Unico Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Unico Bank of Mineral Point, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.54% | 1.35% | +0.19% | 65th above |
| ROAE | 17.91% | 12.05% | +5.86% | 80th top |
| Net Interest Margin | 4.43% | 3.90% | +0.53% | 76th top |
| Efficiency Ratio | 65.40% | 63.15% | +2.25% | 38th below |
| PPNR / Avg Assets | 1.71% | 1.64% | +0.07% | 57th above |
| Yield on Earning Assets | 6.25% | 5.65% | +0.60% | 79th top |
| Cost of Funds | 1.92% | 1.85% | +0.07% | 42nd below |
| Net Interest Spread | 3.67% | 3.35% | +0.32% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.59% | 0.92% | +1.67% | 9th bottom |
| NPA / Total Assets | 2.11% | 0.67% | +1.44% | 7th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 92nd top |
| ACL / Total Loans | 1.13% | 1.28% | -0.15% | 42nd below |
| ACL / NPLs (Coverage) | 43.85% | 1645.82% | -1601.97% | 8th bottom |
| Texas Ratio | 22.89% | 7.14% | +15.75% | 6th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 211.06% | 1189.79% | -978.73% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.80% | 20.84% | -9.04% | 15th bottom |
| Tier 1 Ratio | 11.80% | 20.87% | -9.07% | 15th bottom |
| Total Capital Ratio | 13.04% | 21.94% | -8.90% | 17th bottom |
| Leverage Ratio | 8.89% | 12.46% | -3.57% | 11th bottom |
| Equity / Assets | 8.66% | 11.67% | -3.01% | 22nd bottom |
| TCE / Tangible Assets | 8.31% | 11.40% | -3.09% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.20% | 78.64% | +10.56% | 30th below |
| Core Deposit Ratio | 92.18% | 87.09% | +5.09% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.22% | 6.48% | -8.70% | 10th bottom |
| Loan Growth (Y/Y) | -1.82% | 7.64% | -9.46% | 16th bottom |
| Deposit Growth (Y/Y) | -3.00% | 6.03% | -9.03% | 10th bottom |
See Unico Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Unico Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Unico Bank profile, how to read a UBPR, or how this data updates.