United National Bank
Cairo, Georgia · FDIC Cert #35427
This is the FDIC profile for United National Bank, an FDIC-insured bank (Certificate #35427) with $274M in total assets and $217M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Cairo, Georgia, the bank maintains a Tier 1 capital ratio of 20.90% (Well-Capitalized) and a nonperforming loan ratio of 1.40%. BankHealthData assigns a composite Health Grade of B (76/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
United National Bank (FDIC cert 35427) is a community bank — $274M in total assets, $217M in deposits, serving the Cairo, Georgia area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 20.90% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.40% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 14.1% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is strong: return on assets of 2.26% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. United National Bank carries a composite BankHealth grade of B (76/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: United National Bank
- Total Assets
- $274M
- Total Deposits
- $217M
- Tier 1 Capital Ratio
- 20.90%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.40%
- Liquidity Ratio
- 14.07%
- Return on Assets
- 2.26%
- Headquarters
- Cairo, Georgia
- FDIC Certificate
- #35427
- Health Grade
- B (76/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
United National Bank files quarterly Call Reports with the FDIC under Certificate #35427. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, United National Bank holds a Tier 1 capital ratio of 20.90%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning United National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
United National Bank shows strong financial health indicators. With $274M in assets and a Health Score of 76/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How United National Bank Compares
United National Bank’s Health Score of 76 is 7 points below the Georgia state average of 83 across 123 FDIC-insured banks. Its 20.90% Tier 1 capital ratio is 6.9 points above the US banking industry average near 14%. The 1.40% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.26% is in line with or above the national ROA benchmark of ~1.1%. Among 1578 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, United National Bank is 4 points below the portfolio average of 80.
Frequently Asked Questions
United National Bank has a Bank Health Score of B (76/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 20.90%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. United National Bank's Tier 1 capital ratio of 20.90% and nonperforming loan ratio of 1.40% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at United National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35427). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
United National Bank holds $274M in total assets and $217M in total deposits. It is headquartered in Cairo, Georgia (FDIC Certificate #35427).
United National Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #35427 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
United National Bank has a Tier 1 capital ratio of 20.90%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.40%, and the return on assets is 2.26%.
Yes. United National Bank is FDIC-insured (Certificate #35427). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
United National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.