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Unico Bank
Mineral Point, MO · FDIC Certificate #10608 · Chartered 01/0
Total assets
$502.64M
Total deposits
$456.61M
Total equity
$43.54M
Net loans
$402.68M
Branches (offices)
15
Net income (YTD)
$3.36M
Rank: #1,780 of 4,213 U.S. banks by assets · #71 of 190 in Missouri. Assets changed -2.2% and deposits -3.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.34% |
| Return on equity | 15.52% |
| Net interest margin (YTD) | 4.43% |
| Equity to assets | 8.66% |
| Tier 1 leverage ratio | 8.89% |
| Uninsured deposits (share of deposits) | 10.0% |
| Noncurrent loans (share of loans) | 2.55% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 88.2% |
| Real estate loans (share of loans) | 86.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $346.56M | 86.1% | |
| Commercial & industrial | $32.70M | 8.1% | |
| Consumer / individual | $17.52M | 4.4% | |
| Construction & development | $44.61M | 11.1% | |
| Agricultural | $9.67M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $428.94M | $393.60M | $2.11M | $34.05M |
| Jun 2023 | $457.11M | $415.67M | $1.43M | $34.62M |
| Jun 2024 | $495.64M | $447.51M | $1.82M | $36.09M |
| Jun 2025 | $514.03M | $470.73M | $3.11M | $40.83M |
| Jun 2026 | $502.64M | $456.61M | $3.36M | $43.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $237.55M | 9 |
| Missouri | $219.06M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $456.61M.
Similar-sized banks
First Electronic Bank ($502.86M) · Ambler Savings Bank ($502.30M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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