Side-by-side · Q2 2026 data
UNICO Bank vs Belgrade State Bank
Metric by metric
| Measure | UNICO Bank | Belgrade State Bank |
|---|---|---|
| TellerScore | 47 | 74 (stronger) |
| Capital cushion | 39 | 51 (stronger) |
| Loan quality | 15 | 88 (stronger) |
| Earnings | 74 | 83 (stronger) |
| Funding & liquidity | 72 (stronger) | 70 |
| Problem-loan coverage | 57 | 92 (stronger) |
| Peer percentile | 5th | 57th |
| Total assets | $502.6M | $548.0M |
| Deposits / shares | $456.6M | $495.3M |
| Capital ratio | 8.89% | 10.13% (stronger) |
| Problem loans | 2.55% | 0.35% (stronger) |
| Net charge-offs | 0.11% | 0.08% (stronger) |
| Return on assets | 1.34% | 1.58% (stronger) |
| Loans ÷ deposits | 88.2% | 82.3% (stronger) |
| Uninsured deposits | 10.0% (stronger) | 21.6% |
| Offices | 14 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | — |
Belgrade State Bank has the higher TellerScore (74 vs 47). On the 7 directional measures above (where higher or lower is clearly better), UNICO Bank leads on 1 and Belgrade State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Desloge, MO
- Farmington, MO