C
UNICO Bank
Rating Date
June 2025
Risk Based
Capital Ratio
11.84
Leverage
Ratio
8.18
Return On
Assets
0.97%
Total
Assets
518.52M
Capital
40.25M
Total
Deposits
476.13M
Net
Income
1.26M
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Weiss Ratings UNICO Bank
Mineral Point, MO 		Click to
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Rating C
Asset Quality Index 4.20
Capitalization Index 6.20
Liquidity Index 0.70
Profitability Index 4.00
Stability Index 5.50
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 8.03%
5-Year Asset Growth 10.01%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 1.11%
Non-Performing Loans to Capital 11.48%
Non-Performing Loans to Loans 1.39%
Balance Sheet UNICO Bank
Mineral Point, MO 		Click to
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Total Assets 518.52M
Total Deposits 476.13M
Capital and Reserves UNICO Bank
Mineral Point, MO 		Click to
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Capital 40.25M
Leverage Ratio 8.18
Loan Loss Reserves to Loans 0.80%
Risk-Based Capital Ratio 11.84
Liquidity UNICO Bank
Mineral Point, MO 		Click to
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Hot Money Ratio 31.28%
Liquidity Ratio 15.74%
Profitability UNICO Bank
Mineral Point, MO 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 1.26M
Net Interest Spread 3.84%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 73.20%
Return on Assets 0.97%
Return on Equity 12.71%