{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-085229","form_type":"8-K","ticker":"UCB","cik":"0000857855","company_name":"UNITED COMMUNITY BANKS INC","filed_at":"2026-07-21T11:35:58+00:00","discovered_at":"2026-07-21T11:40:00.237065+00:00","generated_at":"2026-07-21T11:40:08.368173+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"United Community Banks Q2 2026 EPS $0.95 GAAP, $0.71 operating; loan growth 6.8% annualized","bullets":["GAAP EPS $0.95, operating EPS $0.71; net income $115.6M, up 47% YoY.","Total revenue $279.3M, up 7% YoY; net interest margin 3.68%, up 18 bps YoY (sixth consecutive quarter of expansion).","Loan growth $332M (6.8% annualized); customer deposits down $295M due to seasonal public fund outflows.","Quarterly dividend $0.25/share, up 4% YoY; preliminary CET1 ratio 13.5%.","Provision for credit losses negative $29.8M due to $38.5M release on Navitas loans reclassified to held-for-sale; sale expected Q3 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-085229","json":"https://secwatch.observer/filing/0001104659-26-085229.json","markdown":"https://secwatch.observer/filing/0001104659-26-085229.md","text":"https://secwatch.observer/filing/0001104659-26-085229.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/857855/000110465926085229/0001104659-26-085229-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/857855/000110465926085229/tm2620881d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-21T11:40:08.368173+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}