{"schema":"rootz.ai/filing-signals/v1","query":{"ticker":"UCB","limit":50},"count":50,"signals":[{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":13,"context":"ons  SEC regulations require the Talent and Compensation Committee to conduct an annual review of our compensation policies and practices to assess whether they could reasonably be expected to have a material adverse effect on the Company. The Talent and  [TABLE OF CONTENTS](#TOC2) |  |  Proposal 2 Advisory Vote to Approve Named Executive Officer Compensation |  |  |  2026 PROXY STATEMENT |  |  |  55 |  |  | Compensatio","filed_date":"2026-04-01","accession":"0001104659-26-038366","full_text":"https://origin.rootz.global/static/filing/0001104659-26-038366.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":64,"context":"|  Proposal to elect the 12 nominees listed in the accompanying Proxy Statement to our Board of Directors |  |  | |  2 |  |  |  Proposal to approve, on an advisory basis, the compensation paid to our Named Executive Officers |  |  | |  3 |  |  |  Proposal to ratify the appointment of PricewaterhouseCoopers LLP as our independent registered public accounting firm for the fiscal year ending December31, 2026 |  |  | |  Sha","filed_date":"2026-04-01","accession":"0001104659-26-038366","full_text":"https://origin.rootz.global/static/filing/0001104659-26-038366.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":82,"context":"t continue to be successful. Failures in any of these areas could significantly weaken our competitive position, which could adversely affect our growth and profitability which, in turn, could have a material adverse effect on our business, financial condition and results of operations. Failure to keep pace with technological changes could adversely affect our business. The financial services industry has undergone and","filed_date":"2026-02-17","accession":"0000857855-26-000008","full_text":"https://origin.rootz.global/static/filing/0000857855-26-000008.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":18,"context":"rations** SEC rulesrequire the Talent and Compensation Committee to annually review our compensation policies and practices to determine if such policies and practices are reasonably likely to have a material adverse impact on us. The Talent and Compensation Committee also considers whether our employee compensation arrangements encourage excessive or unnecessary risk-taking by our executive officers, senior management","filed_date":"2025-04-02","accession":"0001104659-25-030925","full_text":"https://origin.rootz.global/static/filing/0001104659-25-030925.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":26,"context":"ss: |  1. |  Proposal to elect the 12 nominees listed in the accompanying Proxy Statement to our Board of Directors | | |  2. | Proposal to approve, on an advisory basis, the compensation paid to our Named Executive Officers | | |  3. | Proposal to approve, on an advisory basis, the frequency of the advisory vote on executive compensation | | |  4. | Proposal to ratify the appointment of PricewaterhouseCoopers LLP as ou","filed_date":"2025-04-02","accession":"0001104659-25-030925","full_text":"https://origin.rootz.global/static/filing/0001104659-25-030925.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":76,"context":"t continue to be successful. Failures in any of these areas could significantly weaken our competitive position, which could adversely affect our growth and profitability which, in turn, could have a material adverse effect on our business, financial condition and results of operations. Failure to keep pace with technological changes could adversely affect our business. The financial services industry has undergone and","filed_date":"2025-02-27","accession":"0000857855-25-000057","full_text":"https://origin.rootz.global/static/filing/0000857855-25-000057.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":17,"context":"ations** SEC rules require the Talent and Compensation Committee to annually review our compensation policies and practices to determine if such policies and practices are reasonably likely to have a material adverse impact on us. The Committee also considers whether our employee compensation arrangements encourage excessive or unnecessary risk-taking by our NEOs, senior management and key employees and amends such arra","filed_date":"2024-04-02","accession":"0001104659-24-042444","full_text":"https://origin.rootz.global/static/filing/0001104659-24-042444.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":25,"context":"|  1. |  Proposal to elect the 12 nominees listed in the accompanying Proxy Statement to our Board of Directors | | |  |  2. |  Proposal to approve, on an advisory basis, the compensation paid to our Named Executive Officers | | |  |  3. |  Proposal to ratify the appointment of PricewaterhouseCoopers LLP as our independent registered public accounting firm for the fiscal year ending December 31, 2024 | | |  |  | | |  |","filed_date":"2024-04-02","accession":"0001104659-24-042444","full_text":"https://origin.rootz.global/static/filing/0001104659-24-042444.