UNICO Bank: how it compares with its peers
Against 73 MO banks with half to twice its assets, UNICO Bank's strongest measure in Q2 2026 is net interest margin (4.43% vs. a 4.15% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $6.8M).
| Measure | UNICO Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.34% | 1.62% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.43% | 4.15% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.24% | 56.99% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $6.8M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.19% | 87.78% | Context |
What it means for lending operations
Its efficiency ratio of 69.24% is above the 56.99% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- People's Bank of Seneca Seneca, MO · $496M
- The Bank of Advance Advance, MO · $510M
- The Callaway Bank Fulton, MO · $512M
- Connections Bank Platte City, MO · $517M
- F & C Bank Holden, MO · $481M
- First State Bank of St. Charles, Missouri St. Charles, MO · $535M
Questions about UNICO Bank
How big is UNICO Bank?
UNICO Bank, established in 1901, is headquartered in Mineral Point, MO. It reported $503M in total assets in its Q2 2026 FDIC call report and operates 15 offices.
What is UNICO Bank's return on assets?
1.34% annualized in Q2 2026, against a 1.62% median for 73 MO banks with half to twice its assets, ahead of 29% of them.
What is UNICO Bank's efficiency ratio?
69.24% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 56.99%, and lower is better.
Is UNICO Bank growing its loans?
Net loans shrank 2.1% over the year to Q2 2026, while deposits shrank 3.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.