Unico Bank
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Data as of · sourced from FFIEC call reports. How we update
Unico Bank is an FDIC-insured commercial bank headquartered in Mineral Point, MO, established in 1901 (FDIC certificate 10608), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $502.6M, down 2.2% from Q2 2025, the 71st largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 11.80% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10608
- Headquarters
- Mineral Point, MO
- Established
- 1901
- Total assets, Q2 2026
- $502.6M
- Assets vs Q2 2025
- -2.2%
- CET1 ratio, Q2 2026
- 11.80%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 081910436
- Holding company
- WASHCO BANCSHARES, INC.
- Asset rank in state
- 71st of 191 in Missouri
Problem loans are rising at Unico Bank. The Mineral Point, Missouri bank had $503 million in assets at June 30, 2026, down 2.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.42% of loans from 1.43% a year earlier. It carries problem assets equal to 21.4% of the capital and reserves that would absorb them, 8.1 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also lost 3.0% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Where it has less room is capital: it funds 8.89% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Unico Bank reported a CET1 capital ratio of 11.80%, a return on assets of 1.54%, a nonperforming-loan ratio of 2.55% and a Texas ratio of 21.43%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Unico Bank is the 71st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.1% to $502.6M, loans fell 0.1% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.4% of total loans, ahead of owner-occupied commercial real estate loans at 14.7%. The FDIC Summary of Deposits lists 15 offices for it, in 12 cities across 2 states; its Paragould 3 offices book 17% of its branch deposits. By the capital ratios in its Q2 2026 call report, Unico Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 625 Veterans Dr, Mineral Point, MO 63660
- County
- Washington
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1901
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 123
- Domestic deposits
- $456.6M
- Allowance for credit losses
- $4.6M
- Net charge-offs (YTD)
- $226K
- Average total assets
- $503.2M
- Average total loans
- $407.6M
- Average interest-bearing deposits
- $342.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10608
- Fed RSSD
- 975153
- Website
- www.unicobank.com →
- Parent Holding Company
- WASHCO BANCSHARES, INC. (RSSD 1119525)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Unico Bank's total assets ranged from $466.6M (Q3 2023) to $518.5M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$502.6M total assets against $514.0M; $459.1M total liabilities against $473.2M.
$402.7M net loans and leases against $411.3M; $456.6M total deposits against $470.7M.
$64.3M securities against $65.1M; $18.8M cash and balances due against $20.6M.
$7.5M total interest income against $7.9M; $2.2M total interest expense against $2.7M.
$5.3M net interest income against $5.2M.
$963K total noninterest income against $965K; $4.1M total noninterest expense against $4.0M.
$229K provision for credit losses against $287K.
$1.9M net income against $1.8M.
1.54% return on assets against 1.41%; 4.43% net interest margin against 4.13%.
11.80% CET1 capital ratio against 11.43%; 8.89% tier 1 leverage ratio against 8.15%.
Inside the full Unico Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Unico Bank rankings
Its closest position to the top of a national ranking is 144 of 3,640, for Texas Ratio; its furthest is 1,775 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.93% (Q4 2025) to 1.54% (Q2 2026) and its net interest margin ran from 3.84% (Q1 2025) to 4.43% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.80% | 1.54% | 2.55% | 21.43% | 4.43% |
| Q1 2026 | 11.73% | 1.13% | 2.38% | 20.29% | 4.32% |
| Q4 2025 | 11.34% | 0.93% | 1.18% | 10.74% | 4.39% |
| Q3 2025 | 11.53% | 1.08% | 1.16% | 11.26% | 4.33% |
| Q2 2025 | 11.43% | 1.41% | 1.43% | 13.98% | 4.13% |
| Q1 2025 | 10.95% | 0.97% | 1.27% | 12.58% | 3.84% |
| Q4 2024 | 10.71% | 1.16% | 0.80% | 8.30% | 4.02% |
| Q3 2024 | 10.10% | 1.03% | 0.74% | 7.98% | 3.95% |
Swipe the table sideways to see every column.
Branch Network
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Kennett Branch | Kennett , MO | 63857 | $55.4M |
| Unico Bank (main office) | Mineral Point , MO | 63660 | $55.3M |
| Harrisburg Branch | Harrisburg , AR | 72432 | $54.9M |
| Paragould Branch | Paragould , AR | 72450 | $52.7M |
| Farmington Branch | Farmington , MO | 63640 | $44.8M |
| Unico Bank - Lake City Office | Lake City , AR | 72437 | $35.4M |
| Park Hills Branch | Park Hills , MO | 63601 | $28.6M |
| Bismarck Branch | Bismarck , MO | 63624 | $23.3M |
| Linwood Drive Branch | Paragould , AR | 72450 | $23.2M |
| Trumann Branch | Trumann , AR | 72472 | $19.3M |
| Marked Tree Branch | Marked Tree , AR | 72365 | $17.9M |
| Hilltop Branch | Jonesboro , AR | 72405 | $17.0M |
| Jonesboro - Southwest Drive Branch | Jonesboro , AR | 72401 | $16.3M |
| Desloge Branch | Desloge , MO | 63601 | $11.6M |
| Reynolds Road Branch | Paragould , AR | 72450 | $754K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 15, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 2000 | Structure Change | Acquired UNICO Bank, Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 139 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 150 applications, 135 loans originated, $24.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $385K approved, $385K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Unico Bank
What are Unico Bank's total assets?
As of the Q2 2026 filing, Unico Bank reported total assets of $502.6 million in its FFIEC call report.
Where is Unico Bank headquartered?
It is headquartered in Mineral Point, MO, United States.
When was Unico Bank founded?
It was established in 1901, per the FDIC institution directory.
Is Unico Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Unico Bank?
Unico Bank's primary federal regulator is the FDIC.
What is Unico Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does Unico Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Unico Bank's Texas Ratio?
Its Texas Ratio is 21.43% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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