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
Unfavorable gap of $5.6M · efficiency ratio beats 65% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.03% | 0.72% | 1.06% | 1.45% | Beats 47% | 393 / 746 | |
| Return on Equity | 15.59% | 6.74% | 10.51% | 13.63% | Beats 86% | 105 / 746 | |
| Net Interest Margin | 3.35% | 3.17% | 3.68% | 4.16% | Beats 32% | 509 / 746 | |
| Efficiency Ratio | 58.89% | 55.74% | 64.58% | 75.47% | Beats 65% | 260 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.09% | 0.42% | 1.07% | Beats 71% | 213 / 743 | |
| Net Charge-Offs / Loans | 0.19% | 0.00% | 0.01% | 0.05% | Beats 8% | 681 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.99% | 11.55% | 13.75% | 17.60% | Beats 52% | 357 / 746 | |
| Total Risk-Based Capital Ratio | 15.08% | 11.71% | 14.33% | 18.43% | Beats 56% | 326 / 746 | |
| Equity / Assets | 6.61% | 8.90% | 10.51% | 13.06% | Beats 4% | 715 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 58.98% | 61.31% | 78.27% | 90.78% | 21st pctl | 592 / 746 | |
| Loans / Assets | 51.79% | 53.60% | 66.97% | 76.08% | 22nd pctl | 582 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |