UNICO BANK

MINERAL POINT, MO | Medium | Est. Jan. 1, 1901, midnight | FDIC #10608 | RSSD #975153 | FDIC
Latest Report: 2025-12-31

UNICO BANK is amn medium FDIC-insured commercial bank headquartered in MINERAL POINT, MO, established in Jan. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $505M and total deposits of $459M. Profitability stands at 0.94% ROA and 11.13% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 11.34%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.18% and a Texas Ratio of 10.30%. FDIC Certificate #10608.

Assets

$505M

Deposits

$459M

Loans

$412M

Equity

$43M

Profitability

Return on Assets (ROA) 0.94%
Return on Equity (ROE) 11.13%
Net Interest Margin (NIM) 4.58%
Yield on Assets 6.70%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 1.18%
Net Charge-Off Ratio 0.12%
Texas Ratio 10.30%
NPA Ratio 0.97%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 11.34%
Tier 1 Capital 11.34%
Total Capital Ratio 12.50%
Leverage Ratio 8.61%
Loan-to-Deposit 89.77%

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