{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-046780","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2023-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.449999+00:00","generated_at":"2026-06-17T01:03:58.227491+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Community Banks Q1 net income $62.3M, EPS $0.52; organic loan growth 8%, deposit growth 10%","bullets":["Net income $62.3M ($0.52 diluted GAAP EPS); operating EPS $0.58, up 16% YoY.","Net interest margin 3.61%, down 15 bps QoQ due to higher deposit costs; cost of deposits up 61 bps to 1.10%.","Organic loan growth 8% annualized, customer deposit growth 10% annualized (excluding acquired Progress balances).","Completed Progress acquisition with $1.8B assets on Jan 3, 2023; also announced partnership with First National Bank of South Miami.","Nonperforming assets 28 bps of total assets, up 10 bps QoQ; net charge-offs 0.17% of avg loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-046780","json":"https://secwatch.observer/filing/0001104659-23-046780.json","markdown":"https://secwatch.observer/filing/0001104659-23-046780.md","text":"https://secwatch.observer/filing/0001104659-23-046780.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465923046780/0001104659-23-046780-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465923046780/tm2313046d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-17T01:03:58.227491+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":"fca3bf93abe48cdb9b131d4f770430121f675f91","claim":"UNITED COMMUNITY BANKS INC reported the 2023 first quarter results: net income $62.3 million, EPS $0.52.","evidence_excerpt":"United Community Banks, Inc. (NASDAQ: UCBI) (United) today announced that net income for the 2023 first quarter was $62.3 million and pre-tax, pre-provision income was $101.9 million. Diluted earnings per share of $0.52 for the quarter represented an increase of $0.09 or 21%, from the first quarter a year ago and a decrease of $0.22 or 30% from the fourth quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/857855/000110465923046780/0001104659-23-046780-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the 2023 first quarter"},{"label":"Net income","value":"$62.3 million"},{"label":"EPS","value":"$0.52"},{"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"}