{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-003548","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2026-01-14T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.834575+00:00","generated_at":"2026-05-16T10:31:45.870132+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"United Community Q4 2025 net income $86.5M, EPS $0.70; NIM expands to 3.62%","bullets":["Net income $86.5M vs $75.8M a year ago; diluted EPS $0.70 (+$0.09 YoY); operating EPS $0.71.","Net interest margin 3.62%, up 36 bps YoY and 4 bps QoQ; total revenue $278.4M (+11% YoY).","Loan growth of $209M (4.4% annualized) from Q3; customer deposits down $242M.","Repurchased 1.0 million shares at avg $29.84; declared $0.25 quarterly dividend (+4% YoY).","Full-year 2025 net income $328M vs $252M in 2024; operating EPS $2.71 (+18%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-003548","json":"https://secwatch.observer/filing/0001104659-26-003548.json","markdown":"https://secwatch.observer/filing/0001104659-26-003548.md","text":"https://secwatch.observer/filing/0001104659-26-003548.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465926003548/0001104659-26-003548-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465926003548/tm263094d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T10:31:45.870132+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"}