C
UNICO Bank
Rating Date
March 2026
Risk Based
Capital Ratio
12.50
Leverage
Ratio
8.61
Return On
Assets
1.10%
Total
Assets
504.72M
Capital
43.24M
Total
Deposits
459.20M
Net
Income
5.67M
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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 6.60
Liquidity Index 0.60
Profitability Index 4.40
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 -0.53%
5-Year Asset Growth 6.76%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.12%
Non-Performing Assets to Assets 1.01%
Non-Performing Loans to Capital 10.33%
Non-Performing Loans to Loans 1.23%
Balance Sheet UNICO Bank
Mineral Point, MO 		Click to
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Total Assets 504.72M
Total Deposits 459.20M
Capital and Reserves UNICO Bank
Mineral Point, MO 		Click to
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Capital 43.24M
Leverage Ratio 8.61
Loan Loss Reserves to Loans 1.06%
Risk-Based Capital Ratio 12.50
Liquidity UNICO Bank
Mineral Point, MO 		Click to
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Hot Money Ratio 29.77%
Liquidity Ratio 14.26%
Profitability UNICO Bank
Mineral Point, MO 		Click to
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5-Year Return on Average Assets 0.85%
Net Income 5.67M
Net Interest Spread 4.17%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 69.51%
Return on Assets 1.10%
Return on Equity 13.83%