C
UNICO Bank
Rating Date
October 2025
Risk Based
Capital Ratio
12.41
Leverage
Ratio
8.15
Return On
Assets
1.19%
Total
Assets
514.03M
Capital
40.83M
Total
Deposits
470.73M
Net
Income
3.11M
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Weiss Ratings UNICO Bank
Mineral Point, MO 		Click to
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Rating C
Asset Quality Index 4.00
Capitalization Index 6.10
Liquidity Index 0.60
Profitability Index 4.60
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 3.71%
5-Year Asset Growth 10.01%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 1.25%
Non-Performing Loans to Capital 13.45%
Non-Performing Loans to Loans 1.55%
Balance Sheet UNICO Bank
Mineral Point, MO 		Click to
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Total Assets 514.03M
Total Deposits 470.73M
Capital and Reserves UNICO Bank
Mineral Point, MO 		Click to
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Capital 40.83M
Leverage Ratio 8.15
Loan Loss Reserves to Loans 0.85%
Risk-Based Capital Ratio 12.41
Liquidity UNICO Bank
Mineral Point, MO 		Click to
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Hot Money Ratio 30.80%
Liquidity Ratio 14.80%
Profitability UNICO Bank
Mineral Point, MO 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 3.11M
Net Interest Spread 3.99%
Operating Profit to Average Assets 1.19%
Overhead Efficiency Ratio 68.96%
Return on Assets 1.19%
Return on Equity 15.51%