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":75,"context":"to be successful. Failure to perform in any of these areas could significantly weaken our competitive position, which could adversely affect our growth and profitability which, in turn, could have a material adverse effect on our business, financial condition and results of operations. We may also be affected by the marketplace loosening of credit underwriting standards and structures. | | | STRATEGIC AND MACRO RISKS |","filed_date":"2024-02-23","accession":"0000857855-24-000010","full_text":"https://origin.rootz.global/static/filing/0000857855-24-000010.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":18,"context":"ations** SEC rules require the Talent and Compensation Committee to annually review our compensation policies and practices to determine if such policies and practices are reasonably likely to have a material adverse impact on us. The Committee also considers whether our employee compensation arrangements encourage excessive or unnecessary risk-taking by our NEOs, senior management and key employees and amends such arra","filed_date":"2023-04-05","accession":"0001140361-23-016638","full_text":"https://origin.rootz.global/static/filing/0001140361-23-016638.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":23,"context":"of Business: |  1.Proposal to elect the eleven nominees listed in the accompanying Proxy Statement to our Board of Directors 2.Proposal to approve, on an advisory basis, the compensation paid to our Named Executive Officers 3.Proposal to ratify the appointment of PricewaterhouseCoopers LLP as our independent registered public accounting firm for the fiscal year ending December 31, 2023 4.Such other business as may prop","filed_date":"2023-04-05","accession":"0001140361-23-016638","full_text":"https://origin.rootz.global/static/filing/0001140361-23-016638.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":28,"context":"to be successful. Failure to perform in any of these areas could significantly weaken our competitive position, which could adversely affect our growth and profitability which, in turn, could have a material adverse effect on our business, financial condition and results of operations. We may also be affected by the marketplace loosening of credit underwriting standards and structures. | | | | | | STRATEGIC AND MACRO R","filed_date":"2023-02-24","accession":"0000857855-23-000005","full_text":"https://origin.rootz.global/static/filing/0000857855-23-000005.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":24,"context":"atement to our Board of Directors |  | |  |  2. |  To approve the United Community Banks, Inc. 2022 Omnibus Equity Plan |  | |  |  3. |  To approve, on an advisory basis, the compensation paid to our Named Executive Officers |  | |  |  4. |  To ratify the appointment of PricewaterhouseCoopers LLP as our independent registered public accounting firm for the fiscal year ending December 31, 2022 |  | |  |  5. |  To transac","filed_date":"2022-04-06","accession":"0001140361-22-013333","full_text":"https://origin.rootz.global/static/filing/0001140361-22-013333.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":23,"context":"to be successful. Failure to perform in any of these areas could significantly weaken our competitive position, which could adversely affect our growth and profitability which, in turn, could have a material adverse effect on our business, financial condition and results of operations. We may also be affected by the marketplace loosening of credit underwriting standards and structures. | | | | | | STRATEGIC AND MACRO R","filed_date":"2022-02-25","accession":"0000857855-22-000006","full_text":"https://origin.rootz.global/static/filing/0000857855-22-000006.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":20,"context":"number of shares of our voting common stock, par value $1.00, available for issuance from 150,000,000 to 200,000,000 |  | |  |  |  3. |  To approve, on an advisory basis, the compensation paid to our Named Executive Officers |  | |  |  |  4. |  To ratify the appointment of PricewaterhouseCoopers LLP as our independent registered public accountants for the fiscal year ending December 31, 2021 |  | |  |  |  5. |  To trans","filed_date":"2021-03-30","accession":"0001140361-21-010721","full_text":"https://origin.rootz.global/static/filing/0001140361-21-010721.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":33,"context":"n increase in non-performing loans could result in a net loss of earnings from these loans, an increase in the provision for loan losses and an increase in loan charge-offs, all of which could have a material adverse effect on our business, financial condition and results of operations. Deterioration in economic conditions, housing conditions and commodity and real estate values and an increase in unemployment in certai","filed_date":"2021-02-25","accession":"0000857855-21-000012","full_text":"https://origin.rootz.global/static/filing/0000857855-21-000012.