{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-100127","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2023-09-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.800790+00:00","generated_at":"2026-06-10T19:43:04.473956+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"UCBI expects ~$19M Q3 charge-off from syndicated credit to bankrupt oil distributor","bullets":["Participation of 8.7% in a $218.5M syndicated credit led by First Horizon Bank to a wholesale oil distributor.","Borrower filed Chapter 11 bankruptcy on March 20, 2023; converted to Chapter 7 liquidation on August 24, 2023.","Credit was placed on nonaccrual in Q1 2023; minimal recovery expected, resulting in ~$19.0M charge-off in Q3.","United Community Banks, Inc. (UCBI) expects the charge-off to increase third-quarter charge-offs materially."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-100127","json":"https://secwatch.observer/filing/0001104659-23-100127.json","markdown":"https://secwatch.observer/filing/0001104659-23-100127.md","text":"https://secwatch.observer/filing/0001104659-23-100127.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465923100127/0001104659-23-100127-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465923100127/tm2326009d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-10T19:43:04.473956+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"}