---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-24-082136"
form_type: "8-K"
ticker: "UCB"
cik: "0000857855"
company_name: "UNITED COMMUNITY BANKS INC"
filed_at: "2024-07-24T23:59:59+00:00"
generated_at: "2026-05-31T17:42:16.222820+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Community Q2 net income $66.6M; operating EPS $0.58; NIM widens 17bps to 3.37%

## Summary
- Net income $66.6M, diluted EPS $0.54 GAAP (+2% YoY); operating EPS $0.58 (+5% YoY).
- Net interest margin expanded 17bps to 3.37%; net interest revenue $208.7M, up 4% YoY.
- Loans decreased $164M QoQ to $18.21B; customer deposits down $339M to $22.98B.
- Agreed to sell FinTrust Capital Advisors; expects Q3 close; recorded $5.1M goodwill impairment.
- Tangible book value $19.13, up from $18.71 Q1; dividend unchanged at $0.23/share.

## SEC filing metadata
- accession: 0001104659-24-082136
- form_type: 8-K
- ticker: UCB
- cik: 0000857855
- company_name: UNITED COMMUNITY BANKS INC
- filed_at: 2024-07-24T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/857855/000110465924082136/0001104659-24-082136-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/857855/000110465924082136/tm2420023d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-082136
- JSON: https://secwatch.observer/filing/0001104659-24-082136.json
- Plain text: https://secwatch.observer/filing/0001104659-24-082136.txt

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