---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-23-130175"
form_type: "8-K"
ticker: "UCB"
cik: "0000857855"
company_name: "UNITED COMMUNITY BANKS INC"
filed_at: "2023-12-29T23:59:59+00:00"
generated_at: "2026-06-07T06:11:36.667115+00:00"
event_type: "other_material"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Community Banks expects $62M pre-tax Q4 charge from FDIC assessment and bond sale loss

## Summary
- Pre-tax charge of ~$62M ($0.41 EPS) for Q4 2023, from FDIC special assessment ($10M) and securities loss ($52M).
- Sold $316M of available-for-sale bonds, incurring pre-tax loss of ~$52M ($0.34 EPS).
- FDIC special assessment estimated at $10M pre-tax ($0.07 EPS).
- Charge will impact Q4 2023 earnings; further details in upcoming earnings release.

## SEC filing metadata
- accession: 0001104659-23-130175
- form_type: 8-K
- ticker: UCB
- cik: 0000857855
- company_name: UNITED COMMUNITY BANKS INC
- filed_at: 2023-12-29T23:59:59+00:00
- event_type: other_material
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/857855/000110465923130175/0001104659-23-130175-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/857855/000110465923130175/tm2333907d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-130175
- JSON: https://secwatch.observer/filing/0001104659-23-130175.json
- Plain text: https://secwatch.observer/filing/0001104659-23-130175.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.