# UNICO BANK
MINERAL POINT, MO · FDIC certificate 10608 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $502.6M | |
| Deposits | $456.6M | |
| Loans and leases | $407.3M | |
| Total equity | $43.5M | |
| Loans / deposits | 88.19% (p67 of band) | 82.04% |
| Liquid assets / assets | 16.54% (p20 of band) | |
| Uninsured deposits / deposits | 10.00% (p5 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.89% (p11 of band) | 10.81% |
| Unrealized securities loss / equity | -6.98% (p54 of band) | -8.10% |
| AOCI / equity | -1.15% (p19 of band) | |
| ROA (annualized) | 1.34% (p54 of band) | 1.28% |
| Net interest margin | 4.43% (p79 of band) | 3.91% |
| Efficiency ratio | 69.24% (p71 of band) | |
| Noncurrent loans | 2.55% (p92 of band) | 0.43% |
| Net charge-offs (annualized) | 0.09% (p83 of band) | |
| Reserve coverage of noncurrent | 44.49% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 102.45% (p87 of band) | |
| Auto loans | $10.3M (2.53% of loans; DQ 4.33%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.0% | |
| Employees | 123 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 3 | capital falling, reserve under noncurrent |  |
| 2013-12 | 4 | securities losses >30% of equity |  |
| 2014-03 | 2 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 0 |  | capital falling, reserve under noncurrent |
| 2014-09 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 1 |  | noncurrent p90 |
| 2018-09 | 4 | capital falling, noncurrent p90, construction >100% equity |  |
| 2018-12 | 4 | expense ratio p90 | construction >100% equity |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 4 | construction >100% equity |  |
| 2019-09 | 4 | capital falling | construction >100% equity |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 | charge-offs p90 | expense ratio p90, capital falling |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 4 | construction >100% equity |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 | charge-offs p90 | capital falling |
| 2021-12 | 1 |  | noncurrent p90, construction >100% equity, charge-offs p90 |
| 2022-03 | 2 | construction >100% equity |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | capital falling, charge-offs p90 |  |
| 2023-06 | 2 |  | capital falling, charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | capital falling |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 5 | noncurrent p90, charge-offs p90, deposits shrinking |  |
| 2026-06 | 3 |  | charge-offs p90, deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-01-22 [RiverBank Buys Into Paragould - Arkansas Business](https://news.google.com/rss/articles/CBMie0FVX3lxTE9rZ2xMQmJXak9hWU9kQjlNSEowY2hvWTNzNEFDdkthZXRPYjZkNy1Gc05qRTdVS2NPUHVhR0pISk9GUUxmY3hVTXBTMzB0UDNHWHlBOGpnQmlENEtSOUQyTDZuN3ZHUmxBeHdCSTVpc2o3Zlg3OThMMWVMaw?oc=5) · Arkansas Business
