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
Unfavorable gap of $8.1M · efficiency ratio beats 58% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.94% | 1.46% | 1.76% | Beats 37% | 37 / 59 | | |
| Return on Equity | 8.45% | 7.92% | 11.60% | 15.10% | Beats 25% | 44 / 59 | | |
| Net Interest Margin | 4.52% | 3.66% | 4.24% | 4.75% | Beats 61% | 23 / 59 | | |
| Efficiency Ratio | 59.19% | 51.87% | 60.25% | 70.24% | Beats 58% | 26 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.15% | 0.10% | 0.36% | 0.89% | Beats 10% | 53 / 58 | | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.05% | Beats 36% | 38 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 21.05% | 11.93% | 15.65% | 21.05% | Beats 75% | 15 / 59 | | |
| Total Risk-Based Capital Ratio | 22.32% | 12.05% | 15.77% | 22.26% | Beats 76% | 14 / 59 | | |
| Equity / Assets | 14.71% | 9.10% | 11.51% | 14.32% | Beats 78% | 13 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.19% | 59.62% | 72.81% | 85.44% | 91st pctl | 5 / 58 | | |
| Loans / Assets | 79.73% | 49.55% | 64.39% | 73.73% | 90th pctl | 6 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |