Side-by-side · Q2 2026 data
UNICO Bank vs First State Community Bank
Metric by metric
| Measure | UNICO Bank | First State Community Bank |
|---|---|---|
| TellerScore | 47 | 73 (stronger) |
| Capital cushion | 39 | 67 (stronger) |
| Loan quality | 15 | 64 (stronger) |
| Earnings | 74 | 93 (stronger) |
| Funding & liquidity | 72 (stronger) | 61 |
| Problem-loan coverage | 57 | 87 (stronger) |
| Peer percentile | 5th | 70th |
| Total assets | $502.6M | $4.5B |
| Deposits / shares | $456.6M | $3.8B |
| Capital ratio | 8.89% | 11.68% (stronger) |
| Problem loans | 2.55% | 1.07% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.12% |
| Return on assets | 1.34% | 1.82% (stronger) |
| Loans ÷ deposits | 88.2% (stronger) | 90.4% |
| Uninsured deposits | 10.0% (stronger) | 23.0% |
| Offices | 14 | 48 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.5% | 15.4% |
First State Community Bank has the higher TellerScore (73 vs 47). On the 7 directional measures above (where higher or lower is clearly better), UNICO Bank leads on 3 and First State Community Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Farmington, MO
- Park Hills, MO
- Desloge, MO
- Kennett, MO