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United National Bank

$100M-$1B Specialty: Agricultural GA FDIC cert 35427

Cairo, GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
  • Deposits +0.8% year over year ($255.9M on the books).
  • Delinquency rate 2.20%.
  • Return on assets 1.23%.
  • Efficiency ratio 59.19% vs a 64.48% peer average.
  • Loan-to-deposit ratio 94.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA
View $100M-$1B leaderboard (GA) →

United National Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.72% above tier average
  • + Efficiency Ratio 5.29% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 18.6% in tier
  • - Margin Compression: Bottom 22.8% in tier
  • - Cost Spiral: Bottom 23.2% in tier
  • - Liquidity Strain: Bottom 39.8% in tier
  • - Nonperforming Asset Ratio 1.67% above tier average
  • - Delinquency Rate 1.28% above tier average
Get updates when United National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $308.7M
+0.9% YoY -2.5% QoQ
-$77.8M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $240.7M
+7.1% YoY +5.5% QoQ
-$17.6M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
57%
Total Deposits ? $255.9M
+0.8% YoY -2.4% QoQ
-$70.8M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 1.23%
-18.6% YoY +33.9% QoQ
-0.09% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
49%
Net Interest Margin ? 4.70%
-7.6% YoY +6.6% QoQ
+0.72% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
Top 14.2% in tier
Efficiency Ratio ? 59.19%
+10.9% YoY -7.6% QoQ
-5.29% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? 2.20%
+218.5% YoY -12.1% QoQ
+1.28% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
Bottom 11.1% in tier
Loan-to-Deposit Ratio ? 94.06%
+6.3% YoY +8.1% QoQ
+16.11% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 15.04%
+14.1% YoY +7.4% QoQ
-6.99% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 2.34%
+52.5% YoY -4.3% QoQ
+1.67% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
Bottom 5.3% in tier
Tier 1 Capital Ratio ? 21.05%
-3.5% YoY -6.2% QoQ
+5.14% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
Top 11.7% in tier
Non-Interest Income / Assets ? 0.09%
-42.1% YoY +111.1% QoQ
-0.47% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Noninterest-Bearing 15.0%
+1.9pp YoY
+1.0pp QoQ
 -7.1pp 22.1% 26.2% 22.2% 24%
Brokered Deposits 4.0%
-1.4pp YoY
-0.1pp QoQ
 -3.8pp 7.9% 7.5% 8.5% 45%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 7.6%
-2.0pp YoY
-0.4pp QoQ
 -4.0pp 11.6% 9.7% 12.5% 36%
CRE 22.7%
+2.1pp YoY
-0.8pp QoQ
 -16.8pp 39.5% 48.9% 41.4% 22%
1-4 Family 24.5%
-0.5pp YoY
-2.1pp QoQ
 -8.1pp 32.6% 31.7% 31.3% 40%
Consumer 3.3%
-0.5pp YoY
-0.1pp QoQ
 -0.8pp 4.1% 4.8% 5.0% 64%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 21.1%
-0.8pp YoY
-1.4pp QoQ
 +2.2pp 18.8% 20.9% 19.7% 81%
Leverage Ratio 14.8%
-0.1pp YoY
-0.2pp QoQ
 +2.6pp 12.2% 14.0% 12.6% 86%
Total Capital Ratio 22.3%
-0.8pp YoY
-1.4pp QoQ
 +2.4pp 19.9% 22.1% 20.8% 81%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 36
-2 (-5.3%) YoY
-3 (-7.7%) QoQ
 -23 58 98 482 36%
Assets per Employee ($) $8.6M
+6.5% YoY
+5.6% QoQ
 +$1.1M $7.5M $7.5M $8.8M 75%
Branch Count 1
0 YoY
0 QoQ
 -4 4 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 2.2%
+1.7pp YoY
-0.3pp QoQ
 +1.3pp 0.9% 0.8% 1.0% 89%
Allowance Coverage 1.02x
-71.7% YoY
+13.4% QoQ
 -23.13x 24.15x 38.10x 20.23x 27%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
-0.1pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 8.3%
-1.8pp YoY
+2.1pp QoQ
 -3.9pp 12.2% 13.6% 11.6% 27%
Cost of Funds (YTD) 2.1%
-0.1pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 76%
Net Income ($, YTD) $1.9M
-14.3% YoY
— QoQ
 -$635K $2.6M $6.6M $40.4M 50%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (4)

Liquidity Overhang

risk
#139 of 742 • Bottom 18.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 21.05%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 94.06%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Margin Compression

decline
#71 of 307 • Bottom 22.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.23%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Cost Spiral

risk
#33 of 138 • Bottom 23.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 59.19%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#276 of 691 • Bottom 39.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 94.06%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

311
Tier 1 Capital Ratio
capital
Value: 21.05%
Peer Median: 15.91%
#311 of 2643 Top 11.7% in $100M-$1B
376
Net Interest Margin
profitability
Value: 4.70%
Peer Median: 3.99%
#376 of 2643 Top 14.2% in $100M-$1B

Top Weaknesses (5 metrics)

2503
Nonperforming Asset Ratio
credit_quality
Value: 2.34%
Peer Median: 0.67%
#2503 of 2643 Bottom 5.3% in $100M-$1B
2343
Delinquency Rate
credit_quality
Value: 2.20%
Peer Median: 0.92%
#2343 of 2633 Bottom 11.1% in $100M-$1B
2228
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2228 of 2643 Bottom 15.7% in $100M-$1B
2171
Loan-to-Deposit Ratio
liquidity
Value: 94.06%
Peer Median: 77.95%
#2171 of 2643 Bottom 17.9% in $100M-$1B
1995
Non-Interest-Bearing Deposit Share
funding
Value: 15.04%
Peer Median: 22.03%
#1995 of 2643 Bottom 24.6% in $100M-$1B
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