Headquartered in Cairo, Georgia, United National Bank is a national bank with $308.7M in total assets and $255.9M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2000.
United National Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 102nd. Capital cushion contributes the most (98/100, 14.77%); loan quality contributes the least (28/100, 2.15%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 17 points (82 → 65), mostly because the loan quality component weakened by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 72 |
| Q4 2024 | 87 |
| Q1 2025 | 86 |
| Q2 2025 | 82 |
| Q3 2025 | 79 |
| Q4 2025 | 75 |
| Q1 2026 | 61 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.25% |
| Q3 2024 | 15.40% |
| Q4 2024 | 15.12% |
| Q1 2025 | 15.36% |
| Q2 2025 | 14.84% |
| Q3 2025 | 14.70% |
| Q4 2025 | 14.79% |
| Q1 2026 | 14.95% |
| Q2 2026 | 14.77% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.40% |
| Q3 2024 | 1.73% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.93% |
| Q4 2025 | 1.39% |
| Q1 2026 | 2.45% |
| Q2 2026 | 2.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.76% |
| Q3 2024 | 1.56% |
| Q4 2024 | 1.56% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.51% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.46% |
| Q1 2026 | 0.92% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $308.7M | 14.77% | 2.15% | 1.23% | 94.1% |
| Q1 2026 | 61 | $316.6M | 14.95% | 2.45% | 0.92% | 87.0% |
| Q4 2025 | 75 | $312.1M | 14.79% | 1.39% | 1.46% | 87.9% |
| Q3 2025 | 79 | $311.7M | 14.70% | 0.93% | 1.47% | 89.5% |
| Q2 2025 | 82 | $306.0M | 14.84% | 0.67% | 1.51% | 88.5% |
| Q1 2025 | 86 | $297.5M | 15.36% | 0.29% | 1.48% | 90.1% |
| Q4 2024 | 87 | $287.2M | 15.12% | 0.18% | 1.56% | 94.8% |
| Q3 2024 | 72 | $288.1M | 15.40% | 1.73% | 1.56% | 99.5% |
| Q2 2024 | 76 | $273.8M | 15.25% | 1.40% | 1.76% | 103.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Craft BankBank Atlanta, GA | 68 out of 100, Moderate | $305.9M | 13.8% | 1.61% | vs |
| The Claxton BankBank Bellville, GA | 50 out of 100, Below average | $304.8M | 12.6% | 2.51% | vs |
| Classic City BankBank Athens, GA | 80 out of 100, Strong | $314.3M | 11.0% | 0.00% | vs |
| Durden Banking Company, IncorporatedBank Twin City, GA | 92 out of 100, Very strong | $299.2M | 16.2% | 0.11% | vs |
| Community Banking CompanyBank Fitzgerald, GA | 77 out of 100, Strong | $297.3M | 11.3% | 0.64% | vs |
| Georgia First BankBank Soperton, GA | 75 out of 100, Strong | $290.8M | 9.5% | 0.07% | vs |
Deposit insurance
Is my money safe at United National Bank?
Yes. United National Bank is an FDIC-insured institution (FDIC certificate #35427). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.0% of deposits ($69.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.32% (benchmark: 10%).
1 location
Branches
United National Bank lists 1 office in 1 city. Most locations:
- Cairo, GA (1)
Identity & history
Profile
- Legal name
- United National Bank
- Type
- National bank
- FDIC certificate #
- 35427
- RSSD ID
- 2914727
- Primary regulator
- OCC
- Established
- May 26, 2000
- Headquarters
- 722 N Broad St, Cairo, GA 39828
- Website
- www.unbonline.com
- Employees
- 36
Quick answers
United National Bank: common questions
Is United National Bank FDIC insured?
Yes. United National Bank is an FDIC-insured institution (FDIC certificate #35427). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is United National Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has United National Bank ever failed?
There is no failure record for FDIC certificate #35427 in the FDIC failed bank list.
How many branches does United National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cairo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Thomasville National BankBank Thomasville, GA | 76 out of 100, Strong | $2.2B | 10.7% | 0.22% | vs |
| Capital City BankBank Tallahassee, FL | 72 out of 100, Strong | $4.4B | 10.3% | 0.40% | vs |
| Five Star Credit UnionCredit union Dothan, AL | 72 out of 100, Strong | $1.3B | 13.8% | 1.50% | vs |
| Midflorida Credit UnionCredit union Lakeland, FL | 72 out of 100, Strong | $9.8B | 10.7% | 0.46% | vs |
| PeoplesSouth BankBank Colquitt, GA | 69 out of 100, Moderate | $1.2B | 10.4% | 1.02% | vs |