{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-096053","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2024-09-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.057747+00:00","generated_at":"2026-05-31T06:43:29.090022+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"United Community Banks sells $318.2M manufactured housing loan portfolio to 21st Mortgage","bullets":["Portfolio sold on August 30, 2024 to 21st Mortgage Corporation, a Clayton Homes division.","Sale accelerates exit from runoff portfolio; originations had ceased in Q3 2023.","Estimated $0.18 per share impact to Q3 results, including $11.5M reserve release.","CEO cites removal of management distraction and reduced risk profile; portfolio was 11% of YTD charge-offs and 18% of NPAs.","Transaction slightly accretive to regulatory capital ratios; no ongoing earnings effect expected."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-096053","json":"https://secwatch.observer/filing/0001104659-24-096053.json","markdown":"https://secwatch.observer/filing/0001104659-24-096053.md","text":"https://secwatch.observer/filing/0001104659-24-096053.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465924096053/0001104659-24-096053-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465924096053/tm2423187d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T06:43:29.090022+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}