🏦Bank Scorer

UNICO BANK

MINERAL POINT, MO · Supervised by FDIC

Est. 1901FDIC #10,608RSSD: FDIC-10608
Part ofWASHCO BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.13%

Institution Profile

FDIC BankFind

Address

625 Veterans Dr, MINERAL POINT, MO

County

Washington County

Established

January 1, 1901

Total Assets

$497M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$497M

Total Deposits

$450M

Net Loans

$403M

Net Income

$1M

ROA

1.13%

ROE

13.18%

Risk-Based Capital

12.91%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.62%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

15

Branch Deposits

$471M

1-Year Change

-1

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202417483.91%8.62%
202320581.95%11.71%
202226384.41%10.27%
202129187.29%9.62%
202031782.33%10.09%
201926777.53%15.36%
201829777.1%16.16%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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