Risk factors

United Community Banks (UCB) risk factors

Item 1A of every United Community Banks Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    44 risks4 new2 dropped10 reworded

    Artificial intelligence and deep fake cyber threats are newly prioritized risks.

    Filed Feb 17, 2026
  • FY2024 10-K risk factors
    42 risks

    United Community Banks faces key risks from commercial real estate loan concentrations, interest rate volatility, and regulatory burdens.

    Filed Feb 27, 2025