{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-037143","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.484177+00:00","generated_at":"2026-05-23T09:49:15.289353+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"United Community Q1 EPS $0.58 GAAP, $0.59 operating; NIM expands 10 bps to 3.36%","bullets":["Net income $71.4M ($0.58 diluted); operating EPS $0.59, up 13% YoY.","Net interest margin 3.36%, up 10 bps QoQ; net interest revenue $212M, up 6% YoY.","Loans grew $249M (5.6% annualized); customer deposits up $309M (5.4% annualized).","Credit quality stable: net charge-offs 0.21% of avg loans, NPAs improved to 0.33% of assets.","Quarterly dividend raised 4% YoY to $0.24/share; planned acquisition of American National Bank closing May 1."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-037143","json":"https://secwatch.observer/filing/0001104659-25-037143.json","markdown":"https://secwatch.observer/filing/0001104659-25-037143.md","text":"https://secwatch.observer/filing/0001104659-25-037143.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465925037143/0001104659-25-037143-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465925037143/tm2512788d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:49:15.289353+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"}