BlastPoint's Banking Scorecard
United National Bank
Cairo, GA
United National Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Efficiency Ratio 1.25% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 5.2% in tier
- - Liquidity Overhang: Bottom 17.9% in tier
- - Cost Spiral: Bottom 65.9% in tier
- - Delinquency Rate 1.62% above tier average
- - Nonperforming Asset Ratio 1.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$316.6M
+6.4% YoY
+1.5% QoQ
|
-$69.4M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$228.2M
+5.0% YoY
+0.9% QoQ
|
-$27.5M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$262.3M
+8.8% YoY
+1.9% QoQ
|
-$65.7M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
0.92%
-38.1% YoY
-37.4% QoQ
|
-0.35% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
4.41%
-12.7% YoY
-12.2% QoQ
|
+0.48% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
64.03%
+15.8% YoY
+10.7% QoQ
|
-1.25% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
2.51%
+741.7% YoY
+76.0% QoQ
|
+1.62% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.2% in tier |
| Loan-to-Deposit Ratio ? |
87.01%
-3.5% YoY
-1.0% QoQ
|
+10.37% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
14.01%
+0.1% YoY
+1.4% QoQ
|
-8.01% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
2.44%
+92.1% YoY
+38.8% QoQ
|
+1.80% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.5% in tier |
| Tier 1 Capital Ratio ? |
22.43%
-2.2% YoY
-0.1% QoQ
|
+6.60% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 9.3% in tier |
| Non-Interest Income / Assets ? |
0.04%
-59.4% YoY
+125.0% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
16% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.