United National Bank
Cairo, GA
IDRSSD: 2914727
Total Assets
$311.66M
Latest filing
Total Deposits
$257.90M
Latest filing
Net Interest Margin
4.98%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
United National Bank
722 N Broad St
Cairo, GA 39828
Full Service - Brick and Mortar
Updated 11/14/2025Established 05/26/2000FDIC Certificate 80023
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| United National Bank (Main) | 722 N Broad St | Cairo, GA | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 05/26/2000 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 39828 |
| State and County Number | 13131 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/26/2000 |
| Primary Insurance Agency | DIF |
| Website | http://www.unbonline.com |
| Data Updated | 11/14/2025 |
| CERT | 35427 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $311.66M |
| Total Deposits | $257.90M |
| Total Liabilities | $266.21M |
| Total Equity Capital | $45.45M |
| Net Income | $1.07M |
| Net Loans and Leases | $230.85M |
| Assets Per Employee ($Millions) | $8.42M |
| Bank Premises and Fixed Assets | $2.28M |
| Cash and Balances due from Depository Institutions | $43.66M |
| Deposits Held in Domestic Offices | $257.90M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 9.53% |
| Net Interest Margin | 4.98% |
| Efficiency Ratio | 69.55% |
| Tier 1 Risk-Based Capital Ratio | 22.043% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.52% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.582% |
| Earning Assets to total Assets | 95.47% |
Income and Expense
| Total Interest Income | $5.34M |
| Total Noninterest Income | $-483,000 |
| Total Interest Expense | $1.67M |
| Total Noninterest Expense | $2.21M |
| Net Interest Income | $3.66M |
| Pre-tax Net Operating Income | $1.37M |
| Provision for Credit Losses | $-400,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $2.43M |
| Other borrowed funds | $4.81M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.50M |
| Total Liabilities and Capital | $311.66M |
Securities
| Securities | $25.69M |
| Available-for-sale debt securities | $25.60M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of United National Bank?
$311.66M as of the latest filing.
How much are United National Bank's total deposits?
$257.90M in total deposits.
Where is United National Bank located?
Cairo, GA.
What is the Net Interest Margin?
4.98%.
How many domestic offices does it operate?
1.
When was it established?
05/26/2000.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$230.85M (latest filing).
What is the total interest income (latest filing)?
$5.34M.