---
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"
generated_at: "2026-06-23T03:09:33.992395+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# United Community Banks Q3 net income $81.2M, EPS $0.74, loans up 9.4% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-22-109729
- JSON: https://secwatch.observer/filing/0001104659-22-109729.json
- Plain text: https://secwatch.observer/filing/0001104659-22-109729.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.