United National Bank

United National Bank Locations
722 North Broad Street P.O. Box 150
Cairo, GA 39828
229-377-7200
www.unbonline.com

United National Bank is headquartered in Cairo and is the 100th largest bank in the state of Georgia. It is also the 3,455th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 27 employees at 1 location. United National Bank has a 4-star health rating.

United National Bank Routing Number: 061219898

Related Posts

Rewards Checking Rate Change (Forum) - 10/26/2010

As of October 26, 2010, United National Bank in Cairo, Georgia, has lowered the APY of its Rewards Checking Account from 4.01% to 3.50% for amounts up to $25,000. The APY for amounts over $25,000 will remain the same at 1.05%.

4.01% Reward Checking Account at a Georgia Bank - Available Nationwide (United National) - 6/2/2008

Update 4/02/09: The top yield has fallen to 4.01% APY. Refer to the bottom of the post for the rate history.United National Bank has a reward checking account that pays 4.01% APY on balances up to $25,000 (1.05% for above) and refunds ATM fees if the...


Data for Q1 2012


Institution Statistics


United National Bank
FDIC Certificate #35427
BankRate ReportView
Year Established2000
Employees27
Primary RegulatorOCC

Assets and Liabilities

Assets$175.98 million
Loans$142.30 million
Deposits$147.80 million
Equity Capital$20.97 million
Loan Loss Allowance$5.29 million
Unbacked Noncurrent Loans$4.08 million
Real Estate Owned$552,000

Historic Data - March 2011

Assets$170.56 million
Equity Capital$20.19 million
Loan Loss Allowance$4.54 million
Unbacked Noncurrent Loans$931,000
Real Estate Owned$32,000

Profit Margin - Quarterly

Net Interest Margin4.46%
Return on Assets0.75%
Return on Equity6.33%
Interest Income$2.33 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 United National Bank had $4.63 million in non-current loans and owned real-estate with $26.26 million in equity and loan loss allowances on hand to cover it. This gives United National Bank a Texas Ratio of 17.64% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for United National Bank increased slightly from 4.19% as of March 31, 2011 to 17.64% as of March 31, 2012, resulting in a negative change of 320.47%. This indicates that the balance sheet and financial strength for United National Bank has declined slightly in recent periods.
Deposit Growth4
In the past year, United National Bank has increased its total deposits by $7 million, resulting in 4.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth United National Bank has shown is above average.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. United National Bank has $175.98 million in assets with $26.26 million in equity, resulting in a capitalization level of 14.92%, which is excellent.
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