---
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"
generated_at: "2026-07-21T11:40:08.368173+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# United Community Banks Q2 2026 EPS $0.95 GAAP, $0.71 operating; loan growth 6.8% annualized

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-085229
- JSON: https://secwatch.observer/filing/0001104659-26-085229.json
- Plain text: https://secwatch.observer/filing/0001104659-26-085229.txt

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