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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

$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

4.21%Q2 ’244.55%Q2 ’254.66%Q2 ’26+3%+11%

Non-interest income vs. expense

2.42%Q2 ’242.07%Q2 ’252.21%Q2 ’26-36%+42%

Executive Summary

  • Earnings: ROA of 1.00%, down 33 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.13% of loans (+5 bps YoY), with net charge-offs at 0.34%.
  • 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 (quarter, annualized)

1.00%-33 bps YoY

Net Interest Margin (quarter, annualized)

3.40%+34 bps YoY

Efficiency Ratio (quarter, annualized)

58.46%+458 bps YoY

Tier 1 Leverage Ratio

8.73%+54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.33%0.91%0.75%1.05%1.00%-33 bps
Return on Equity26.34%16.03%11.85%16.32%15.28%-1,106 bps
Net Interest Margin3.06%3.08%3.10%3.30%3.40%+34 bps
Efficiency Ratio53.88%69.90%77.28%59.34%58.46%+458 bps
Non-Interest Burden1.29%2.03%2.31%1.80%1.83%+54 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 / Loans0.23%0.07%0.27%0.18%0.34%+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