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722 North Broad Street P.O. Box 150
Cairo, GA 39828

United National Bank is headquartered in Cairo and is the 88th largest bank in the state of Georgia. It is also the 3,372nd largest bank in the nation. It was established in 2000 and as of December of 2013, it had grown to 29 employees at 1 location. United National Bank has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


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 December 31, 2013 United National Bank had $3.76 million in non-current loans and owned real-estate with $27.86 million in equity and loan loss allowances on hand to cover it. This gives United National Bank a Texas Ratio of 13.50% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for United National Bank decreased slightly from 16.57% as of December 31, 2012 to 13.50% as of December 31, 2013, resulting in a positive change of 18.53%.This indicates that the balance sheet and financial strength for United National Bank has improved slightly in recent periods.

Deposit Growth


In the past year, United National Bank has decreased its total deposits by -$5.59 million, resulting in -3.87% 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 below average.



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 $172.58 million in assets with $27.86 million in equity, resulting in a capitalization level of 16.15%, which is excellent.

Institution Statistics

FDIC Certificate #35427
Year Established2000
Primary RegulatorOCC
Assets and Liabilities
Assets$172.58 million
Loans$156.43 million
Deposits$138.76 million
Equity Capital$23.28 million
Loan Loss Allowance$4.58 million
Unbacked Noncurrent Loans$3.53 million
Real Estate Owned$232,000
Historic Data - December 2012
Assets$175.70 million
Equity Capital$21.68 million
Loan Loss Allowance$5.11 million
Unbacked Noncurrent Loans$3.53 million
Real Estate Owned$403,000
Profit Margin - Quarterly
Net Interest Margin5.07%
Return on Assets1.35%
Return on Equity10.71%
Interest Income$9.82 million

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United National Bank Locations
United National Bank722 N Broad StCairo, GA 39828