Unico Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.43 percentage points lower than in Q1 2026, at 89.20%. Within Missouri, Unico Bank is 87th of 192 on return on assets, 1.54% as of Q2 2026, above the middle of the field. Unico Bank reported 1.54% on return on assets for Q2 2026, 0.29 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.80% |
| Tier 1 risk-based capital ratio | 11.80% |
| Total risk-based capital ratio | 13.04% |
| Tier 1 leverage ratio | 8.89% |
| Equity capital to assets | 8.66% |
| Tangible equity to tangible assets | 8.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.59% |
| Non-performing assets ratio | 2.11% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 22.89% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 43.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 17.91% |
| Net interest margin | 4.43% |
| Efficiency ratio | 65.40% |
| Yield on earning assets | 6.25% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.20% |
| Core deposits to total deposits | 92.18% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.84% |
| Securities to assets | 12.80% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 9.98% | 9.98% | 11.23% | 8.22% | 0.49% |
| Q4 2023 | 9.93% | 9.93% | 10.68% | 8.16% | 0.52% |
| Q1 2024 | 9.89% | 9.89% | 10.68% | 8.15% | 0.56% |
| Q2 2024 | 9.66% | 9.66% | 10.45% | 7.99% | 0.93% |
| Q3 2024 | 10.10% | 10.10% | 10.89% | 8.18% | 1.03% |
| Q4 2024 | 10.71% | 10.71% | 11.54% | 8.17% | 1.16% |
| Q1 2025 | 10.95% | 10.95% | 11.84% | 8.18% | 0.97% |
| Q2 2025 | 11.43% | 11.43% | 12.41% | 8.15% | 1.41% |
| Q3 2025 | 11.53% | 11.53% | 12.58% | 8.42% | 1.08% |
| Q4 2025 | 11.34% | 11.34% | 12.50% | 8.61% | 0.93% |
| Q1 2026 | 11.73% | 11.73% | 12.91% | 8.86% | 1.13% |
| Q2 2026 | 11.80% | 11.80% | 13.04% | 8.89% | 1.54% |
Unico Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Unico Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Unico Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10608) · FFIEC NIC profile (RSSD 975153)