BlastPoint's Banking Scorecard

UNICO Bank

Community Specialty: Commercial MO FDIC cert 10608

Mineral Point, MO

1484 banks in Community tier nationally 62 in MO

View Community leaderboard (MO) →

UNICO Bank faces 1 concern requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 39% in Community

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Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$504.7M -0.5% YoY -0.2% QoQ	-$886.7M	$1.4B +2.0% YoY	$1.5B +13.3% YoY	$5.9B +6.5% YoY	Bottom 1% in tier
Total Loans ?	$407.8M -1.5% YoY -1.0% QoQ	-$567.6M	$975.5M +2.4% YoY	$962.2M +12.2% YoY	$3.1B +8.5% YoY	16%
Total Deposits ?	$459.2M -1.6% YoY +0.4% QoQ	-$705.4M	$1.2B +1.7% YoY	$1.3B +12.4% YoY	$4.7B +6.3% YoY	Bottom 7% in tier
Return on Assets ?	1.11% +19.0% YoY -5.0% QoQ	-0.05%	1.16% +17.2% YoY	1.34% +11.8% YoY	1.12% +15.6% YoY	49%
Net Interest Margin ?	4.26% +10.1% YoY +1.5% QoQ	+0.59%	3.66% +9.1% YoY	3.96% +8.2% YoY	3.75% +7.1% YoY	80%
Efficiency Ratio ?	69.27% -8.3% YoY +0.6% QoQ	+6.64%	62.63% -5.3% YoY	60.96% -4.9% YoY	65.09% -5.1% YoY	28%
Delinquency Rate ?	1.19% +48.7% YoY +1.6% QoQ	+0.56%	0.63% +18.3% YoY	0.68% +40.2% YoY	0.66% +20.3% YoY	21%
Loan-to-Deposit Ratio ?	88.82% +0.1% YoY -1.4% QoQ	+5.75%	83.06% +0.3% YoY	81.02% +1.1% YoY	78.04% +0.7% YoY	62%
Non-Interest-Bearing Deposit Share ?	25.47% +9.3% YoY +5.7% QoQ	+4.43%	21.05% -0.9% YoY	21.00% +0.9% YoY	21.79% -1.3% YoY	71%
Nonperforming Asset Ratio ?	0.97% +47.9% YoY -0.1% QoQ	+0.47%	0.50% +20.3% YoY	0.56% +46.7% YoY	0.48% +20.8% YoY	20%
Tier 1 Capital Ratio ?	11.34% +5.9% YoY -1.7% QoQ	+1.09%	10.24% -0.6% YoY	8.09% -3.5% YoY	9.75% -1.9% YoY	40%
Non-Interest Income / Assets ?	0.76% -2.4% YoY +33.0% QoQ	+0.02%	0.74% -1.3% YoY	0.63% +2.3% YoY	0.65% +0.6% YoY	75%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Flatlined Growth

risk

#97 of 245 · Bottom 39% in Community

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.11%

(Tier: 1.16%, National: 1.12%)

worse than tier avg

245 of 245 Community banks match · 308 nationally

↓ Shrinking -35 banks QoQ | QoQ rank improving

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Net Interest Margin

Current: 4.26% · Tier avg: 3.66%

80th pctile

Non-Interest Income / Assets

Current: 0.76% · Tier avg: 0.74%

75th pctile

Non-Interest-Bearing Deposit Share

Current: 25.47% · Tier avg: 21.05%

71th pctile

Loan-to-Deposit Ratio

Current: 88.82% · Tier avg: 83.06%

62th pctile

Return on Assets

Current: 1.11% · Tier avg: 1.16%

49th pctile

Tier 1 Capital Ratio

Current: 11.34% · Tier avg: 10.24%

40th pctile

Efficiency Ratio

Current: 69.27% · Tier avg: 62.63%

28th pctile

Delinquency Rate

Current: 1.19% · Tier avg: 0.63%

21th pctile

Nonperforming Asset Ratio

Current: 0.97% · Tier avg: 0.50%

20th pctile

Total Loans

Current: $407.8M · Tier avg: $975.5M

16th pctile

Total Deposits

Current: $459.2M · Tier avg: $1.2B

7th pctile

Total Assets

Current: $504.7M · Tier avg: $1.4B

1th pctile

Top Weaknesses