- 2025-11-13 [A-State Men’s Basketball Unveils 2025-26 Non-Conference Themes & Promotional Schedule - Arkansas State Red Wolves](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPczlIUEY4ZWd0ajN2QVZQSFJzLUZiazE5ZFNPOW8yMTlySXNUbHhqOTE0VXdld3N5S25YVl9ySUxsM2JrRzB0MlZsd0tlWXJjcXNfY1hQSWNQNVBLZVpDV1ZkNXBjS0xhbThXTWNSX1psdmFvLWtNN2xZaDZkSmJrNEtmd0xINWVIMjN6ZHI3OGdMdG5mTzZNNkhLamNSUGhsU1lPQmVfLVRMN2NTOXI0TVpvLXNUSTF1RlF4STNXVjMzUkI2U0wyUjg2cVpKelQ5eWJGZVcyMUNKRldDRWJzMQ?oc=5) · Arkansas State Red Wolves
- 2025-08-15 [Ruthie Mosier Obituary Aug 15, 2025 - C.Z. Boyer & Son Funeral Homes](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBEN3labG44YThzVG9UWTloMVRpb19QQ1BsZkItUmMwT3EwSjJoUkE5YUZvYkppbk56YjhIQS1VSUVCMEdQN0VGYnF4VkZKYWhoM3BoMVJSVVBhT1dM?oc=5) · C.Z. Boyer & Son Funeral Homes
- 2013-07-17 [2 charged in Kennett bank robbery investigation - KFVS12](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUXo0SlZQLXE1M3FZalRQdTkzR25DNGRrV1lGWXl4SGhQb0VxWU1tYXg3b0JLQ0piUDk0OElEX1M3OTdjOHRNUG5QREhwcWR4TkVRZUpjXy1xVWhBTVR5eTdaWU11OEhleDRJdVdUdFVrSDNzTTl5SDFuQ01XRHdKRGw1bkhmRlRmM3hpVlhmc9IBogFBVV95cUxQUWV3MmIxYk5tVVdQSjZ3RzhBd1JvOERJRHFoNlZqWEdWbUd6WnBFdFE5YUotVDJPdjlXTThwUWNKNXhwMjFIT0QxbHRrbE5hSThQQlEtemxJdUZOSkIwMGJ5TXVEMWdNUTd2aFV0WEp0OFhkWG1sOEdaNnFvcEx3YzdOQ3VOUU9HX29sQkxMQWVGeHY4VmI2VEFUb3FWVzRwbXc?oc=5) · KFVS12
- 2016-02-27 [Obituary information for Leon Brinkley - Mitchell Funeral Homes | Paragould, AR](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSkxUWVNXaGoxR3Q3a1RvVTFwM201UThxcVphY0ZqTlo2bnhKSEE1VzJwQXJNdGxRNjliRnNNdi1sNnVJLWlzRGlVZE16aXp4dnZxc09JVEcwcjdwZk5LREw3MFFDN25PRlhQX0xmY0F1RXpPdjI0blUycHJLZjAtNw?oc=5) · Mitchell Funeral Homes | Paragould, AR
- 2026-09-02 [Backpack programs raise $12,137 during North County-Farmington tailgate battle - Park Hills Daily Journal](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQWWpEQXo1N3R3V2tvWENJUHdFWlBZM0ZKQk5PajVfZ2g3S1htNmhMaTlwelh3TVRpd3V3MjBDMHB0YWY0T3FZVFYybnZwTlZiV3NzZG1ta2JMVjc4RUVPS1I5Wk9yazF5X2l2RTFTQU56azRBa2xjc0pHOUFKZ1hxNXBWQkZWWDkwcnBFSjVLMmFlRmQwWDl0ZWF3Ul9ia2Y1R3ZoUG1rbWFsOWNCX0ItcTNjRkdVSUI2TTZUSE90dlNwVGM?oc=5) · Park Hills Daily Journal
- 2026-07-01 [Doris Jean Roth Obituary (2026) - Potosi, MO - Moore Funeral Homes - Potosi - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1McXVPeWIxeVJVd2ZtS1g5QVlrVkNfVWhuVUNZUmRGYkg3Sko2T0czTk9EYVdtaUEzaHVicnM5TTl0cjJJT1BlaDZnVVdwNVNrWjVRN05hM0ZQbURtcnl2amg2Z0RSZjk4bGpTcGxiNUJCdHZWajQtMTZNRUhiQQ?oc=5) · legacy.com
- 2009-12-02 [Police identify suspect after bank robbery near Potosi - KFVS12](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeDN0TF9IelBmUnZ1S0hDN3ZaSmdNeklUNVM2aXc5WmNCQTc0YVAwZVZSbHZ1Wjd1N2diWE5MZzVYQy12dlRIVkVHVkc5Z3FUYTNBcWx4QkpDYXluMFZxMHY0emQ4OVF3U3hzRnhHNWJtNVRISmtQbFBOSHhuTVNLUHAwREMydm5RT05CcVRKT2d3Nmd1ZkIzOdIBqwFBVV95cUxNVWhGSTZiS2gwNU5WTElaSnFBakFvdEVNNEdSQzBBZGJYWUpSQkJhTzdiaVdaWmo0aXFUNmd3d3gtc1o3VmJJS2ZRU21fbHZ2c2xwdWI1R05DQjVjUzJpWUtPdVMyb2REZTA0eDdMUVVuZlBPcmk1WGZCLVhFT3FKa3EwY0RKamswT0tJVUd1czNEdTlSTHR0Sm0wMlRZNFJ0WmhxNUh5QWRoMkE?oc=5) · KFVS12

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10608 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "10608", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide