Bank · FDIC insured
Unico Bank
A $502.6M bank headquartered in Mineral Point, MO, with 15 branches in 2 states. Best rates: CDs 4.23% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs884.23%for 9–15 monthsCD rates →
- Savings—2.53%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Unico Bank
Originally chartered in 1901 as Irondale Bank in Irondale, Missouri, Unico Bank maintains its home office and charter in Mineral Point, Missouri.
Formed under its current name after Irondale Bank merged with Unico Bank FSB in 2000, the bank operates 15 locations across Arkansas and Missouri.
- Headquarters
- 625 Veterans Dr, Mineral Point, MO 63660
- FDIC certificate
- 10608 ↗
Branches
15 branches in 2 states
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Arkansas
9 branches
Jonesboro area · 6
- Harrisburg Branch1100 N Illinois St, Harrisburg, AR 72432Directions
- Hilltop Branch3513 E Johnson Ave, Jonesboro, AR 72405Directions
- Jonesboro - Southwest Drive Branch2702 South Culberhouse Street, Jonesboro, AR 72401Directions
- Lake City Office100 Cobean Blvd, Lake City, AR 72437Directions
- Marked Tree Branch210 Frisco St, Marked Tree, AR 72365Directions
- Trumann Branch514 Industrial Park Dr, Trumann, AR 72472Directions
Paragould area · 3
- Linwood Drive Branch1908 Linwood Dr, Paragould, AR 72450Directions
- Paragould Branch506 W Kings Hwy, Paragould, AR 72450Directions
- Reynolds Road Branch201 Reynolds Rd, Paragould, AR 72450Directions
Missouri
6 branches
Farmington area · 4
- Bismarck Branch1001 Cedar St, Bismarck, MO 63624Directions
- Desloge Branch400 N State St, Desloge, MO 63601Directions
- Farmington Branch755 Weber Rd, Farmington, MO 63640Directions
- Park Hills Branch1000 E Main St, Park Hills, MO 63601Directions
Mineral Point area · 1
- UNICO BankMain office625 Veterans Dr, Mineral Point, MO 63660Directions
Kennett area · 1
- Kennett Branch1115 Independence Ave, Kennett, MO 63857Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.89% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.55% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.34% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $89 | $81 | — |
- CapitalLeverage ratio8.89%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.55%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.34%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$89Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Unico Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.