secwatch.observer — SEC 8-K summary
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Issuer:     UNITED COMMUNITY BANKS INC (UCB)
CIK:        0000857855
Form:       8-K
Filed at:   2025-01-22T23:59:59+00:00
Accession:  0001104659-25-005067
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/857855/000110465925005067/0001104659-25-005067-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/857855/000110465925005067/tm254041d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-005067

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