UNITED NATIONAL BANK

CAIRO, GA | Small | Est. May 26, 2000, midnight | FDIC #35427 | RSSD #2914727 | OCC
Latest Report: 2025-12-31

UNITED NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in CAIRO, GA, established in May 26, 2000, midnight. As of 2025-12-31, the bank reported total assets of $312M and total deposits of $257M. Profitability stands at 1.45% ROA and 9.82% ROE, with a net interest margin of 5.09%. The bank's CET1 capital ratio is 22.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.39% and a Texas Ratio of 10.64%. FDIC Certificate #35427.

Assets

$312M

Deposits

$257M

Loans

$231M

Equity

$47M

Profitability

Return on Assets (ROA) 1.45%
Return on Equity (ROE) 9.82%
Net Interest Margin (NIM) 5.09%
Yield on Assets 7.42%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 1.39%
Net Charge-Off Ratio 0.09%
Texas Ratio 10.64%
NPA Ratio 1.76%
ACL / Loans 2.18%

Capital & Liquidity

CET1 Ratio 22.47%
Tier 1 Capital 22.47%
Total Capital Ratio 23.73%
Leverage Ratio 14.79%
Loan-to-Deposit 89.88%

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