{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-25-101399","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.375690+00:00","generated_at":"2026-05-17T02:54:33.541669+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 Q3 net income $91.5M, EPS $0.70 GAAP, $0.75 operating; revenue up 27% YoY","bullets":["Net income $91.5M, diluted EPS $0.70 GAAP, operating EPS $0.75, up 32% YoY.","Total revenue $276.8M, up 6% linked quarter; net interest margin 3.58%, +8bps QoQ.","Loans grew $254M (5.4% annualized); customer deposits ex-public funds up $137M.","Net charge-offs $7.7M (0.16% annualized); provision for credit losses $7.9M, down $3.9M QoQ.","Preferred stock redeemed $88.3M; quarterly common dividend raised to $0.25 (+4% YoY)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-25-101399","json":"https://secwatch.observer/filing/0001104659-25-101399.json","markdown":"https://secwatch.observer/filing/0001104659-25-101399.md","text":"https://secwatch.observer/filing/0001104659-25-101399.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465925101399/0001104659-25-101399-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465925101399/tm2529198d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:54:33.541669+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"}