United National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.60 percentage points higher than in Q1 2026, at 72.24%. Within Georgia, United National Bank is 67th of 121 on return on assets, 1.54% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. United National Bank sits 0.28 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 21.05% |
| Tier 1 risk-based capital ratio | 21.05% |
| Total risk-based capital ratio | 22.32% |
| Tier 1 leverage ratio | 14.77% |
| Equity capital to assets | 14.71% |
| Tangible equity to tangible assets | 14.71% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.05% |
| Non-performing assets ratio | 3.05% |
| Net charge-off ratio | -0.11% |
| Texas ratio | 18.54% |
| Allowance for credit losses to loans | 2.21% |
| Reserve coverage of non-performing loans | 72.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 10.38% |
| Net interest margin | 4.87% |
| Efficiency ratio | 54.85% |
| Yield on earning assets | 6.91% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.19% |
| Core deposits to total deposits | 81.39% |
| Brokered deposits to total deposits | 4.04% |
| Deposits to assets | 82.90% |
| Securities to assets | 9.85% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 21.14% | 21.14% | 22.41% | 14.64% | 1.78% |
| Q4 2023 | 22.89% | 22.89% | 24.15% | 14.75% | 1.65% |
| Q1 2024 | 22.69% | 22.69% | 23.96% | 15.58% | 1.78% |
| Q2 2024 | 20.90% | 20.90% | 22.16% | 15.25% | 1.78% |
| Q3 2024 | 20.55% | 20.55% | 21.81% | 15.40% | 1.18% |
| Q4 2024 | 22.05% | 22.05% | 23.31% | 15.12% | 1.53% |
| Q1 2025 | 22.94% | 22.94% | 24.21% | 15.36% | 1.46% |
| Q2 2025 | 21.82% | 21.82% | 23.09% | 14.84% | 1.55% |
| Q3 2025 | 22.04% | 22.04% | 23.31% | 14.70% | 1.38% |
| Q4 2025 | 22.47% | 22.47% | 23.73% | 14.79% | 1.44% |
| Q1 2026 | 22.43% | 22.43% | 23.70% | 14.95% | 0.91% |
| Q2 2026 | 21.05% | 21.05% | 22.32% | 14.77% | 1.54% |
United National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock United National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full United National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35427) · FFIEC NIC profile (RSSD 2914727)