secwatch.observer — SEC 8-K summary
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Issuer:     UNITED COMMUNITY BANKS INC (UCB)
CIK:        0000857855
Form:       8-K
Filed at:   2025-07-23T23:59:59+00:00
Accession:  0001104659-25-069783
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/857855/000110465925069783/0001104659-25-069783-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/857855/000110465925069783/tm2521430d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-069783

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