Side-by-side · Q2 2026 data
UNICO Bank vs First State Bank of St. Charles, Missouri
Bank
First State Bank of St. Charles, Missouri
St. Charles, Missouri · $100 million – $1 billion
Metric by metric
| Measure | UNICO Bank | First State Bank of St. Charles, Missouri |
|---|---|---|
| TellerScore | 47 | 85 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 15 | 87 (stronger) |
| Earnings | 74 | 87 (stronger) |
| Funding & liquidity | 72 (stronger) | 43 |
| Problem-loan coverage | 57 | 96 (stronger) |
| Peer percentile | 5th | 88th |
| Total assets | $502.6M | $535.2M |
| Deposits / shares | $456.6M | $400.8M |
| Capital ratio | 8.89% | 15.65% (stronger) |
| Problem loans | 2.55% | 0.40% (stronger) |
| Net charge-offs | 0.11% | -0.00% (stronger) |
| Return on assets | 1.34% | 1.67% (stronger) |
| Loans ÷ deposits | 88.2% (stronger) | 106.1% |
| Uninsured deposits | 10.0% (stronger) | 25.3% |
| Offices | 14 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | — |
First State Bank of St. Charles, Missouri has the higher TellerScore (85 vs 47). On the 7 directional measures above (where higher or lower is clearly better), UNICO Bank leads on 2 and First State Bank of St. Charles, Missouri on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.