{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-22-109729","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2022-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.765711+00:00","generated_at":"2026-06-23T03:09:33.992395+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"United Community Banks Q3 net income $81.2M, EPS $0.74, loans up 9.4% annualized","bullets":["Diluted EPS $0.74, up 21% QoQ, down 10% YoY; operating EPS $0.75.","Net interest margin expanded 38 bps to 3.57%; efficiency ratio improved to 48.4% GAAP (47.7% operating).","Total loans grew $341M (9.4% annualized); deposits fell $552M, mainly seasonal public deposit decline.","Provision for credit losses $15.4M (vs -$11.0M release in Q3 2021); allowance for loan losses 1.12% of loans.","Quarterly common dividend declared at $0.22/share, up 10% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-22-109729","json":"https://secwatch.observer/filing/0001104659-22-109729.json","markdown":"https://secwatch.observer/filing/0001104659-22-109729.md","text":"https://secwatch.observer/filing/0001104659-22-109729.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465922109729/0001104659-22-109729-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465922109729/tm2228398d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T03:09:33.992395+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}