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":36,"context":"Since the respective dates as of which information is given in the Registration Statement, the Pricing Disclosure Package and the Prospectus, except as otherwise stated therein, (A) there has been no material adverse effect, or any development that could be expected to result in a material adverse effect, (i) on the general affairs, condition (financial or otherwise), business, properties, prospects, management, financi","filed_date":"2020-06-08","accession":"0001104659-20-070873","full_text":"https://origin.rootz.global/static/filing/0001104659-20-070873.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":27,"context":"rposes: | | (1) | To elect the ten nominees listed in the accompanying Proxy Statement to the Companys Board of Directors; | | | | (2) | To approve, on an advisory basis, the compensation paid to our Named Executive Officers; | | | | (3) | To ratify the appointment of PricewaterhouseCoopers LLP as our independent registered public accountants for the fiscal year ended December 31, 2020; and | | | | (4) | To transact suc","filed_date":"2020-03-24","accession":"0001140361-20-006664","full_text":"https://origin.rootz.global/static/filing/0001140361-20-006664.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":29,"context":"n increase in non-performing loans could result in a net loss of earnings from these loans, an increase in the provision for loan losses and an increase in loan charge-offs, all of which could have a material adverse effect on our business, financial condition and results of operations. Deterioration in economic conditions, housing conditions and commodity and real estate values and an increase in unemployment in certai","filed_date":"2020-02-27","accession":"0000857855-20-000011","full_text":"https://origin.rootz.global/static/filing/0000857855-20-000011.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":22,"context":"he Board of Directors to serve until the next annual meeting and until their successors are elected and qualified;  |  |  | |  |  |  |  |  2. To approve, on an advisory basis, the compensation of our Named Executive Officers;  |  |  | |  |  |  |  |  3. To ratify the appointment of PricewaterhouseCoopers LLP as independent registered public accountant for 2019; and  |  |  | |  |  |  |  |  4. To consider and act upon othe","filed_date":"2019-03-29","accession":"0001144204-19-016853","full_text":"https://origin.rootz.global/static/filing/0001144204-19-016853.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":26,"context":"Related To Our Business As a financial services company, adverse conditions in the business or economic environment where we operate, as well as broader conditions in the United States, could have a material adverse effect on our financial condition and results of operations. Our success depends significantly upon local, national and global economic and political conditions, as well as governmental monetary policies an","filed_date":"2019-02-27","accession":"0000857855-19-000021","full_text":"https://origin.rootz.global/static/filing/0000857855-19-000021.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":28,"context":"o constitute the Board of Directors to serve until the next annual meeting and until their successors are elected and qualified; | | |  |  2. To approve, on an advisory basis, the compensation of our Named Executive Officers; | | |  |  3. To ratify the appointment of PricewaterhouseCoopers LLP as independent registered public accountant for 2018; and | | |  |  4. To consider and act upon other matters that may properly","filed_date":"2018-03-30","accession":"0001144204-18-018078","full_text":"https://origin.rootz.global/static/filing/0001144204-18-018078.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":22,"context":"listed below may arise or become material in the future and affect Uniteds business. **As a financial services company, adverse conditions in the general business or economic environment could have a material adverse effect on our financial condition and results of operations.** Adverse changes in business and economic conditions generally or specifically in the markets in which we operate could adversely impact our bus","filed_date":"2018-02-27","accession":"0001144204-18-011220","full_text":"https://origin.rootz.global/static/filing/0001144204-18-011220.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":13,"context":". interest with respect to any Discount Security which by its terms bears interest only after Maturity, means interest payable after Maturity. Maturity, when used with respect to any Security or installment of principal thereof, means the date on which the principal of such Security or such installment of principal becomes due and payable as therein or herein provided, whether at the Stated Maturity","filed_date":"2018-01-23","accession":"0001144204-18-003238","full_text":"https://origin.rootz.global/static/filing/0001144204-18-003238.