or sole dispositive power, with 817,784 shares showing shared voting power.

Are the shares held directly by State Street or through subsidiaries?

The filing lists several State Street Global Advisors entities as relevant subsidiaries and classifies them as investment advisers, indicating the shares are held in management/advisory capacities.

Does this Schedule 13G filing indicate a change in control of UCBI?

No; the stake is under 5% and the filing states holdings are in the ordinary course of business, not for the purpose of changing or influencing control.