Jefferson L. Harralson - Sep 15, 2025 Form 4 Insider Report for UNITED COMMUNITY BANKS INC (UCB)

Role: EVP, CFO
Signature: /s/ Melinda Davis Lux, Attorney in Fact
Stock symbol: UCB
Transactions as of: Sep 15, 2025
Transactions value $: -$25,000
Form type: 4
Date filed: 9/17/2025, 04:03 PM
Previous filing: Aug 19, 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
HARRALSON JEFFERSON L	EVP, CFO	C/O UNITED COMMUNITY BANKS, INC., 200 EAST CAMPERDOWN WAY, GREENVILLE	/s/ Melinda Davis Lux, Attorney in Fact	2025-09-17	0001704315

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	UCB	Depositary Shares	Other	-$25K	-1K	-100%	$25.00	0	Sep 15, 2025	Direct	F1, F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Each depositary share represents a 1/1,000th interest in a share of the Issuer's perpetual 6.875% Non-Cumulative Preferred Stock, Series I, $1.00 par value per share with a liquidation preference of $25,000 per share (equivalent to $25.00 liquidation preference per depositary share) (the "Series I Preferred Stock"). Each depositary share entitles the holder to a proportional fractional interest in all rights and preferences of the Series I Preferred Stock (including dividend, voting, redemption and liquidation rights). The depositary shares were purchased in an underwritten public offering.
F2	These shares were redeemed by the issuer on September 15, 2025, in connection with the issuer's redemption of all outstanding shares of 6.875% Series I Non-Cumulative Perpetual Preferred Stock ("Preferred Stock"). The redemption resulted in a cash payment of $25,000 per share of Preferred Stock. The depository for the Preferred Stock was simultaneously redeemed, each representing a 1/1000th interest in a share of the Preferred Stock.

Content

Each depositary share represents a 1/1,000th interest in a share of the Issuer's perpetual 6.875% Non-Cumulative Preferred Stock, Series I, $1.00 par value per share with a liquidation preference of $25,000 per share (equivalent to $25.00 liquidation preference per depositary share) (the "Series I Preferred Stock"). Each depositary share entitles the holder to a proportional fractional interest in all rights and preferences of the Series I Preferred Stock (including dividend, voting, redemption and liquidation rights). The depositary shares were purchased in an underwritten public offering.

These shares were redeemed by the issuer on September 15, 2025, in connection with the issuer's redemption of all outstanding shares of 6.875% Series I Non-Cumulative Perpetual Preferred Stock ("Preferred Stock"). The redemption resulted in a cash payment of $25,000 per share of Preferred Stock. The depository for the Preferred Stock was simultaneously redeemed, each representing a 1/1000th interest in a share of the Preferred Stock.