# UNITED NATIONAL BANK
CAIRO, GA · FDIC certificate 35427 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $308.7M | |
| Deposits | $255.9M | |
| Loans and leases | $246.2M | |
| Total equity | $45.4M | |
| Loans / deposits | 94.06% (p80 of band) | 82.04% |
| Liquid assets / assets | 18.67% (p28 of band) | |
| Uninsured deposits / deposits | 26.97% (p55 of band) | 25.97% |
| Brokered deposits | 3.35% | |
| Wholesale funding | 4.78% (p57 of band) | |
| FHLB advances / assets | 1.43% | |
| Tier 1 leverage | 14.77% (p88 of band) | 10.81% |
| Unrealized securities loss / equity | -1.84% (p81 of band) | -8.10% |
| AOCI / equity | -1.42% (p14 of band) | |
| ROA (annualized) | 1.23% (p47 of band) | 1.28% |
| Net interest margin | 4.70% (p88 of band) | 3.91% |
| Efficiency ratio | 59.19% (p43 of band) | |
| Noncurrent loans | 2.15% (p89 of band) | 0.43% |
| Net charge-offs (annualized) | -0.03% (p3 of band) | |
| Reserve coverage of noncurrent | 102.41% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 36.59% (p43 of band) | |
| Auto loans | $4.1M (1.68% of loans; DQ 4.16%, NCO 0.00%) | |
| Loans to nondepository financials | $5.5M (12% of equity) (p97 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 36 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, brokered >10%, wholesale funding >15% |  |
| 2011-06 | 4 | liquid assets <10% |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 4 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2012-09 | 4 |  |  |
| 2012-12 | 5 | uninsured deposits leaving |  |
| 2013-03 | 4 |  | uninsured deposits leaving |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | capital falling |  |
| 2013-12 | 4 |  | capital falling |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | reserve under noncurrent |  |
| 2014-09 | 6 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2014-12 | 6 | reserve under noncurrent | capital falling |
| 2015-03 | 4 |  | charge-offs p90, reserve under noncurrent |
| 2015-06 | 4 |  |  |
| 2015-09 | 6 | capital falling, reserve under noncurrent |  |
| 2015-12 | 5 | charge-offs p90 | liquid assets <10%, capital falling |
| 2016-03 | 4 |  | loans exceed deposits |
| 2016-06 | 7 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2016-09 | 6 |  | capital falling |
| 2016-12 | 4 |  | loans exceed deposits, liquid assets <10% |
| 2017-03 | 5 | loans exceed deposits |  |
| 2017-06 | 4 |  | reserve under noncurrent |
| 2017-09 | 4 | liquid assets <10% | charge-offs p90 |
| 2017-12 | 3 | capital falling | loans exceed deposits, liquid assets <10% |
| 2018-03 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | capital falling |  |
| 2018-12 | 2 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2019-03 | 3 | loans exceed deposits |  |
| 2019-06 | 4 | liquid assets <10% |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking | brokered >10%, wholesale funding >15% |
| 2020-03 | 4 |  | deposits shrinking |
| 2020-06 | 4 |  |  |
| 2020-09 | 5 | capital falling, charge-offs p90 | noncurrent p90 |
| 2020-12 | 1 | noncurrent p90 | loans exceed deposits, liquid assets <10%, reserve under noncurrent, capital falling, charge-offs p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 | charge-offs p90 | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | charge-offs p90 |  |
| 2023-06 | 2 | deposits shrinking | noncurrent p90 |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 3 | deposits shrinking, assets shrinking |  |
