United National Bank (OTCMKTS:UNBK) operates as a regional community banking organization, providing a comprehensive suite of financial services to individuals and businesses. As the principal subsidiary of its holding company, the bank delivers traditional retail and commercial banking solutions through a network of branch offices and digital channels. Its core offerings include deposit accounts, lending products, trust and wealth management, cash management, and merchant services, designed to meet the diverse needs of both consumers and small- to mid-sized enterprises.
In its lending activities, United National Bank extends consumer and commercial mortgages, home equity lines of credit, business term loans, and revolving credit facilities. The bank’s deposit platform encompasses checking, savings, money market, and certificate of deposit accounts, complemented by online and mobile banking platforms that facilitate account access, bill payment, and remote deposit capture. Its wealth management division provides investment advisory, retirement planning, and trust administration services, while treasury management solutions support payroll processing, ACH origination, and fraud prevention for corporate clients.
Founded in the mid-1970s as a community-oriented institution, United National Bank has grown through both organic expansion and strategic acquisitions. Over the past several decades, the bank has broadened its geographic footprint across multiple states in the Southeastern and Mid-Atlantic regions. This growth has been underpinned by a commitment to local decision-making, personalized customer service, and reinvestment in the communities it serves. The bank maintains strong relationships with regional business associations, nonprofit organizations, and local chambers of commerce.
Leadership at United National Bank is spearheaded by Chief Executive Officer Susan M. Hart and Chief Financial Officer David L. Chen, supported by a board of directors composed of seasoned industry professionals. The management team emphasizes prudent risk management, corporate governance, and community engagement. Through ongoing philanthropic initiatives and financial literacy programs, the bank aims to foster economic development and promote financial well-being in its market areas.
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