BlastPoint's Banking Scorecard
UNICO Bank
Mineral Point, MO
15 branches across AR · MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits -3.0% year over year ($456.6M on the books).
- Delinquency rate 2.58%.
- Return on assets 1.34%.
- Efficiency ratio 69.24% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.19% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
UNICO Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.66% above tier average
- - Nonperforming Asset Ratio 1.41% above tier average
- - Efficiency Ratio 4.76% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$502.6M
-2.2% YoY
+1.1% QoQ
|
+$116.1M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$402.7M
-2.1% YoY
-0.2% QoQ
|
+$144.3M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$456.6M
-3.0% YoY
+1.5% QoQ
|
+$129.9M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.34%
+10.5% YoY
+18.1% QoQ
|
+0.02% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
4.43%
+8.5% YoY
+1.2% QoQ
|
+0.44% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
69.24%
+0.8% YoY
-5.2% QoQ
|
+4.76% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
2.58%
+79.1% YoY
+7.4% QoQ
|
+1.66% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.2% in tier |
| Loan-to-Deposit Ratio ? |
88.19%
+0.9% YoY
-1.6% QoQ
|
+10.24% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
25.64%
+10.2% YoY
+4.4% QoQ
|
+3.61% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
2.08%
+80.0% YoY
+6.0% QoQ
|
+1.41% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 6.5% in tier |
| Tier 1 Capital Ratio ? |
11.80%
+3.2% YoY
+0.6% QoQ
|
-4.11% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.38%
+3.3% YoY
+101.9% QoQ
|
-0.19% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
83% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.6%
+2.4pp YoY +1.1pp QoQ |
+3.5pp | 22.1% | 20.9% | 22.2% | 68% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
+0.7pp YoY 0.0pp QoQ |
-3.4pp | 11.6% | 12.3% | 12.5% | 41% |
| CRE |
43.4%
-1.7pp YoY +0.1pp QoQ |
+3.8pp | 39.5% | 36.8% | 41.4% | 59% |
| 1-4 Family |
37.8%
+1.9pp YoY -0.6pp QoQ |
+5.2pp | 32.6% | 31.9% | 31.3% | 67% |
| Consumer |
4.4%
-1.0pp YoY -0.2pp QoQ |
+0.2pp | 4.1% | 4.1% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.4pp YoY +0.1pp QoQ |
-7.0pp | 18.8% | 18.5% | 19.7% | 15% |
| Leverage Ratio |
8.9%
+0.7pp YoY 0.0pp QoQ |
-3.3pp | 12.2% | 11.6% | 12.6% | 11% |
| Total Capital Ratio |
13.0%
+0.6pp YoY +0.1pp QoQ |
-6.9pp | 19.9% | 19.6% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
123
-5 (-3.9%) YoY +7 (+6.0%) QoQ |
+64 | 58 | 162 | 482 | 94% |
| Assets per Employee ($) |
$4.1M
+1.8% YoY -4.7% QoQ |
-$3.4M | $7.5M | $8.0M | $8.8M | 5% |
| Branch Count |
15
0 YoY 0 QoQ |
+10 | 4 | 10 | 18 | 98% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
2.6%
+1.1pp YoY +0.2pp QoQ |
+1.6pp | 0.9% | 0.8% | 1.0% | 92% |
| Allowance Coverage |
0.44x
-25.6% YoY -1.3% QoQ |
-23.71x | 24.15x | 10.47x | 20.23x | 8% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.3% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.5%
0.0pp YoY +2.3pp QoQ |
+3.3pp | 12.2% | 14.3% | 11.6% | 70% |
| Cost of Funds (YTD) |
1.9%
-0.4pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 62% |
| Net Income ($, YTD) |
$3.4M
+8.0% YoY — QoQ |
+$802K | $2.6M | $11.3M | $40.4M | 74% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.