UNITED STATES

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): July ~~May 14~~23, 2025

UNITED COMMUNITY BANKS, INC.

(Exact name of registrant as specified in its charter)

Georgia	001-35095	58-1807304
(State or other jurisdiction of incorporation)	(Commission file number)	(IRS Employer Identification No.)

200 East Camperdown Way Greenville, South Carolina 29601 (Address of principal executive offices)

~~Greenville~~Registrant’s telephone number, including ~~South~~area ~~Carolina~~code: ~~29601~~(800) 822-2651

Not applicable (~~Address~~Former ofname ~~principal~~or ~~executive~~former ~~offices~~address, if changed since last report)

Registrant’s telephone number, including area code:

(800) 822-2651

Not applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

			☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
			☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
			☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
			☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

	¨	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

	¨	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

	¨	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

	¨	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class	Trading Symbol(s)	Name of Each Exchange on Which Registered
Common stock, par value $1 per share	UCB	New York Stock Exchange
Depositary shares, each representing 1/1,000th interest in a share of Series I Non-Cumulative Preferred Stock	UCB PRI	New York Stock Exchange

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Title of Each Class	Trading Symbol(s)	Name of Each Exchange on Which Registered
Common stock, par value $1 per share	UCB	New York Stock Exchange
Depositary shares, each representing 1/1000th interest in a share of Series I Non-Cumulative Preferred Stock	UCB PRI	New York Stock Exchange

~~Emerging~~Indicate by check mark whether the registrant is an emerging growth company ☐as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

~~If an emerging~~ Emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐¨

~~Item~~If ~~5.07 Submission~~an emerging ofgrowth ~~Matters~~company, indicate by check mark if the registrant has elected not to ause ~~Vote~~the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of ~~Security~~the ~~Holders~~Exchange Act. ¨

The 2025 annual meeting of shareholders of United Community Banks, Inc., a Georgia corporation (the “Company”), was held on May 14, 2025 (the “Annual Meeting”). As of March 17, 2025, the record date of the Annual Meeting, 119,504,229 shares of the Company’s common stock were outstanding and entitled to vote at the Annual Meeting. A total of 107,354,211 shares of United Community’s common stock, constituting a quorum, were represented in person or by proxy at the Annual Meeting.

Item 2.02	Results of Operations and Financial Condition.
	On July 23, 2025, United Community Banks, Inc. (“United”) issued a press release announcing financial results for its second fiscal quarter of 2025. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K. The information furnished pursuant to this Item 2.02, including Exhibit 99.1, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under Section 18 of the Exchange Act and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.

Item 7.01	Regulation FD Disclosure.
	On July 23, 2025, United will hold an earnings conference call and webcast at 9:00 a.m. (Eastern Time) to discuss financial results for its second fiscal quarter of 2025. The press release referenced above in Item 2.02 contains information about how to access the conference call and webcast. A copy of the slide presentation to be used during the earnings call and webcast is furnished as Exhibit 99.2 to this Current Report on Form 8-K. The slide presentation also will be available on our website, www.ucbi.com, under the “Investor Relations – Events and Presentations” section. The information furnished pursuant to this Item 7.01, including Exhibit 99.2, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities under Section 18 of the Exchange Act and shall not be deemed to be incorporated by reference into any filing of the Company under the Securities Act of 1933 or the Exchange Act.

Item 9.01	Financial Statements and Exhibits.

(d) Exhibits

The Company’s shareholders voted on four proposals at the Annual Meeting. The final results of the votes, including the votes cast for, against or withheld, as well as the number of abstentions and broker non-votes, relating to each matter are as follows:EXHIBIT INDEX

Proposal 1. Each director nominee was elected to serve until the 2026 annual meeting of shareholders and until their successors are elected and qualified by the following tabulation:

Exhibit No.		Description

99.1		United Community Banks, Inc. Press Release, dated July 23, 2025.

99.2		Slide presentation to be used during July 23, 2025 earnings call.

104		The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.

	For	Withheld
Jennifer M. Bazante	95,593,905	2,212,423
George B. Bell	96,801,356	1,004,972
James P. Clements	95,611,536	2,194,792
Kenneth L. Daniels	96,687,563	1,118,765
Sally Pope Davis	97,163,424	642,904
Lance F. Drummond	94,978,443	2,827,885
H. Lynn Harton	94,246,222	3,560,106
John M. James	96,620,827	1,185,501
Jennifer K. Mann	96,419,817	1,386,511
Thomas A. Richlovsky	94,087,137	3,719,191
Tim R. Wallis	94,709,613	3,096,715
David H. Wilkins	89,315,888	8,490,440

There were 9,547,883 broker non-votes for each director on this proposal.

Proposal 2. The non-binding, advisory vote on the compensation of the Company’s Named Executive Officers was approved by the following tabulation:

For						Against						Abstain						Broker Non-Votes
94,761,518						2,948,677						96,133						9,547,883

Proposal 3. The non-binding, advisory vote on the frequency with which the Company should hold future non-binding, advisory votes on the compensation of the Company’s Named Executive Officers received the following votes:

One Year						Two Years						Three Years						Abstain						Broker Non-Votes
91,540,522						64,553						6,116,865						84,388						9,547,883

Considering the vote of the Company’s shareholders to include a shareholder vote on the compensation of the Company’s Named Executive Officers in the Company’s proxy materials every 1 year, the Company intends to continue to submit such an advisory vote to shareholders every year.

Proposal 4. The ratification of the appointment of PricewaterhouseCoopers LLP as the independent registered public accounting firm for the Company for the year ending December 31, 2025 was approved by the following tabulation:

For						Against						Abstain
105,954,710						1,389,231						10,270

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, ~~as amended,~~ the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	UNITED COMMUNITY BANKS, INC.		~~UNITED COMMUNITY BANKS, INC.~~
	By:	/s/ Jefferson L. Harralson	~~By:~~	~~/s/ Melinda Davis Lux~~
			Name:	Melinda Davis Lux
		Jefferson L. Harralson
			Title:	Executive Vice President, General Counsel, and Corporate Secretary
		Executive Vice President and
Date: May 15, 2025
		Chief Financial Officer
Date: July 23, 2025

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