Bank Comparison
Missouri Bank, the vs Unico Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 7
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Missouri Bank, the | Unico Bank |
|---|---|---|
| CET1 Ratio | — | 11.73% |
| Tier 1 Capital Ratio | — | 11.73% |
| Total Capital Ratio | — | 12.91% |
| Tier 1 Leverage Ratio | 12.28% | 8.86% |
| Equity / Assets | 11.72% | 8.64% |
Profitability
| Metric | Missouri Bank, the | Unico Bank |
|---|---|---|
| Return on Assets (ROA) | 2.11% | 1.13% |
| Return on Equity (ROE) | 18.50% | 13.18% |
| Net Interest Margin (NIM) | 3.91% | 4.32% |
| Yield on Earning Assets | 5.57% | 6.19% |
| Cost of Funds | 1.77% | 1.98% |
Asset quality
| Metric | Missouri Bank, the | Unico Bank |
|---|---|---|
| Texas Ratio | 0.70% | 21.93% |
| Non-Performing Loan Ratio | 0.03% | 2.43% |
| Non-Performing Asset Ratio | 0.02% | 2.00% |
| Net Charge-Off Ratio | 0.00% | 0.25% |
| ACL / Loans | 1.23% | 1.07% |
Balance sheet
| Metric | Missouri Bank, the | Unico Bank |
|---|---|---|
| Total Assets | $474,299K | $497,269K |
| Total Deposits | $418,053K | $449,846K |
| Total Loans | $314,424K | $407,719K |
| Total Equity | $55,589K | $42,982K |
| Net Income (quarter) | $2,554K | $1,420K |
Liquidity & funding
| Metric | Missouri Bank, the | Unico Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 75.21% | 90.64% |
| Core Deposit Ratio | 95.63% | 92.60% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Missouri Bank, the | Unico Bank |
|---|---|---|
| Headquarters City | WARRENTON | MINERAL POINT |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 7 | 15 |
| Employees (FTE) | 70 | 116 |
| Established | Jan. 1, 1934, midnight | Jan. 1, 1901, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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