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West Union Bank

West Union, WV · Cert 2452 · Tri-County Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

37

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

65

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Union Bank

West Union, WV · Cert 2452 · Tri-County Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$300.3MAssets
$155.6MLoans
$263.7MDeposits
$19.9MEquity
Loan mix
67%RE $91.0M9%C&I $11.7M24%Consumer $33.3MQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $171.0M35%Noninterest $92.7MQ2 2025Q2 2026

NIM

4.17%Q2 ’244.39%Q2 ’254.65%Q2 ’26-2%+13%

Non-interest income vs. expense

2.40%Q2 ’242.14%Q2 ’252.20%Q2 ’26-22%+15%

Executive Summary

  • Earnings: ROA of 1.03%, down 12 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.13% of loans (+5 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 8.73%, up 54 bps from a year ago.
  • Funding: loans stand at 58.98% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+40 bps YoY

Efficiency Ratio (YTD, annualized)

58.89%-195 bps YoY

Tier 1 Leverage Ratio

8.73%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.06%0.98%1.05%1.03%-12 bps
Return on Equity22.86%20.00%17.76%16.32%15.83%-704 bps
Net Interest Margin2.95%3.00%2.98%3.30%3.35%+40 bps
Efficiency Ratio60.84%63.82%67.23%59.34%58.89%-195 bps
Non-Interest Burden1.58%1.73%1.85%1.80%1.81%+24 bps
Growth
Asset Growth (YoY)11.08%9.17%10.86%1.67%3.81%-727 bps
Loan Growth (YoY)9.36%6.30%9.19%10.67%11.23%+187 bps
Deposit Growth (YoY)15.08%12.73%10.23%0.06%-1.14%-1,622 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.12%0.11%0.93%0.13%+5 bps
Net Charge-Offs / Loans0.14%0.12%0.15%0.18%0.25%+11 bps
Allowance / Loans1.23%1.24%1.19%1.26%1.30%+7 bps
Allowance Coverage of NPLs14.0x10.1x10.4x1.3x9.7x-4.3x
Capital
Tier 1 Leverage Ratio8.19%8.45%8.19%8.50%8.73%+54 bps
Total Risk-Based Capital14.97%15.53%14.95%15.21%15.08%+11 bps
Equity / Assets5.12%6.25%6.35%6.50%6.61%+150 bps
Liquidity & Funding
Loans / Deposits52.42%51.58%54.14%53.67%58.98%+656 bps
Liquid Assets / Assets0.82%3.66%1.77%2.96%0.09%-73 bps
CRE / Total Capitaln/a244%276%271%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

West Union Bank

West Union, WV · Cert 2452 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Tri-County Bcorp Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$300.3MAssets
$155.6MLoans
$263.7MDeposits
$19.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 86% of banks under $1B in assets operating in a single state (rank 105 of 746).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets operating in a single state (rank 715 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.03%

Rank 393 of 746

Net Interest Margin

3.35%

Rank 509 of 746

Efficiency Ratio

58.89%

Rank 260 of 746

Equity / Assets

6.61%

Rank 715 of 746

Non-interest income vs. expense

$1.2M$6.8MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 65% of banks under $1B in assets operating in a single state
Bank 58.89%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.03%0.72%1.06%1.45%Beats 47%393 / 746
Return on Equity15.59%6.74%10.51%13.63%Beats 86%105 / 746
Net Interest Margin3.35%3.17%3.68%4.16%Beats 32%509 / 746
Efficiency Ratio58.89%55.74%64.58%75.47%Beats 65%260 / 746
Asset Quality
Nonperforming Loans / Loans0.14%0.09%0.42%1.07%Beats 71%213 / 743
Net Charge-Offs / Loans0.19%0.00%0.01%0.05%Beats 8%681 / 743
Capital
Tier 1 Capital Ratio13.99%11.55%13.75%17.60%Beats 52%357 / 746
Total Risk-Based Capital Ratio15.08%11.71%14.33%18.43%Beats 56%326 / 746
Equity / Assets6.61%8.90%10.51%13.06%Beats 4%715 / 746
Liquidity & Funding
Loans / Deposits58.98%61.31%78.27%90.78%21st pctl592 / 746
Loans / Assets51.79%53.60%66.97%76.08%22nd pctl582 / 746
Brokered Deposits / Depositsn/aNot reported for this institution