secwatch.observer — SEC 8-K summary
======================================

Issuer:     UNITED COMMUNITY BANKS INC (UCB)
CIK:        0000857855
Form:       8-K
Filed at:   2025-04-22T23:59:59+00:00
Accession:  0001104659-25-037143
Event type: earnings
Sentiment:  neutral
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/857855/000110465925037143/0001104659-25-037143-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/857855/000110465925037143/tm2512788d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-037143

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer