United National Bank
Cairo, GA
IDRSSD: 2914727
Total Assets
$312.10M
Latest filing
Total Deposits
$257.30M
Latest filing
Net Interest Margin
4.90%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
061219898CAIRO, GA
Key People
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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 01/30/2026Established 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
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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 | 37 |
| 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 | 01/30/2026 |
| CERT | 35427 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $312.10M |
| Total Deposits | $257.30M |
| Total Liabilities | $265.55M |
| Total Equity Capital | $46.55M |
| Net Income | $1.13M |
| Net Loans and Leases | $226.21M |
| Assets Per Employee ($Millions) | $8M |
| Bank Premises and Fixed Assets | $2.24M |
| Cash and Balances due from Depository Institutions | $49.92M |
| Deposits Held in Domestic Offices | $257.30M |
Key Performance Ratios
| Return on Assets (ROA) | 1.45% |
| Return on Equity (ROE) | 9.82% |
| Net Interest Margin | 4.9% |
| Efficiency Ratio | 57.17% |
| Tier 1 Risk-Based Capital Ratio | 22.536% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.917% |
| Earning Assets to total Assets | 95.47% |
Income and Expense
| Total Interest Income | $5.32M |
| Total Noninterest Income | $60.00k |
| Total Interest Expense | $1.67M |
| Total Noninterest Expense | $2.12M |
| Net Interest Income | $3.65M |
| Pre-tax Net Operating Income | $1.51M |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $2.27M |
| Other borrowed funds | $4.69M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.56M |
| Total Liabilities and Capital | $312.10M |
Securities
| Securities | $24.56M |
| Available-for-sale debt securities | $24.47M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$312.10M as of the latest filing.
How much are United National Bank's total deposits?
$257.30M in total deposits.
Where is United National Bank located?
Cairo, GA.
What is the Net Interest Margin?
4.90%.
How many domestic offices does it operate?
1.
When was it established?
05/26/2000.
What is the Return on Assets (ROA)?
1.45%.
How much are total loans and leases?
$226.21M (latest filing).
What is the total interest income (latest filing)?
$5.32M.