secwatch.observer — SEC 8-K summary
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Issuer:     UNITED COMMUNITY BANKS INC (UCB)
CIK:        0000857855
Form:       8-K
Filed at:   2026-01-14T23:59:59+00:00
Accession:  0001104659-26-003548
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/857855/000110465926003548/0001104659-26-003548-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/857855/000110465926003548/tm263094d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-003548

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