{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-069783","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.503921+00:00","generated_at":"2026-05-18T03:56:06.957718+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Community Banks Q2 EPS $0.66 operating, NIM expands 14 bps to 3.50%","bullets":["GAAP EPS $0.63, operating EPS $0.66; up 14% YoY on operating basis.","Net interest margin 3.50%, up 14 bps from Q1; net interest income up $13.5M linked quarter.","Completed acquisition of American National Bank on May 1; loan growth $194M ex-ANB (4.2% annualized).","NCO ratio 0.18% (down 3 bps), NPAs 0.30% of assets (down from 0.33% Q1).","Quarterly dividend $0.24, up 4% YoY; tangible book value $21.00 (+$0.42 from Q1)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-069783","json":"https://secwatch.observer/filing/0001104659-25-069783.json","markdown":"https://secwatch.observer/filing/0001104659-25-069783.md","text":"https://secwatch.observer/filing/0001104659-25-069783.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465925069783/0001104659-25-069783-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465925069783/tm2521430d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:56:06.957718+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"}