---
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"
generated_at: "2026-05-15T05:14:24.159027+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# United Community Q1 EPS $0.70 op (+19% YoY); revenue $276.5M; NIM 3.65%; announces Peach State acquisition

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-045714
- JSON: https://secwatch.observer/filing/0001104659-26-045714.json
- Plain text: https://secwatch.observer/filing/0001104659-26-045714.txt

## Key facts
- Earnings Releases
  UNITED COMMUNITY BANKS INC reported first fiscal quarter of 2026 results: revenue $276.5 million, net income $84.3 million, EPS $0.69.
  - Period: first fiscal quarter of 2026
  - Revenue: $276.5 million
  - Net income: $84.3 million
  - EPS: $0.69
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/857855/000110465926045714/0001104659-26-045714-index.htm

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