UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Fiscal Year Ended December 31, 2025 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED COMMUNITY BANKS, INC. (Exact name of registrant as specified in its charter) | Georgia | 58-1807304 | | --- | --- | | (State of incorporation) | (I.R.S. Employer Identification No.) | | 200 East Camper ...