EDWARDS ROBERT A. 4

What Happened

• Robert A. Edwards, EVP and Chief Risk Officer of United Community Banks, received 4,580 performance stock units that vested on February 15, 2026 (reported as an award/grant).
• To satisfy tax-withholding obligations, 1,392 shares were withheld at $34.56/share ($48,108) and 1,006 shares were withheld at $34.56/share ($34,767), for total withholding of $82,875. Net shares retained from the vesting event: 2,182 (4,580 granted − 2,398 withheld).

Key Details

• Transaction date: 2026-02-15.
• Award: 4,580 shares acquired @ $0.00 (performance stock units vested).
• Withholding dispositions: 1,392 shares disposed @ $34.56 = $48,108; 1,006 shares disposed @ $34.56 = $34,767.
• Net shares retained from vesting: 2,182.
• Footnotes: F1 = performance criteria satisfied for previously awarded performance stock units (vested 2/15/2026); F2 = shares withheld for performance PSU tax withholding; F3 = shares withheld for time‑based unit tax withholding.
• Filing timeliness: no late filing indicated in the provided data.

Context

• This was a vesting of previously awarded stock units (an award), not an open-market purchase or a sale for investment liquidity. The withheld shares represent a cashless-type tax withholding to cover tax liabilities on the vested awards.
• Such vesting-withholding transactions are routine compensation events for executives and do not, by themselves, indicate a change in the insider’s view of the company.