What is UNICO Bank's financial health grade?

UNICO Bank has a TFS Financial Health Grade of C- (score: 70.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does UNICO Bank have?

UNICO Bank has 15 branch locations across the United States.

Is UNICO Bank FDIC insured?

Yes, UNICO Bank is FDIC insured (Certificate #10608).

What are the total assets of UNICO Bank?

UNICO Bank has total assets of $504.7M as reported in its most recent FDIC filing.

UNICO Bank

BankMineral Point, Missouri

www.unicobank.com

Total Assets

$504.7M

Total Deposits

$459.2M

Branches

Established

1901

TFS Health Grade

C-

70.5 / 100

Average financial health

How we grade

UNICO Bank is a bank headquartered in Mineral Point, Missouri, established in 1901. With $504.7M in total assets and 15 branch locations, it has a TFS Financial Health Grade of C- (70.5/100).

Capital & Safety

Tier 1 Capital Ratio

8.61%(8%)

Total Capital Ratio

12.50%(10%)

Non-Performing Loan Ratio

1.18%

Profitability

Return on Assets (ROA)

1.11%(1%)

Return on Equity (ROE)

13.82%(10%)

Net Interest Margin

4.26%

Efficiency Ratio

69.27%(60%)

Lending & Liquidity

Total Loans

$412.2M

Loan-to-Deposit Ratio

88.82%

Net Charge-Off Ratio

0.11%

Growth

Asset Growth (YoY)

-0.53%

Deposit Growth (YoY)

-1.56%

Net Income

$5.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
UNICO BankHQ	625 Veterans Dr	Mineral Point	MO	11
UNICO Bank	1100 N Illinois St	Harrisburg	AR	11
UNICO Bank	3513 E Johnson Ave	Jonesboro	AR	11
UNICO Bank	2702 South Culberhouse Street	Jonesboro	AR	11
UNICO Bank	100 Cobean Blvd	Lake City	AR	11
UNICO Bank	210 Frisco St	Marked Tree	AR	11
UNICO Bank	1908 Linwood Dr	Paragould	AR	11
UNICO Bank	506 W Kings Hwy	Paragould	AR	11
UNICO Bank	201 Reynolds Rd	Paragould	AR	11
UNICO Bank	514 Industrial Park Dr	Trumann	AR	11
UNICO Bank	1001 Cedar St	Bismarck	MO	11
UNICO Bank	400 N State St	Desloge	MO	11
UNICO Bank	755 Weber Rd	Farmington	MO	11
UNICO Bank	1115 Independence Ave	Kennett	MO	11
UNICO Bank	1000 E Main St	Park Hills	MO	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.