BlastPoint's Banking Scorecard
United National Bank
Micro
Specialty: Agricultural
GA
FDIC cert 35427
Designations: ✓ Community bank
Cairo, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
United National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.17% above tier
- + Tier 1 Capital Ratio 13.61% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.31% above tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.1M
+8.7% YoY
+0.1% QoQ
|
+$94.6M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$226.2M
+3.2% YoY
-2.0% QoQ
|
+$87.0M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$257.3M
+11.3% YoY
-0.2% QoQ
|
+$73.6M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.46%
-6.2% YoY
-0.2% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
5.03%
-3.3% YoY
-0.6% QoQ
|
+1.17% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
57.87%
+9.8% YoY
-0.4% QoQ
|
-9.86% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
1.42%
+686.1% YoY
+50.5% QoQ
|
+0.78% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
87.92%
-7.3% YoY
-1.8% QoQ
|
+13.39% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
13.81%
+4.9% YoY
+3.1% QoQ
|
-8.58% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.76%
+21.4% YoY
+18.7% QoQ
|
+1.31% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
22.47%
+1.9% YoY
+1.9% QoQ
|
+13.61% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.02%
-92.8% YoY
|
-0.54% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.03%
(Tier avg: 3.85%, National avg: 3.75%)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.47%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.76%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.47% · Tier avg: 8.85%
80
80th pctile
Total Loans
Current: $226.2M · Tier avg: $139.2M
74
74th pctile
Total Assets
Current: $312.1M · Tier avg: $217.5M
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
73
73th pctile
Efficiency Ratio
Current: 57.87% · Tier avg: 67.73%
73
73th pctile
Total Deposits
Current: $257.3M · Tier avg: $183.7M
27
27th pctile
Loan-to-Deposit Ratio
Current: 87.92% · Tier avg: 74.53%
20
20th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.64%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.81% · Tier avg: 22.39%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.81% · Tier avg: 22.39%
20
20th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.64%
27
27th pctile
Loan-to-Deposit Ratio
Current: 87.92% · Tier avg: 74.53%
73
73th pctile
Total Deposits
Current: $257.3M · Tier avg: $183.7M
73
73th pctile
Efficiency Ratio
Current: 57.87% · Tier avg: 67.73%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
74
74th pctile
Total Assets
Current: $312.1M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $226.2M · Tier avg: $139.2M
90
90th pctile
Tier 1 Capital Ratio
Current: 22.47% · Tier avg: 8.85%
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%