Total Assets
$312M
Total balance-sheet footings
FDIC Cert #35427 · Cairo, Georgia · Est. 2000
United National Bank - FDIC Bank Health Profile
A community-scale look at United National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $312M
- Total assets
- A
- Health grade · Excellent
- 1.46%
- Return on assets
- 22.5%
- Tier 1 capital
Data updated July 2026
The verdict
United National Bank earns a PlainBankData health grade of A (88/100), with well-capitalized at 22.47% Tier 1, profitable at 1.46% ROA, efficient (58% cost ratio).
- #2,434
- largest of 4,313 FDIC banks by assets
- 44th
- percentile by asset size, nationally
- 22.47%
- Tier 1 ratio - above the 10% well-capitalized line
- 72nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How United National Bank's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
United National Bank's composite health score
Tier 1 Capital Ratio (22.47%) 40/40
Return on Assets (ROA) (1.46%) 20/25
Texas Ratio (6.24%) 16/20
Efficiency Ratio (57.87%) 12/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$257M
Customer-funded liabilities
Net Loans
$226M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where United National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. United National Bank's score of 88/100 falls in the highlighted band.
United National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). United National Bank's $312M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.47%
Texas Ratio
6.24%
Equity Capital
$47M
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.46%
Return on Equity (ROE)
9.82%
Efficiency Ratio
57.87%
What the numbers say about United National Bank
United National Bank is an FDIC-insured institution (Certificate #35427) headquartered in Cairo, Georgia, established in 2000. It holds $312M in total assets - 2,434th of 4,313 FDIC-insured banks, $257M in customer deposits, and $226M in net loans. On safety, its Tier 1 capital ratio of 22.47% is above the 10% well-capitalized threshold, and its Texas Ratio of 6.24% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Georgia, United National Bank ranks 68th of 129 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$21M
Interest Income
$60K
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. United National Bank reports a Texas Ratio of 6.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Georgia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) United National Bank (FDIC Cert #35427) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Georgia
All Georgia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameris BankAtlanta | $27.4B | A | 1.64% |
| RBC Bank, (Georgia) National AssociationAtlanta | $8.0B | A | 2.48% |
| Metro City BankDoraville | $4.7B | A | 1.79% |
| Colony BankFitzgerald | $3.7B | B | 0.92% |
| Georgia Banking CompanyAtlanta | $2.7B | B | 0.96% |
| United BankZebulon | $2.3B | A | 2.66% |
| Pinnacle BankElberton | $2.3B | B | 1.29% |
| Queensborough National Bank & Trust CompanyLouisville | $2.2B | A | 1.05% |
Frequently asked questions
What is United National Bank's health grade?▼
United National Bank receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is United National Bank?▼
United National Bank holds $312M in total assets and $257M in deposits, ranking 2,434th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cairo, Georgia.
Is my money safe at United National Bank?▼
Yes, deposits at United National Bank (Certificate #35427) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is United National Bank's Tier 1 Capital Ratio?▼
United National Bank has a Tier 1 Capital Ratio of 22.47%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for United National Bank?▼
United National Bank has a Texas Ratio of 6.24%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is United National Bank?▼
United National Bank has an Efficiency Ratio of 57.87%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read United National Bank's profile as a depositor or analyst.
- United National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare United National Bank against other Georgia banks before moving funds. Georgia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.