{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-006101","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2024-01-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.066922+00:00","generated_at":"2026-06-06T19:41:22.015638+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":"United Community Banks Q4 GAAP EPS $0.11, down 85% YoY; operating EPS $0.53 up 18% QoQ","bullets":["Q4 net income $14.1M, diluted EPS $0.11 vs $0.74 YoY; operating EPS $0.53 down 29% YoY but up 18% QoQ.","Bond portfolio restructuring pre-tax loss $51.7M and FDIC special assessment $9.995M; combined EPS impact -$0.38.","Net interest margin 3.19% (down 5 bps QoQ); loans grew 2.5% annualized, deposits 8% annualized; NCOs 0.22% (down 37 bps QoQ).","Full-year 2023 GAAP EPS $1.54 vs $2.52 (down 39%); operating EPS $2.11 vs $2.66 (down 21%).","Tangible common equity to tangible assets 8.36% (up 18 bps); quarterly dividend $0.23/share, up 5% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-006101","json":"https://secwatch.observer/filing/0001104659-24-006101.json","markdown":"https://secwatch.observer/filing/0001104659-24-006101.md","text":"https://secwatch.observer/filing/0001104659-24-006101.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465924006101/0001104659-24-006101-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465924006101/tm243866d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T19:41:22.015638+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":"036979bf1f5deaadd51563ef57c46c05286eebe6","claim":"UNITED COMMUNITY BANKS INC reported fourth fiscal quarter of 2023 results: net income $14.1 million, EPS $0.11.","evidence_excerpt":"On January 24, 2024, United Community Banks, Inc. (\"United\") issued a press release announcing financial results for its fourth fiscal quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/857855/000110465924006101/0001104659-24-006101-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth fiscal quarter of 2023"},{"label":"Net income","value":"$14.1 million"},{"label":"EPS","value":"$0.11"},{"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"}