{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-045714","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2026-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.825398+00:00","generated_at":"2026-05-15T05:14:24.159027+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Community Q1 EPS $0.70 op (+19% YoY); revenue $276.5M; NIM 3.65%; announces Peach State acquisition","bullets":["Net income $84.3M; diluted operating EPS $0.70, up 19% from Q1 2025.","Total revenue $276.5M (+12% YoY); net interest margin 3.65% (+29 bps YoY).","Loans grew $218M (4.5% annualized) from Q4; customer deposits up $237M.","Repurchased 1.09M shares at avg $33.97; plans to redeem $100M sub-debt in Q2.","Entered definitive merger agreement to acquire Peach State Bancshares (no deal terms in filing)."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-045714","json":"https://secwatch.observer/filing/0001104659-26-045714.json","markdown":"https://secwatch.observer/filing/0001104659-26-045714.md","text":"https://secwatch.observer/filing/0001104659-26-045714.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465926045714/0001104659-26-045714-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465926045714/tm2612164d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:14:24.159027+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":[{"claim_id":"ea06b32fc6f509d9d226b04d828045a5e4cf7c78","claim":"UNITED COMMUNITY BANKS INC reported first fiscal quarter of 2026 results: revenue $276.5 million, net income $84.3 million, EPS $0.69.","evidence_excerpt":"basis · Net income of $84.3 million and pre-tax, pre-provision income of $119.2 million, up $12.9 million and $12.6 million, respectively, from a year ago · Total revenue of $276.5 million improved $28.8 million, or 12%, from a year ago · Net interest margin of 3.65% increased by 29 basis points from a year ago and 3 basis points from the fourth quarter on a lower","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/857855/000110465926045714/0001104659-26-045714-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first fiscal quarter of 2026"},{"label":"Revenue","value":"$276.5 million"},{"label":"Net income","value":"$84.3 million"},{"label":"EPS","value":"$0.69"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}