United National Bank
Asset quality shifted last quarter — NPLs rose to 3.42% from 2.84% in the prior period. United National Bank is a locally rooted FDIC-insured community bank based in Cairo, GA. As of Q1 2026, the bank held approximately $317M in total assets and $262M in deposits. Profitability tracks the broader industry — ROA 0.91%, ROE 6.17%, NIM 4.31%. Capital is comfortably above regulatory minimums — CET1 ratio of 22.43% sits well above the 7% well-capitalized threshold. Asset quality is impaired, with nonperforming loans at 3.42%. The bank operates from a single office.
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
- Fed District
- 5
- Established
- May 26, 2000
- Branches
- 1 domestic
- Employees (FTE)
- 39
- FDIC Cert
- 35427
- Fed RSSD
- 2914727
- Website
- http://www.unbonline.com →
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
United National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about United National Bank
What are United National Bank's total assets?
As of the Q1 2026 filing, United National Bank reported total assets of $316.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is United National Bank headquartered?
United National Bank is headquartered in CAIRO, GA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was United National Bank founded?
United National Bank was established in 2000, per the FDIC institution directory.
Is United National Bank FDIC-insured?
Yes. United National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is United National Bank's CET1 capital ratio?
United National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 22.43% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does United National Bank operate?
United National Bank operates 1 domestic branch, per the most recent FDIC Summary of Deposits filing.
What is United National Bank's Texas Ratio?
United National Bank's Texas Ratio is 19.18% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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