{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-004281","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2023-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.267708+00:00","generated_at":"2026-06-20T15:05:11.267668+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 Q4 GAAP EPS $0.74, operating $0.75; loan growth 12% annualized","bullets":["Net income $81.5M; diluted GAAP EPS $0.74 (up 35% YoY, flat QoQ); operating EPS $0.75.","Net interest margin expanded 19bp to 3.76%; loans grew 12% annualized; core deposits down 22% annualized.","Allowance for loan losses increased to 1.04% of loans; net charge-offs $6.6M (0.17% avg loans) vs 0.03% in Q3.","Completed acquisition of Progress Financial Corp on Jan 3, 2023 ($1.8B assets); quarterly dividend raised 10% to $0.22.","Efficiency ratio improved to 47.95% GAAP (47.35% operating); ROA 1.33% (1.35% operating)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-004281","json":"https://secwatch.observer/filing/0001104659-23-004281.json","markdown":"https://secwatch.observer/filing/0001104659-23-004281.md","text":"https://secwatch.observer/filing/0001104659-23-004281.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465923004281/0001104659-23-004281-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465923004281/tm233552d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T15:05:11.267668+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":[{"claim_id":"2720b4e8d711ac9f871d5bd924dbeb326b682607","claim":"UNITED COMMUNITY BANKS INC reported the fiscal year ended December 31, 2022 results: EPS $2.52.","evidence_excerpt":"2022 Financial Highlights: · Completed successful year with strong loan growth and historically high pre-credit profitability, and completed an acquisition in the high-growth Nashville, Tennessee MSA, which was a strategic priority · Full year EPS of $2.52, a decrease of 15% compared to 2021; full year operating EPS of $2.66, a decrease of 14% from 2021 · Return on assets of 1.13%, or 1.19% on an operating basis","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/857855/000110465923004281/0001104659-23-004281-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ended December 31, 2022"},{"label":"EPS","value":"$2.52"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"4fe82e811e11a8a77f804fa12a755bf912070504","claim":"UNITED COMMUNITY BANKS INC reported the fourth quarter of 2022 results: net income $81.5 million, EPS $0.74.","evidence_excerpt":"United Community Banks, Inc. (NASDAQ: UCBI) (United) today announced that net income for the 2022 fourth quarter was $81.5 million and pre-tax, pre-provision income was $125.9 million. Diluted earnings per share of $0.74 for the quarter represented an increase of $0.19 or 35%, from the fourth quarter a year ago, and was flat from the third quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/857855/000110465923004281/0001104659-23-004281-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2022"},{"label":"Net income","value":"$81.5 million"},{"label":"EPS","value":"$0.74"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}