secwatch.observer — SEC 8-K summary
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Issuer:     UNITED COMMUNITY BANKS INC (UCB)
CIK:        0000857855
Form:       8-K
Filed at:   2026-04-21T23:59:59+00:00
Accession:  0001104659-26-045714
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/857855/000110465926045714/0001104659-26-045714-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/857855/000110465926045714/tm2612164d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-045714

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