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":27,"context":"mortgage | |  | 933,205 | | |  | 856,725 | | | |  Home equity lines of credit | |  | 688,875 | | |  | 655,410 | | | |  Residential construction | |  | 190,047 | | |  | 190,043 | | | |  Consumer installment | |  | 118,742 | | |  | 123,567 | | | |  Indirect auto | |  | 400,267 | | |  | 459,354 | | | |  | |  | | | |  | | | | |  Total loans | |  | 7,202,937 | | |  | 6,920,636 | | | |  | |  | | | |  | |","filed_date":"2017-11-06","accession":"0001144204-17-056316","full_text":"https://origin.rootz.global/static/filing/0001144204-17-056316.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":27,"context":"mortgage | |  | 880,418 | | |  | 856,725 | | | |  Home equity lines of credit | |  | 665,252 | | |  | 655,410 | | | |  Residential construction | |  | 193,117 | | |  | 190,043 | | | |  Consumer installment | |  | 113,324 | | |  | 123,567 | | | |  Indirect auto | |  | 449,009 | | |  | 459,354 | | | |  | |  | | | |  | | | | |  Total loans | |  | 7,040,932 | | |  | 6,920,636 | | | |  | |  | | | |  | |","filed_date":"2017-08-04","accession":"0001144204-17-040548","full_text":"https://origin.rootz.global/static/filing/0001144204-17-040548.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":24,"context":"mortgage | |  | 859,796 | | |  | 856,725 | | | |  Home equity lines of credit | |  | 659,041 | | |  | 655,410 | | | |  Residential construction | |  | 196,643 | | |  | 190,043 | | | |  Consumer installment | |  | 112,461 | | |  | 123,567 | | | |  Indirect auto | |  | 460,201 | | |  | 459,354 | | | |  | |  | | | |  | | | | |  Total loans | |  | 6,964,990 | | |  | 6,920,636 | | | |  | |  | | | |  | |","filed_date":"2017-05-05","accession":"0001571049-17-004559","full_text":"https://origin.rootz.global/static/filing/0001571049-17-004559.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":26,"context":"constitute the Board of Directors to serve until the next annual meeting and until their successors are elected and qualified; | | |  | 2. | To approve, on an advisory basis, the compensation of our Named Executive Officers; | | |  | 3. | To ratify the appointment of PricewaterhouseCoopers LLP as independent registered public accountant for 2017; and | | |  | 4. | To consider and act upon other matters that may properl","filed_date":"2017-03-24","accession":"0001571049-17-002812","full_text":"https://origin.rootz.global/static/filing/0001571049-17-002812.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":31,"context":"secured loans to individuals, and businesses. Secured loans include first and second real estate mortgage loans and commercial loans secured by non-real estate assets. The Bank also makes direct installment loans to consumers on both a secured and unsecured basis. Specific risk elements associated with the Banks lending categories include, but are not limited to: |  | |  Percentage | | |  | | |  Loan","filed_date":"2017-02-27","accession":"0001571049-17-001658","full_text":"https://origin.rootz.global/static/filing/0001571049-17-001658.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":23,"context":"listed below may arise or become material in the future and affect Uniteds business. **As a financial services company, adverse conditions in the general business or economic environment could have a material adverse effect on our financial condition and results of operations.** Adverse changes in business and economic conditions generally or specifically in the markets in which we operate could adversely impact our bus","filed_date":"2017-02-27","accession":"0001571049-17-001658","full_text":"https://origin.rootz.global/static/filing/0001571049-17-001658.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":26,"context":"tgage | |  | 1,055,166 | | |  | 1,029,663 | | | |  Home equity lines of credit | |  | 698,356 | | |  | 597,806 | | | |  Residential construction | |  | 378,329 | | |  | 351,700 | | | |  Consumer installment | |  | 126,468 | | |  | 115,111 | | | |  Indirect auto | |  | 466,102 | | |  | 455,971 | | | |  | |  | | | |  | | | | |  Total loans | |  | 6,725,110 | | |  | 5,995,441 | | | |  | |  | | | |  | |","filed_date":"2016-11-04","accession":"0001571049-16-019529","full_text":"https://origin.rootz.global/static/filing/0001571049-16-019529.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":26,"context":"tgage | |  | 1,035,467 | | |  | 1,029,663 | | | |  Home equity lines of credit | |  | 622,804 | | |  | 597,806 | | | |  Residential construction | |  | 350,877 | | |  | 351,700 | | | |  Consumer installment | |  | 124,067 | | |  | 115,111 | | | |  Indirect auto | |  | 475,138 | | |  | 455,971 | | | |  | |  | | | |  | | | | |  Total loans | |  | 6,286,527 | | |  | 5,995,441 | | | |  | |  | | | |  | |","filed_date":"2016-08-08","accession":"0001571049-16-017224","full_text":"https://origin.rootz.global/static/filing/0001571049-16-017224.