{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-110728","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.163132+00:00","generated_at":"2026-05-30T11:18:53.176197+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"United Community Q3 GAAP EPS $0.38; operating EPS $0.57 (+27% YoY)","bullets":["Net income $47.3M, GAAP EPS $0.38; operating EPS $0.57 after excluding $0.18 loss on manufactured housing loan sale.","Sold $318M manufactured housing loans; after-tax loss of $21.4M ($0.18 per share).","Recorded $9.9M provision for Hurricane Helene credit losses on $383M loans in NC counties.","Customer deposits up $262M (5% annualized); CET1 ratio improved to 13.1%.","Net interest margin 3.33%, down 4 bps QoQ; quarterly dividend increased 4% to $0.24/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-110728","json":"https://secwatch.observer/filing/0001104659-24-110728.json","markdown":"https://secwatch.observer/filing/0001104659-24-110728.md","text":"https://secwatch.observer/filing/0001104659-24-110728.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465924110728/0001104659-24-110728-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465924110728/tm2426662d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:18:53.176197+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"}