secwatch.observer — SEC 8-K summary
======================================

Issuer:     UNITED COMMUNITY BANKS INC (UCB)
CIK:        0000857855
Form:       8-K
Filed at:   2026-07-21T11:35:58+00:00
Accession:  0001104659-26-085229
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/857855/000110465926085229/0001104659-26-085229-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/857855/000110465926085229/tm2620881d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-085229

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