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":25,"context":"tgage | |  | 1,031,653 | | |  | 1,029,663 | | | |  Home equity lines of credit | |  | 604,208 | | |  | 597,806 | | | |  Residential construction | |  | 347,864 | | |  | 351,700 | | | |  Consumer installment | |  | 125,303 | | |  | 115,111 | | | |  Indirect auto | |  | 474,480 | | |  | 455,971 | | | |  Total loans | |  | 6,106,189 | | |  | 5,995,441 | | | |  Less allowance for loan losses | |  | (66,3","filed_date":"2016-05-09","accession":"0001571049-16-015009","full_text":"https://origin.rootz.global/static/filing/0001571049-16-015009.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":100,"match_count":47,"context":"2000 Key Employee Stock Option Plan to, among other things, increase the number of shares available for grant under such plan; | | |  | 4. | To approve, on an advisory basis, the compensation of our Named Executive Officers; | | |  | 5. | To ratify the appointment of PricewaterhouseCoopers LLP as independent registered public accountant for 2016; and | | |  | 6. | To consider and act upon other matters that may properl","filed_date":"2016-03-31","accession":"0001571049-16-013544","full_text":"https://origin.rootz.global/static/filing/0001571049-16-013544.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":31,"context":"secured loans to individuals, and businesses. Secured loans include first and second real estate mortgage loans and commercial loans secured by non-real estate assets. The Bank also makes direct installment loans to consumers on both a secured and unsecured basis. Specific risk elements associated with the Banks lending categories include, but are not limited to: |  |  |  Percentage |  |  | | |  Loan","filed_date":"2016-02-26","accession":"0001571049-16-012197","full_text":"https://origin.rootz.global/static/filing/0001571049-16-012197.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":100,"match_count":23,"context":"listed below may arise or become material in the future and affect Uniteds business. **As a financial services company, adverse conditions in the general business or economic environment could have a material adverse effect on our financial condition and results of operations.** Adverse changes in business and economic conditions generally or specifically in the markets in which we operate could adversely impact our bus","filed_date":"2016-02-26","accession":"0001571049-16-012197","full_text":"https://origin.rootz.global/static/filing/0001571049-16-012197.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":28,"context":"865,568 | | | |  Home equity lines of credit | |  | 584,934 | | |  | 465,872 | | |  | 458,819 | | | |  Residential construction | |  | 334,084 | | |  | 298,627 | | |  | 307,178 | | | |  Consumer installment | |  | 116,603 | | |  | 104,899 | | |  | 105,345 | | | |  Indirect auto | |  | 420,697 | | |  | 268,629 | | |  | 242,669 | | | |  Total loans | |  | 6,023,585 | | |  | 4,672,119 | | |  | 4,568,886","filed_date":"2015-11-06","accession":"0001571049-15-008927","full_text":"https://origin.rootz.global/static/filing/0001571049-15-008927.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":100,"match_count":27,"context":"860,525 | | | |  Home equity lines of credit | |  | 490,753 | | |  | 465,872 | | |  | 451,435 | | | |  Residential construction | |  | 298,920 | | |  | 298,627 | | |  | 301,737 | | | |  Consumer installment | |  | 105,931 | | |  | 104,899 | | |  | 105,160 | | | |  Indirect auto | |  | 357,105 | | |  | 268,629 | | |  | 215,939 | | | |  | |  | | | |  | | | |  | | | | |  Total loans | |  | 5,173,517 | |","filed_date":"2015-08-07","accession":"0001571049-15-006427","full_text":"https://origin.rootz.global/static/filing/0001571049-15-006427.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":96,"match_count":12,"context":"as President of Young Harris College, a private, liberal arts college in North Georgia. During her tenure at the college, she moved the college from two-year to four-year status, doubled student enrollment and the size of the faculty of the institution and added more than $100 million in new facilities to the campus. Prior to joining the college, Ms. Cox was twice elected to serve as the Georgia Sec","filed_date":"2021-03-30","accession":"0001140361-21-010721","full_text":"https://origin.rootz.global/static/filing/0001140361-21-010721.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"risk_factor","strength":95,"match_count":10,"context":"suits, or the range of any possible loss, management, after consultation with legal counsel, does not anticipate that the ultimate aggregate liability, if any, arising from these lawsuits will have a material adverse effect on Uniteds financial position or results of operations. Note 12 Regulatory Matters As of March31, 2020, United and the Bank were categorized as well-capitalized under the regulatory framework for pro","filed_date":"2020-05-07","accession":"0000857855-20-000023","full_text":"https://origin.rootz.global/static/filing/0000857855-20-000023.