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United National Bank
Cairo, GA · FDIC Certificate #35427 · Chartered 05/2
Total assets
$308.72M
Total deposits
$255.92M
Total equity
$45.43M
Net loans
$240.72M
Branches (offices)
1
Net income (YTD)
$1.92M
Rank: #2,426 of 4,213 U.S. banks by assets · #65 of 123 in Georgia. Assets changed 0.9% and deposits 0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 8.29% |
| Net interest margin (YTD) | 4.70% |
| Equity to assets | 14.71% |
| Tier 1 leverage ratio | 14.77% |
| Uninsured deposits (share of deposits) | 27.0% |
| Noncurrent loans (share of loans) | 2.15% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 94.1% |
| Real estate loans (share of loans) | 70.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $169.50M | 70.4% | |
| Commercial & industrial | $18.18M | 7.6% | |
| Consumer / individual | $7.99M | 3.3% | |
| Construction & development | $16.62M | 6.9% | |
| Agricultural | $44.74M | 18.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $287.27M | $240.28M | $1.54M | $36.31M |
| Jun 2023 | $278.40M | $227.12M | $3.03M | $39.84M |
| Jun 2024 | $273.84M | $217.01M | $2.48M | $42.40M |
| Jun 2025 | $306.04M | $254.01M | $2.24M | $44.17M |
| Jun 2026 | $308.72M | $255.92M | $1.92M | $45.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $255.92M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $255.92M.
Similar-sized banks
Farmers And Merchants Bank ($308.74M) · Bank Of Montana ($308.60M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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