{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-050929","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2024-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.154281+00:00","generated_at":"2026-06-03T10:46:25.917115+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"United Community Q1 net income $62.6M, diluted EPS $0.51, down 2% YoY","bullets":["Net income Q1 2024 of $62.6M; GAAP diluted EPS $0.51 vs $0.52 YoY; operating EPS $0.52.","Net interest margin 3.20% (+1bp QoQ); core deposits grew 5% annualized; loans grew 1.2% annualized.","Pre-tax pre-provision income $93.7M; operating ROA 0.93%, return on tangible common equity 10.68%.","Net charge-offs $12.9M (0.28% of avg loans, up 6bp QoQ); NPAs 0.39% of total assets.","Quarterly dividend declared at $0.23 per share, flat YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-050929","json":"https://secwatch.observer/filing/0001104659-24-050929.json","markdown":"https://secwatch.observer/filing/0001104659-24-050929.md","text":"https://secwatch.observer/filing/0001104659-24-050929.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465924050929/0001104659-24-050929-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465924050929/tm2412454d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T10:46:25.917115+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":"461f46fe9a27796f5d3bfb1a070e55e9885e105e","claim":"UNITED COMMUNITY BANKS INC reported first fiscal quarter of 2024 results: net income net income for the first quarter was $62.6 million, EPS Diluted earnings per share of $0.51.","evidence_excerpt":"On April 24, 2024, United Community Banks, Inc. (“United”) issued a press release announcing financial results for its first fiscal quarter of 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/857855/000110465924050929/0001104659-24-050929-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first fiscal quarter of 2024"},{"label":"Net income","value":"net income for the first quarter was $62.6 million"},{"label":"EPS","value":"Diluted earnings per share of $0.51"},{"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"}