United National Bank
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Data as of · sourced from FFIEC call reports. How we update
United National Bank is an FDIC-insured commercial bank headquartered in Cairo, GA, established in 2000 (FDIC certificate 35427), and it is supervised by the OCC. At Q2 2026 it reported total assets of $308.7M, up 0.9% from Q2 2025, the 64th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 21.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35427
- Headquarters
- Cairo, GA
- Established
- 2000
- Total assets, Q2 2026
- $308.7M
- Assets vs Q2 2025
- +0.9%
- CET1 ratio, Q2 2026
- 21.05%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 061219898
- Latest call report
- Q2 2026, FFIEC 051 · United National Bank call report
- Asset rank in state
- 64th of 121 in Georgia
Problem loans are rising at United National Bank. It reported $309 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.40% of loans from 0.45% a year earlier. It keeps 4.87 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also funds 14.77% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Loans are outrunning deposits: over the year loans rose 6.8% and deposits rose 0.8%. Credit is the area to watch: it carries problem assets equal to 10.5% of the capital and reserves that would absorb them, 4.0 times the median of 2.6% for banks its size.
As of June 30, 2026, United National Bank reported a CET1 capital ratio of 21.05%, a return on assets of 1.54%, a nonperforming-loan ratio of 2.15% and a Texas ratio of 10.51%. The figures come from its call report filed with the FFIEC.
United National Bank ranks as the 64th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.5% to $308.7M, loans rose 5.5% and deposits fell 2.4%. 1-4 family residential loans made up 24.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 22.6%. The FDIC Summary of Deposits lists a single office for it, in Cairo, GA. By the capital ratios in its Q2 2026 call report, United National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 722 N Broad St, Cairo, GA 39828
- County
- Grady
- Metro Area
- Thomasville, GA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 26, 2000
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $255.9M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- -$51K
- Average total assets
- $311.6M
- Average total loans
- $240.3M
- Average interest-bearing deposits
- $219.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 26, 2000
- FDIC Cert
- 35427
- Fed RSSD
- 2914727
- Website
- http://www.unbonline.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, United National Bank's total assets ranged from $273.8M (Q2 2024) to $316.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$308.7M total assets against $306.0M; $263.3M total liabilities against $261.9M.
$240.7M net loans and leases against $224.8M; $255.9M total deposits against $254.0M.
$30.4M securities against $26.1M; $27.2M cash and balances due against $43.8M.
$5.3M total interest income against $5.3M; $1.6M total interest expense against $1.6M.
$3.7M net interest income against $3.7M.
$145K total noninterest income against $166K; $2.1M total noninterest expense against $2.0M.
$155K provision for credit losses against $300K.
$1.2M net income against $1.2M.
1.54% return on assets against 1.55%; 4.87% net interest margin against 5.05%.
21.05% CET1 capital ratio against 21.82%; 14.77% tier 1 leverage ratio against 14.84%.
Inside the full United National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUnited National Bank rankings
Its closest position to the top of a national ranking is 285 of 2,134, for CET1 ratio; its furthest is 2,416 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.91% (Q1 2026) to 1.55% (Q2 2025) and its net interest margin ran from 4.31% (Q1 2026) to 5.23% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 21.05% | 1.54% | 2.15% | 10.51% | 4.87% |
| Q1 2026 | 22.43% | 0.91% | 2.45% | 11.08% | 4.31% |
| Q4 2025 | 22.47% | 1.44% | 1.39% | 9.51% | 4.79% |
| Q3 2025 | 22.04% | 1.38% | 0.93% | 7.75% | 4.88% |
| Q2 2025 | 21.82% | 1.55% | 0.67% | 8.36% | 5.05% |
| Q1 2025 | 22.94% | 1.46% | 0.29% | 7.48% | 4.90% |
| Q4 2024 | 22.05% | 1.53% | 0.18% | 8.45% | 5.06% |
| Q3 2024 | 20.55% | 1.18% | 1.73% | 11.45% | 5.23% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| United National Bank (main office) | Cairo , GA | 39828 | $255.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 97 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $248K approved, $248K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about United National Bank
What are United National Bank's total assets?
As of the Q2 2026 filing, United National Bank reported total assets of $308.7 million in its FFIEC call report.
Where is United National Bank headquartered?
It is headquartered in Cairo, GA, United States.
When was United National Bank founded?
It was established in 2000, per the FDIC institution directory.
Is United National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35427). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates United National Bank?
United National Bank's primary federal regulator is the OCC.
What is United National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 21.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does United National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is United National Bank's Texas Ratio?
Its Texas Ratio is 10.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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