| 2024-03 | 4 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | charge-offs p90, assets shrinking |
| 2024-06 | 3 | loans exceed deposits, charge-offs p90 | deposits shrinking, noncurrent p90, reserve under noncurrent |
| 2024-09 | 1 |  | uninsured deposits leaving, loans exceed deposits |
| 2024-12 | 2 | uninsured deposits leaving |  |
| 2025-03 | 0 |  | charge-offs p90, uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2026-06 | 0 |  | noncurrent p90, reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-22 [Organizers eye February opening for Atlanta-area de novo - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOcHRHMHpIQncxTUs1VGJ0S2FmdGVadVBCbmRiME85bS1FRUNCd2dvZlREeU4zbmQtWXd6MWoxWlMwZ3l0MmF1Z2JDbkI5YlJ0OVhkLVBScVFZTkVZdk5yNDVxS19KWGlneUpwcUtqTDYteXRtel9ldzNsSzNBVzlpalR1dUw1Rk9JcTdQSzUtZnAtbVRWcWc4?oc=5) · American Banker
- 2025-10-13 [Financial execs form new bank in response to wave of mergers - Atlanta Business Chronicle - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS09FOEoydDJFWkttejNBT1hPV0Vac1Z1RmpkbjJoOU1hdGw1cHNaNjJJMmp5MnF2S3R6MEk4d0dUS3R3Ym1Yb25GTHdnb2J1QW4ydFZnYTM2N0QySmpjQm81ZFZNdTlJQTJmNWtqbG9EOVZycmFveEx0bzAwUVFWcEpFN2pqZC1YNngxQWh6NGx1X20xZWU4?oc=5) · The Business Journals
- 2025-10-13 [Veteran Banking Team Organizing Georgia Skyline Bank in North Fulton - citybiz](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOVkFGNzc2czZGU1p3UVBKeVBNMTM2OHlkNGpUbGxGWXNBTHBSZG9ELWhXTWRnNlRSM3hVZVRGaGRKeVhTbUhHNTkxUm1HcTJUVlUyd2hiTjhISGtmcGFWYnMxQmliMzRFMVB4dnlNVjZSS2FqYWxoWlNQY2RSZHVIeXE5NWw4SUtYaDJIb2JQUWlFaDBqak83Z0RQeFI3Yi13VlF1TTkxSjFZVkk?oc=5) · citybiz
- 2022-02-12 [Obituary for Essie Mae (Brown) Rice - Carlucci-Golden-DeSantis Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA1d3h2M0xORm0yY3ZySEJ5WW93bWdPTDF1b0NkLTE2dy01TkxGTlE4eC1rcXJXQ1lpazlBcTgxc2Vqam1UWDhiM1pFa013SG1aRnFsOE1oZVRXZnZ1SjN1Vnd3ajM?oc=5) · Carlucci-Golden-DeSantis Funeral Home
- 2014-07-17 [Funeral services for Judge Willard H. Chason are Saturday - The Cairo Messenger](https://news.google.com/rss/articles/CBMioAFBVV95cUxOQVRpdERFbDlzeG5LWGQ2SElRUXZCT3BLUHNSWlphTjR6TGhEQS1YeFFxWmtXZEY4bmwtZVFXNzh1SlRiemcxUUt5Q3VIVzFDRE5lVi1uYXp5UFRlSURxNW05OTRoZlBJN01NdzRRd0dVX1FkVUw3WUpqZlpzN2d6c3hhbEtXRmZXZXNXak5MdGZXWHlkSGxIU3RBeTZ5TkV2?oc=5) · The Cairo Messenger
- 2014-12-14 [Joseph L. Warner Obituary Dec 14, 2014 - Eckersell Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE1XdjNrTTJyU2Q0Q25icmdaRnBmOFBXbjJHa2l3eUUzUFdJQnJQNGp2dUFZUGhld2lUTWJDX0NSd0l5T3hGSnNJMVRLbWpEOXIzNkV6SjdQMjZFSmJRR0xNUlN3dHMyYkx0RFhraDZB?oc=5) · Eckersell Funeral Home
- 2018-04-10 [Inman Crutchfield Obituary - Jacksonville, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZkE5SlJ6MmY3U01Fd0Y3ZkpVT3pGU3BiZGNvWDA1emplckl0ekdsakZRdlJfODdDNDQ1dFZWeGNBbXI2U3g4UGduTWhVbjYzUnhFSlVzY3ctNW5LcHZIdUhidk9sZnBHSnJITHFaRE5oRU1YbklPTW9lY1lhNjNPOUQwTzBCTXhSYUU1VA?oc=5) · Dignity Memorial
- 2013-01-16 [Brandon Brinkley Obituary (2013) - New River Valley, VA - Roanoke Times - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPVWNvMFJPWFZ6WU9Dc3dEX2doNWFkLTJZWVRGOFR4WExaLW92bmVuTmtWcUdHZ2lZUGlDZDlSeTBUNi1RTVk4ZFhMQUExQXotM1F6cjdhUUV6YTQwNmZzQTc0eWlNTlQ4RGQxQkhsLWRDdnNPaGRWa1FCbFNWOVRCbm5PeWMyQ1JaRTU4a3RLWjA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35427 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/35.json (key "35427", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide