TellerScore

UNICO Bank (FDIC certificate #10608) is based in Mineral Point, Missouri. Its Q2 2026 call report shows $502.6M in total assets and $456.6M in deposits and 15 offices across 2 states.

UNICO Bank has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 185th. Earnings contributes the most (74/100, 1.34%); loan quality contributes the least (15/100, 2.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.89%
Loan quality15/100
Noncurrent loans ÷ total loans: 2.55%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 88.2% · 10.0% uninsured
Problem-loan coverage57/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 21.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (54 → 47), mostly because the loan quality component weakened by 37 points.

TellerScore
475358Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202458
Q4 202458
Q1 202555
Q2 202554
Q3 202557
Q4 202557
Q1 202647
Q2 202647
Tier 1 leverage ratio
5.00%6.95%8.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.99%
Q3 20248.18%
Q4 20248.17%
Q1 20258.18%
Q2 20258.15%
Q3 20258.42%
Q4 20258.61%
Q1 20268.86%
Q2 20268.89%
Noncurrent loans
0.74%1.65%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.83%
Q3 20240.74%
Q4 20240.80%
Q1 20251.27%
Q2 20251.43%
Q3 20251.16%
Q4 20251.18%
Q1 20262.38%
Q2 20262.55%
Return on assets
0.75%1.04%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.85%
Q4 20240.93%
Q1 20250.98%
Q2 20251.21%
Q3 20251.17%
Q4 20251.11%
Q1 20261.13%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$502.6M8.89%2.55%1.34%88.2%
Q1 202647$497.3M8.86%2.38%1.13%89.7%
Q4 202557$504.7M8.61%1.18%1.11%88.8%
Q3 202557$505.8M8.42%1.16%1.17%90.1%
Q2 202554$514.0M8.15%1.43%1.21%87.4%
Q1 202555$518.5M8.18%1.27%0.98%86.1%
Q4 202458$507.4M8.17%0.80%0.93%88.8%
Q3 202458$498.3M8.18%0.74%0.85%93.4%
Q2 202455$495.6M7.99%0.83%0.75%95.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.89%
11th
Total risk-based capital13.04%
57th
Problem loans2.55%
8th
Net charge-offs0.11%
19th
Return on assets1.34%
55th
Net interest margin4.43%
76th
Efficiency ratio69.2%
32nd
Loans to deposits88.2%
30th
Uninsured deposits10.0%
93rd
Loan-loss reserves1.13%
43rd
Texas ratio21.7%
5th

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
People's Bank of SenecaBank Seneca, MO65 out of 100, Moderate$495.5M10.1%1.01%vs
The Bank of AdvanceBank Advance, MO81 out of 100, Strong$509.9M13.0%0.75%vs
The Callaway BankBank Fulton, MO67 out of 100, Moderate$511.5M10.1%0.78%vs
Connections BankBank Platte City, MO78 out of 100, Strong$516.6M9.8%0.00%vs
F & C BankBank Holden, MO78 out of 100, Strong$481.0M11.0%0.38%vs
First State Bank of St. Charles, MissouriBank St. Charles, MO85 out of 100, Very strong$535.2M15.6%0.40%vs

Deposit insurance

Is my money safe at UNICO Bank?

Yes. UNICO Bank is an FDIC-insured institution (FDIC certificate #10608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.0% of deposits ($45.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.89%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.04% (benchmark: 10%).

Check how much of your own balance is covered

15 locations

Branches

UNICO Bank lists 14 offices in 12 cities across 2 states. Most locations:

  • Jonesboro, AR (2)
  • Paragould, AR (2)
  • Bismarck, MO (1)
  • Desloge, MO (1)
  • Farmington, MO (1)
  • Harrisburg, AR (1)
  • Kennett, MO (1)
  • Lake City, AR (1)
  • Marked Tree, AR (1)
  • Mineral Point, MO (1)
  • Park Hills, MO (1)
  • Trumann, AR (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, UNICO Bank reported 150 home-loan applications under HMDA (LEI 254900UEAUWHP0CJXA09): 135 originated ($24,475,000 total), 8 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
UNICO Bank
Former names
Irondale Bank
Type
State-chartered bank
FDIC certificate #
10608
RSSD ID
975153
Primary regulator
FDIC
Holding company
Washco Bancshares Inc
Established
January 1, 1901
Headquarters
625 Veterans Dr, Mineral Point, MO 63660
Employees
123

Quick answers

UNICO Bank: common questions

Is UNICO Bank FDIC insured?

Yes. UNICO Bank is an FDIC-insured institution (FDIC certificate #10608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is UNICO Bank's TellerScore?

47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has UNICO Bank ever failed?

There is no failure record for FDIC certificate #10608 in the FDIC failed bank list.

How many branches does UNICO Bank have?

15 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Mineral Point

InstitutionScoreAssetsCapitalProblem loansCompare
New Era BankBank Fredericktown, MO95 out of 100, Very strong$453.1M14.0%0.02%vs
Ozarks Federal Savings and Loan AssociationBank Farmington, MO76 out of 100, Strong$277.2M15.1%0.95%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs
Belgrade State BankBank Belgrade, MO74 out of 100, Strong$548.0M10.1%0.35%vs
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs
Great Southern BankBank Reeds Spring, MO73 out of 100, Strong$5.5B11.3%0.02%vs