{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-082049","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2023-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.800541+00:00","generated_at":"2026-06-13T07:23:49.781053+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Community Banks Q2 net income $63.3M, EPS $0.53; NIM down 24 bps to 3.37%","bullets":["Diluted EPS $0.53 GAAP, $0.55 operating; net income $63.3M vs $66.8M year ago.","Net interest margin fell 24 bps to 3.37% from Q1 due to 54 bps rise in deposit costs.","Annualized loan growth 6.3%; deposit growth 4.5%; net charge-offs 0.20%.","Completed Progress operational conversion and First Miami Bancorp merger on July 1.","Quarterly dividend raised 10% to $0.23 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-082049","json":"https://secwatch.observer/filing/0001104659-23-082049.json","markdown":"https://secwatch.observer/filing/0001104659-23-082049.md","text":"https://secwatch.observer/filing/0001104659-23-082049.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465923082049/0001104659-23-082049-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465923082049/tm2321485d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T07:23:49.781053+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"}