---
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"
generated_at: "2026-05-18T03:56:06.957718+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Community Banks Q2 EPS $0.66 operating, NIM expands 14 bps to 3.50%

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-069783
- JSON: https://secwatch.observer/filing/0001104659-25-069783.json
- Plain text: https://secwatch.observer/filing/0001104659-25-069783.txt

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