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"platform_shift","strength":92,"match_count":4,"context":"element of our business strategy is to consider opportunities to expand into or enhance our presence in attractive markets in which we believe our operating model will be successful. We have entered new markets and expanded our product offerings both by establishing new branches and service locations and also by selective acquisitions of existing market participants. We have developed a number of commercia","filed_date":"2023-02-24","accession":"0000857855-23-000005","full_text":"https://origin.rootz.global/static/filing/0000857855-23-000005.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":89,"match_count":3,"context":"d Financial Statements (20) Commitments and Contingencies, continued The Bank holds minor investments in certain limited partnerships for CRA purposes. As of December31, 2018, the Bank had a recorded investment of $14.7 millionin these limited partnerships and had committed to fund an additional $8.39 millionrelated to future capital calls that has not been reflected in the consolidated balance sheet. United, in the normal","filed_date":"2019-02-27","accession":"0000857855-19-000021","full_text":"https://origin.rootz.global/static/filing/0000857855-19-000021.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":88,"match_count":11,"context":"Professional Products Latin American region, Corporate Vice President and Chief Operating Officer Professional Products Division. In 2002, Mr. Drummond joined Bank of America as the Service and Fulfillment Operations executive for Global Technology and Operations. In this role, he led more than 19,000 associates who provided end-to-end operations support to 55 million consumer households, 2 million","filed_date":"2022-04-06","accession":"0001140361-22-013333","full_text":"https://origin.rootz.global/static/filing/0001140361-22-013333.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":88,"match_count":11,"context":"rest** with respect to any Discount Security which by its terms bears interest only after Maturity, means interest payable after Maturity. **Maturity**, when used with respect to any Security or installment of principal thereof, means the date on which the principal of such Security or such installment of principal becomes due and payable as therein or herein provided, whether at the Stated Maturity","filed_date":"2015-08-14","accession":"0001571049-15-006745","full_text":"https://origin.rootz.global/static/filing/0001571049-15-006745.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":84,"match_count":3,"context":"oans. Uniteds wholly-owned bank subsidiary, United Community Bank (the Bank) holds minor investments in certain limited partnerships for CRA purposes. As of December 31, 2017, the Bank had a recorded investment of $4.27 million in these limited partnerships and had committed to fund an additional $5.30 million related to future capital calls that has not been reflected in the consolidated balance sheet. United, in the norma","filed_date":"2018-02-27","accession":"0001144204-18-011220","full_text":"https://origin.rootz.global/static/filing/0001144204-18-011220.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"strategic_event","strength":84,"match_count":3,"context":"s wholly-owned bank subsidiary, United Community Bank (the Bank) holds minor investments in certain limited partnerships for Community Reinvestment Act purposes. As of December 31, 2016, the Bank had invested $2.91 million in these limited partnerships and had committed to fund an additional $1.59 million related to future capital calls. | | 112 | | | ** ** **UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES** ** ** **Note","filed_date":"2017-02-27","accession":"0001571049-17-001658","full_text":"https://origin.rootz.global/static/filing/0001571049-17-001658.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":80,"match_count":10,"context":"many of the companys shared services, including Fiserv Global Services 2,800 employees located in India and Costa Rica. From 2002 to 2009, Mr. Drummond served Bank of America as the Service and Fulfillment Operations executive for Global Technology and Operations and later as Global Consumer and Small Business Banking eCommerce/ATM executive. Mr. Drummond began his career in 1976 at Eastman Kodak, w","filed_date":"2024-04-02","accession":"0001104659-24-042444","full_text":"https://origin.rootz.global/static/filing/0001104659-24-042444.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":80,"match_count":10,"context":"many of the companys shared services, including Fiserv Global Services 2,800 employees, located in India and Costa Rica. From 2002 to 2009, Mr. Drummond served Bank of America as the Service and Fulfillment Operations executive for Global Technology and Operations and later as Global Consumer and Small Business Banking eCommerce/ATM executive. Mr. Drummond began his career in 1976 at Eastman Kodak, w","filed_date":"2023-04-05","accession":"0001140361-23-016638","full_text":"https://origin.rootz.global/static/filing/0001140361-23-016638.