C
UNICO Bank
Rating Date
October 2025
Risk Based
Capital Ratio
12.58
Leverage
Ratio
8.42
Return On
Assets
1.16%
Total
Assets
505.77M
Capital
41.84M
Total
Deposits
457.29M
Net
Income
4.49M
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Weiss Ratings UNICO Bank
Mineral Point, MO 		Click to
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Rating C
Asset Quality Index 4.30
Capitalization Index 6.40
Liquidity Index 0.50
Profitability Index 4.80
Stability Index 3.70
Company Info UNICO Bank
Mineral Point, MO 		Click to
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FDIC Number 10608
Phone Number (573) 438-5421
Website www.unicobank.com
Asset Quality UNICO Bank
Mineral Point, MO 		Click to
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1-Year Asset Growth 1.49%
5-Year Asset Growth 10.01%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.13%
Non-Performing Assets to Assets 1.09%
Non-Performing Loans to Capital 10.35%
Non-Performing Loans to Loans 1.31%
Balance Sheet UNICO Bank
Mineral Point, MO 		Click to
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Total Assets 505.77M
Total Deposits 457.29M
Capital and Reserves UNICO Bank
Mineral Point, MO 		Click to
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Capital 41.84M
Leverage Ratio 8.42
Loan Loss Reserves to Loans 0.92%
Risk-Based Capital Ratio 12.58
Liquidity UNICO Bank
Mineral Point, MO 		Click to
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Hot Money Ratio 30.32%
Liquidity Ratio 13.77%
Profitability UNICO Bank
Mineral Point, MO 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 4.49M
Net Interest Spread 4.10%
Operating Profit to Average Assets 1.16%
Overhead Efficiency Ratio 69.07%
Return on Assets 1.16%
Return on Equity 14.78%