8-K current report · filed Sep 8, 2026

UNITED COMMUNITY BANKS INC (UCB) 8-K Current Report: September 8, 2026

Item 7.01Item EX-99.1UCB overview

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UNITED COMMUNITY BANKS INC (UCB) filed an 8-K current report with the SEC on September 8, 2026 reporting Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.2). United announced strategic initiatives, including a strategic balance sheet repositioning.

UNITED COMMUNITY BANKS INC 8-K event analysis

AI summary of each reported item and its exhibits

Item 7.01 · Regulation FD Disclosure

  • United announced strategic initiatives, including a strategic balance sheet repositioning
  • Management conference call scheduled September 8, 2026 at 9:00 a.m. ET
  • Presentation materials furnished as Exhibit 99.2, providing investors further repositioning details
  • Conference call transcript and replay expected through United’s investor-relations website

Item EX-99.1 · Exhibit EX-99.2

  • Navitas sale generated approximately $2.0B proceeds, while securities repositioning targets lower interest-rate risk and greater liquidity
  • Sold approximately $2.6B securities yielding 2.20%; redeploying into assets yielding approximately 4.5% with approximately 2-year duration
  • Estimated approximately $300M pretax repositioning loss, net of $64M Navitas gain; expected third-quarter 2026 net loss
  • Pro forma CET1 projected above 13% after Navitas sale, Peach State acquisition, and portfolio repositioning
  • Share repurchase authorization increased $100M through December 31, 2027; $87M repurchased during 2026 so far

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