---
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"
generated_at: "2026-05-16T10:31:45.870132+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# United Community Q4 2025 net income $86.5M, EPS $0.70; NIM expands to 3.62%

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-003548
- JSON: https://secwatch.observer/filing/0001104659-26-003548.json
- Plain text: https://secwatch.observer/filing/0001104659-26-003548.txt

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