{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-005067","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.526673+00:00","generated_at":"2026-05-27T21:38:29.481556+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"United Community Banks Q4 2024 net income $75.8M, diluted EPS $0.61; operating EPS $0.63","bullets":["Net income $75.8M ($0.61 diluted EPS GAAP); operating EPS $0.63 up 19% YoY and 11% linked quarter.","Loan growth $212M (5% annualized); customer deposits up $213M; net interest margin 3.26% down 7 bps from Q3.","Credit quality improved: net charge-offs $9.5M (0.21% of avg loans) lowest in two years; provision $11.4M.","Quarterly dividend raised 4% to $0.24 per share; redeemed $60M subordinated debentures.","Agreed to acquire American National Bank (FL) in December; preliminary CET1 ratio 13.2%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-005067","json":"https://secwatch.observer/filing/0001104659-25-005067.json","markdown":"https://secwatch.observer/filing/0001104659-25-005067.md","text":"https://secwatch.observer/filing/0001104659-25-005067.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465925005067/0001104659-25-005067-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465925005067/tm254041d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T21:38:29.481556+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"}