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{"created_at":"2026-04-22T03:03:32.063 {"created_at":"2026-04-22T03:03:32.063787+00:00","dedupe_key":"signal_enriched:discovery_sec_filing_delta:5d51343ff76cce38","evidence_event_ids":["evt_fddbc7da48af"],"signal_type":"discovery_sec_filing_delta","source":"discovery_sec_filings","value":{"aggregator_url":"https://www.sec.gov/Archives/edgar/data/857855/0001104659-26-045714.txt","as_of":"2026-04-22T03:03:32.063787+00:00","canonical_url":"https://www.sec.gov/Archives/edgar/data/857855/0001104659-26-045714.txt","company":"UNITED COMMUNITY BANKS INC","enrichment":{"aggregator_url":"https://www.sec.gov/Archives/edgar/data/857855/0001104659-26-045714.txt","article_chars":5000,"article_truncated":true,"blocked_reason":null,"candidate_id":"sc_d9a8ca0cba2e5974","canonical_host":"sec.gov","canonical_is_aggregator":false,"canonical_url":"https://www.sec.gov/Archives/edgar/data/857855/0001104659-26-045714.txt","content_type":"text/plain","enriched_at":"2026-04-22T03:16:46.862802+00:00","extraction_method":"trafilatura","fetched_description":"","fetched_title":"","final_url":"https://www.sec.gov/Archives/edgar/data/857855/0001104659-26-045714.txt","html_truncated":true,"paywall_likely":false,"publisher_domain":"sec.gov","publisher_resolution":"canonical_url","requested_url":"https://www.sec.gov/Archives/edgar/data/857855/0001104659-26-045714.txt","source_event_id":"evt_fddbc7da48af","source_quality":"high","status_code":200,"version":"signal_enrichment_v2"},"form_type":"8-K","fp":"1bf54151a47daa08","kind":"sec_filing","published_at":"20260421","publisher_domain":"sec.gov","signal_understanding":{"analysis_basis":"article","claim_confidence":0.74,"dates_mentioned":["2026-04-21","2026-04-22","2026-03-31","2025-12-31","2025-04-01"],"entities":[{"asset_class":"equity","name":"United Community Banks, Inc.","relevance":"high","symbol":"UCB","type":"issuer"},{"asset_class":"other","name":"Lynn Harton","relevance":"medium","symbol":"","type":"person"},{"asset_class":"other","name":"Jefferson Harralson","relevance":"medium","symbol":"","type":"person"},{"asset_class":"other","name":"JD Power","relevance":"low","symbol":"","type":"organization"}],"event_type":"earnings","information_gaps":["What specifically changed versus the prior known state is not provided in the signal; only the current 8-K earnings release content is shown.","The Form 8-K item(s) and any other material items beyond Exhibit 99.1 are not identified in the provided text.","The filing_date field in the deterministic context is 2026-04-22T03:03:32.063787+00:00, while the release text references April 21, 2026; the exact earliest event date and SEC filing timestamp details are not fully reconciled from the excerpt.","The excerpt ends mid-sentence near the end (\u201cUn\u201d), so any remaining disclosed metrics or statements after that point are not captured."],"key_facts":["Form 8-K filed for United Community Banks, Inc. (NYSE: UCB) with an exhibit labeled Exhibit 99.1 for an immediate release dated April 21, 2026.","Net income for the first quarter of 2026 was $84.3 million.","Pre-tax, pre-provision income for the first quarter of 2026 was $119.2 million.","Diluted earnings per share (EPS) for the quarter was $0.69, up $0.11 from the first quarter of 2025 and down $0.01 from the fourth quarter of 2025.","Operating diluted EPS was $0.70, up 19% from the year-ago quarter.","Return on assets was 1.22% on both GAAP and operating basis in the first quarter of 2026; compared with 1.02% (GAAP) and 1.04% (operating) for the first quarter of 2025.","Return on common equity was 9.4%; return on tangible common equity on an operating basis was 13.1%.","Tangible common equity to tangible assets was 9.9% at quarter-end, equal to the fourth quarter.","The company repurchased 1.09 million shares at an average price of $33.97 per share during the quarter.","The company notified holders of remaining $100 million subordinated debentures of its intent to redeem those securities in the second quarter.","Net charge-offs were $10.4 million (0.22% annualized of average loans) versus 0.21% for the first quarter of 2025 and 0.34% for the fourth quarter of 2025.","Nonperforming assets were 0.35% of total assets, up slightly from 0.33% for the fourth quarter.","Provision for credit losses was $10.9 million for the first quarter, down from $15.4 million a year ago and $13.7 million for the fourth quarter.","Allowance for credit losses was 1.15% of loans as of March 31, down slightly from 1.16% at December 31, 2025.","The company states net interest margin widened by three basis points in the first quarter and is up 29 basis points versus the first quarter of 2025."],"numeric_claims":[{"label":"first quarter 2026 net income ($m)","value":"84.3"},{"label":"first quarter 2026 pre-tax, pre-provision income ($m)","value":"119.2"},{"label":"diluted EPS ($)","value":"0.69"},{"label":"operating diluted EPS ($)","value":"0.70"},{"label":"return on assets (GAAP, %)","value":"1.22"},{"label":"return on assets (operating, %)","value":"1.22"},{"label":"return on common equity (%)","value":"9.4"},{"label":"return on tangible common equity (operating, %)","value":"13.1"},{"label":"tangible common equity to tangible assets (%)","value":"9.9"},{"label":"shares repurchased (million)","value":"1.09"},{"label":"average repurchase price ($/share)","value":"33.97"},{"label":"subordinated debentures remaining to redeem ($m)","value":"100"},{"label":"net charge-offs ($m)","value":"10.4"},{"label":"net charge-offs (% annualized of avg loans)","value":"0.22"},{"label":"nonperforming assets (% of total assets)","value":"0.35"},{"label":"provision for credit losses ($m)","value":"10.9"},{"label":"allowance for credit losses (% of loans)","value":"1.15"}],"primary_claim":"UCB reported first quarter 2026 net income of $84.3 million and pre-tax, pre-provision income of $119.2 million in its Form 8-K filed April 21, 2026.","relevance_score":0.78,"sentiment":"positive","source_quality":"high","summary":"United Community Banks, Inc. (NYSE: UCB) filed a Form 8-K on April 21, 2026 to report first quarter 2026 earnings, including net income of $84.3 million and year-over-year EPS growth. The filing also states the company repurchased 1.09 million shares and notified holders of $100 million subordinated debentures of its intent to redeem them in the second quarter.","topics":["first quarter 2026 earnings","net income","EPS","net interest margin","share repurchase","subordinated debenture redemption intent","credit quality metrics","return on assets","return on equity","customer satisfaction award"]},"source":"sec_edgar","source_domain":"sec.gov","summary":"Form 8-K \u00b7 UNITED COMMUNITY BANKS INC \u00b7 Filed 20260421","ticker":"UCB","tickers":["UCB"],"title":"UCB filed 8-K","url":"https://www.sec.gov/Archives/edgar/data/857855/0001104659-26-045714.txt"}}... |