---
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"
generated_at: "2026-05-27T21:38:29.481556+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# United Community Banks Q4 2024 net income $75.8M, diluted EPS $0.61; operating EPS $0.63

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-005067
- JSON: https://secwatch.observer/filing/0001104659-25-005067.json
- Plain text: https://secwatch.observer/filing/0001104659-25-005067.txt

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