---
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"
generated_at: "2026-05-30T11:18:53.176197+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# United Community Q3 GAAP EPS $0.38; operating EPS $0.57 (+27% YoY)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-24-110728
- JSON: https://secwatch.observer/filing/0001104659-24-110728.json
- Plain text: https://secwatch.observer/filing/0001104659-24-110728.txt

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