secwatch.observer — SEC 8-K summary
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Issuer:     UNITED COMMUNITY BANKS INC (UCB)
CIK:        0000857855
Form:       8-K
Filed at:   2025-10-22T23:59:59+00:00
Accession:  0001104659-25-101399
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 Q3 net income $91.5M, EPS $0.70 GAAP, $0.75 operating; revenue up 27% YoY
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- 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).

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/857855/000110465925101399/0001104659-25-101399-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/857855/000110465925101399/tm2529198d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-25-101399

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