PackageTrendsPeer
Letter portraitLegal landscape

United National Bank

Cairo, GA · Cert 35427

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in GA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in GA (n=58 to 59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

58

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United National Bank

Cairo, GA · Cert 35427

National charter · OCC · 1 branch

Q2 2026

$308.7MAssets
$246.2MLoans
$255.9MDeposits
$45.4MEquity
Loan mix
84%RE $168.5M12%C&I $23.6M4%Consumer $7.9MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $217.4M15%Noninterest $38.5MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.23%, down 28 bps year over year; NIM at 4.52%.
  • Asset quality: problem loans at 2.15% of loans (+148 bps YoY), with net recoveries of 0.04%.
  • Capital: tier 1 leverage ratio of 14.77%, down 7 bps from a year ago.
  • Funding: loans stand at 96.19% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%-28 bps YoY

Net Interest Margin (YTD, annualized)

4.52%-30 bps YoY

Efficiency Ratio (YTD, annualized)

59.19%+583 bps YoY

Tier 1 Leverage Ratio

14.77%-7 bps YoY

NIM

6.99%Q2 ’246.90%Q2 ’256.54%Q2 ’26-4%-6%

Non-interest income vs. expense

2.77%Q2 ’242.74%Q2 ’252.78%Q2 ’260%+7%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.56%1.48%1.51%1.47%1.46%0.92%1.23%-28 bps
Return on Equity10.30%10.28%9.66%10.04%9.84%9.82%6.17%8.29%-175 bps
Net Interest Margin5.00%4.81%4.75%4.82%4.69%4.61%4.20%4.52%-30 bps
Efficiency Ratio53.01%52.68%55.28%53.37%58.11%57.87%64.03%59.19%+583 bps
Non-Interest Burden2.54%2.41%2.43%2.42%2.73%2.66%2.63%2.60%+18 bps
Growth
Asset Growth (YoY)1.52%-0.70%5.31%11.76%8.17%8.65%6.43%0.87%-1,089 bps
Loan Growth (YoY)9.10%8.13%4.30%0.51%-0.32%3.15%4.94%6.82%+630 bps
Deposit Growth (YoY)1.03%-1.53%6.06%17.05%10.71%11.29%8.81%0.75%-1,630 bps
Asset Quality
Nonperforming Loans / Loans1.73%0.18%0.29%0.67%0.93%1.39%2.45%2.15%+148 bps
Net Charge-Offs / Loans0.31%0.27%-0.01%-0.02%0.07%0.09%0.03%-0.04%-2 bps
Allowance / Loans2.04%2.21%2.29%2.45%2.16%2.18%2.21%2.21%-24 bps
Allowance Coverage of NPLs1.2x12.5x7.9x3.6x2.3x1.6x0.9x1.0x-2.6x
Capital
Tier 1 Leverage Ratio15.40%15.12%15.36%14.84%14.70%14.79%14.95%14.77%-7 bps
Total Risk-Based Capital21.81%23.31%24.21%23.09%23.31%23.73%23.70%22.32%-77 bps
Equity / Assets15.04%15.42%15.28%14.43%14.58%14.92%14.84%14.71%+28 bps
Liquidity & Funding
Loans / Deposits101.61%96.96%92.26%90.72%91.49%89.88%88.98%96.19%+546 bps
Liquid Assets / Assets6.01%13.13%18.12%13.12%13.15%15.13%14.01%8.03%-509 bps
CRE / Total Capitaln/an/an/an/a105.12%112.53%113.46%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

United National Bank

Cairo, GA · Cert 35427 · Peer group: banks under $1B in assets in GA (n=58-59)

National charter · OCC · 1 branch

Q2 2026

$308.7MAssets
$246.2MLoans
$255.9MDeposits
$45.4MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 78% of banks under $1B in assets in GA (rank 13 of 59).
  • Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in GA (rank 53 of 58).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.24%

Rank 37 of 59

Net Interest Margin

4.52%

Rank 23 of 59

Efficiency Ratio

59.19%

Rank 26 of 59

Equity / Assets

14.71%

Rank 13 of 59

Non-interest income vs. expense

$0.6M$8.7MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 58% of banks under $1B in assets in GA
Bank 59.19%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.24%0.94%1.46%1.76%Beats 37%37 / 59
Return on Equity8.45%7.92%11.60%15.10%Beats 25%44 / 59
Net Interest Margin4.52%3.66%4.24%4.75%Beats 61%23 / 59
Efficiency Ratio59.19%51.87%60.25%70.24%Beats 58%26 / 59
Asset Quality
Nonperforming Loans / Loans2.15%0.10%0.36%0.89%Beats 10%53 / 58
Net Charge-Offs / Loans0.04%0.00%0.02%0.05%Beats 36%38 / 58
Capital
Tier 1 Capital Ratio21.05%11.93%15.65%21.05%Beats 75%15 / 59
Total Risk-Based Capital Ratio22.32%12.05%15.77%22.26%Beats 76%14 / 59
Equity / Assets14.71%9.10%11.51%14.32%Beats 78%13 / 59
Liquidity & Funding
Loans / Deposits96.19%59.62%72.81%85.44%91st pctl5 / 58
Loans / Assets79.73%49.55%64.39%73.73%90th pctl6 / 59
Brokered Deposits / Depositsn/aNot reported for this institution