{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-23-109755","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2023-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.169344+00:00","generated_at":"2026-06-09T22:15:29.530070+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"UCBI Q3 net income $47.9M, EPS $0.39; net charge-offs surge 0.59% of loans","bullets":["GAAP diluted EPS $0.39, down 47% YoY and 26% QoQ; operating EPS $0.45, down 40% YoY.","Net charge-offs $26.6M (0.59% of avg loans) vs 0.20% in Q2; includes $19M syndicated credit charge-off.","Customer deposits grew 5.6% annualized; net interest margin 3.24%, down 13 bps from Q2.","Pre-tax pre-provision income $90.1M; return on tangible common equity 9.0% operating.","Quarterly dividend $0.23 per share, 5% increase YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-23-109755","json":"https://secwatch.observer/filing/0001104659-23-109755.json","markdown":"https://secwatch.observer/filing/0001104659-23-109755.md","text":"https://secwatch.observer/filing/0001104659-23-109755.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465923109755/0001104659-23-109755-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465923109755/tm2328576d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T22:15:29.530070+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":"0f17042239e75011c261cfff19e3997c3138c7f1","claim":"UNITED COMMUNITY BANKS INC reported third quarter of 2023 results: net income $47.9 million, EPS $0.39.","evidence_excerpt":"United Community Banks, Inc. (NASDAQ: UCBI) (“United”) today announced net income for the third quarter of $47.9 million and pre-tax, pre-provision income of $90.1 million. Diluted earnings per share of $0.39 for the quarter","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/857855/000110465923109755/0001104659-23-109755-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of 2023"},{"label":"Net income","value":"$47.9 million"},{"label":"EPS","value":"$0.39"},{"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"}