Unico Bank (FDIC #10608): Bank Stress & Real-Estate Credit Exposure
Unico Bank (FDIC Cert #10608): bank stress 68/100, elevated, STABLE over 7 days; parent WASHCO BANCSHARES INC.
Unico Bank (#10608) lends in 6 counties across 2 states; Unico Bank (#10608) reaches 69 ZIP codes: Missouri 3 counties, 39 ZIPs; Arkansas 3 counties, 30 ZIPs.
Unico Bank (#10608) largest markets: Craighead County, AR (51 branches, 17 ZIPs) (#10608), Washington County, MO (16 branches, 16 ZIPs) (#10608), St. Francois County, MO (60 branches, 15 ZIPs) (#10608), Dunklin County, MO (14 branches, 14 ZIPs) (#10608), Poinsett County, AR (33 branches, 11 ZIPs) (#10608), Greene County, AR (27 branches, 9 ZIPs) (#10608).
Unico Bank (#10608) reports $502.6 million in total assets; Unico Bank (#10608) equity $43.5 million (8.7% of Unico Bank (#10608) assets); Unico Bank (#10608) domestic deposits $456.6 million; Unico Bank (#10608) net income $3.4 million; Unico Bank (#10608) return on assets 1.34%; Unico Bank (#10608) return on equity 15.52%; Unico Bank (#10608) net interest income $10.5 million; Unico Bank (#10608) call report June 30, 2026.
Unico Bank (#10608) noncurrent real-estate loans: none reported; Unico Bank (#10608) net charge-offs on real estate 2.10%; Unico Bank (#10608) residential charge-offs 0.60%.
Unico Bank (#10608) net interest margin 4.43% against an eight-quarter Unico Bank (#10608) average of 4.11% (Unico Bank (#10608) compression -0.32 points); Unico Bank (#10608) real-estate loans 0.1% of equity; Unico Bank (#10608) non-residential real estate 59.7% of equity; Unico Bank (#10608) rate-exposure score 40/100, Unico Bank (#10608) fixed-rate trap 40/100; Unico Bank (#10608) risk type credit driven; Unico Bank (#10608) rate regime rates elevated, Unico Bank (#10608) snapshot October 20, 2026.
Unico Bank (#10608) stress score moved from 71.2 on June 22, 2026 to 68.5 on October 20, 2026; Unico Bank (#10608) ranged 68.5 to 71.2 over 117 snapshots.
Unico Bank (#10608) alerts: 6 counties; top Unico Bank (#10608) alert scores: Kennett County, MO 23 (low); Lake City County, MO 23 (low); Mineral Point County, MO 23 (low); Paragould County, MO 23 (low); Park Hills County, MO 23 (low).