---
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"
generated_at: "2026-05-17T02:54:33.541669+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Community Q3 net income $91.5M, EPS $0.70 GAAP, $0.75 operating; revenue up 27% YoY

## Summary
- 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).

## SEC filing metadata
- 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
- 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/857855/000110465925101399/0001104659-25-101399-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/857855/000110465925101399/tm2529198d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101399
- JSON: https://secwatch.observer/filing/0001104659-25-101399.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101399.txt

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