PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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