UNICO Bank

Overview / Commentary

573-438-4636

625 Veterans Drive
Mineral Point, MO 63660

UNICO Bank is headquartered in Mineral Point and is the 80^th largest bank in the state of Missouri. It is also the 2,064^th largest bank in the nation. It was established in 1901 and as of June of 2019, it had grown to 126 employees at 15 locations. UNICO Bank's CD rates are 39% higher than the national average, and it has a C+ health rating.

UNICO Bank (MO/AR) 60-Month CD Earns 3.45% APY - 5/15/2019

UNICO Bank (MO/AR) has competitive long-term CDs: 60-month (3.45% APY), 48-month (3.30% APY) and 36-month (3.14% APY). Minimum deposit is $1k. Also as IRAs.

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Health

C+

Data as of Q2 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	10608
Year Established	1901
Employees	126
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	3.99%
Annual Interest Income	$6.6MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$322.1MM$284.4MM
Loans	Q2 2019vs Q2 2018	$233.2MM$202.9MM
Deposits	Q2 2019vs Q2 2018	$292.0MM$246.2MM
Equity Capital	Q2 2019vs Q2 2018	$28.1MM$26.0MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.9MM$1.8MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$7.3MM$5.2MM
Real Estate Owned	Q2 2019vs Q2 2018	$949.00K$903.00K

Rates

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Savings
CD
IRA

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UNICO Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%	$1	-	Christmas Club Account

UNICO Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$1k	-	18 Month CD
1.46%	$1k	-	24 Month CD
1.31%	$1k	-	30 Month CD
1.30%	$1k	-	15 Month CD
1.26%	$1k	-	36 Month CD
1.25%	$1k	-	12 Month CD
1.10%	$1k	-	48 Month CD
1.00%	$1k	-	13 Month CD
1.00%	$1k	-	60 Month CD
0.75%	$1k	-	9 Month CD
0.50%	$1k	-	6 Month CD
0.25%	$1k	-	3 Month CD

UNICO Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$1k	-	18 Month IRA
1.46%	$1k	-	24 Month IRA
1.31%	$1k	-	30 Month IRA
1.30%	$1k	-	15 Month IRA
1.26%	$1k	-	36 Month IRA
1.25%	$1k	-	12 Month IRA
1.10%	$1k	-	48 Month IRA
1.00%	$1k	-	13 Month IRA
1.00%	$1k	-	60 Month IRA
0.75%	$1k	-	9 Month IRA
0.50%	$1k	-	6 Month IRA
0.25%	$1k	-	3 Month IRA

Locations

Availability

St. Louis Area

St. Louis Area bank & credit union details

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