---
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"
generated_at: "2026-05-23T09:49:15.289353+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# United Community Q1 EPS $0.58 GAAP, $0.59 operating; NIM expands 10 bps to 3.36%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-037143
- JSON: https://secwatch.observer/filing/0001104659-25-037143.json
- Plain text: https://secwatch.observer/filing/0001104659-25-037143.txt

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