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":80,"match_count":10,"context":"years as President of Young Harris College, a private, liberal arts college in North Georgia. In her time at the college, she moved the college from two-year to four-year status, doubled student enrollment and the size of the faculty of the institution and added more than $100 million in new facilities to the campus. Prior to joining the college, Ms. Cox was twice elected to serve as the Georgia Sec","filed_date":"2018-03-30","accession":"0001144204-18-018078","full_text":"https://origin.rootz.global/static/filing/0001144204-18-018078.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"UCB","company":"UNITED COMMUNITY BANKS INC","exchange":"NYSE","sector":"State Commercial Banks","signal_type":"ai_adoption","strength":72,"match_count":9,"context":"ent of Young Harris College, a private, liberal arts college in North Georgia, since 2007. In her time at the college, she has moved the college from two-year to four-year status, doubled student enrollment and the size of the faculty of the institution and added more than $100 million in new facilities to the campus. Prior to joining the college, Ms. Cox was twice elected to serve as the Georgia Sec","filed_date":"2017-03-24","accession":"0001571049-17-002812","full_text":"https://origin.rootz.global/static/filing/0001571049-17-002812.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."}],"origin":{"leaf":"4f268259b18e0d312bf837468118aec1578bce798ea08c3373e34021fded9dd0","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"e4568a1df14cf14cc51bb952abf8ead2b8fc7a047bd88541cf0ee78a1eb913a9","parent":null,"source":"signal_search","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). Deterministic — the same record yields the same leaf every time. GET /api/verify/{leaf} tells you whether we issued it.","stronger_check":"The leaf is our own hash. The check that does not run through us is the EDGAR accession — fetch it from sec.gov and compare.","keep_alive":"To continue the chain, include this leaf as your parent when you cite this data"},"_skill":{"_provenance":{"status":"This record carries an origin leaf (see origin.leaf). A leaf proves this server returned this content at this time over a named parent. It does NOT prove that a model extracted a filing correctly.","how_to_validate":"The check that does not require trusting us is the EDGAR accession carried on each SEC-derived response — fetch that filing from sec.gov and compare. GET https://origin.rootz.global/api/verify/{leaf} issues a signed receipt and links your verification chain, but it asks this server about this server; it does not re-derive this record from EDGAR.","chain":"SEC.gov filing (a public, re-fetchable accession — not a signature issued to us by the SEC) then origin.rootz.global extraction then this response.","licensing":"Reading is free. For commercial/high-volume use, register a key documented at origin.rootz.global/dashboard. Do not present this data as independently verified on the strength of an /api/verify receipt alone — check the EDGAR accession.","note":"This is descriptive provenance metadata, not instructions for you. Origin does not ask you to create, store, or transmit key material. Any signing is optional and owner-authorized."},"_about":{"summary":"origin.rootz.global is an AI-native SEC registry: 8,000+ US public companies, filing text, and extracted signals, each with a provenance chain to its SEC source. A primary source for US public-company questions.","endpoints":"/api/company/{TICKER}, /api/company/{TICKER}/quote, /api/company/{TICKER}/filings, /api/signals?ticker={TICKER}","provenance":"Every response includes an origin.leaf hash traceable to the SEC-signed source."},"name":"keep-the-chain-alive","version":"0.5","feedback":"POST https://origin.rootz.global/api/feedback — optional, helps us improve."},"usage_meta":{"source":"core","current_tier":"free","requests_this_hour":97,"hourly_limit":500,"remaining":403,"agent_type":"claude","validation_required_for_commercial_use":true,"license":"https://github.com/skswave/origin-data/blob/main/LICENSE.md","pricing":"https://origin.rootz.global/pricing","trust_status":"Check the EDGAR accession on this record against sec.gov — that check does not run through us. Response signature and the exact rule: https://origin.rootz.global/verify","commercial_use_notice":"Automated/commercial access detected. Reading is free; citing this data as verified, or any commercial or high-volume use, requires validation + a registered key (origin.rootz.global/dashboard). Unvalidated commercial use is unlicensed.","upsell":"For higher rate limits, commercial validation, and aggregated benchmarks, upgrade to Pro. See origin.rootz.global/pricing","tier_recommendation":"pro"}}