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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 $33.3MQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $171.0M35%Noninterest $92.7MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.56%0.56%0.93%1.14%1.06%0.98%1.05%1.03%-12 bps
Return on Equity10.76%10.88%18.80%22.86%20.00%17.76%16.32%15.83%-704 bps
Net Interest Margin2.96%2.92%2.97%2.95%3.00%2.98%3.30%3.35%+40 bps
Efficiency Ratio71.24%70.44%69.22%60.84%63.82%67.23%59.34%58.89%-195 bps
Non-Interest Burden2.00%1.94%1.94%1.58%1.73%1.85%1.80%1.81%+24 bps
Growth
Asset Growth (YoY)8.69%4.30%12.54%11.08%9.17%10.86%1.67%3.81%-727 bps
Loan Growth (YoY)19.04%17.38%11.48%9.36%6.30%9.19%10.67%11.23%+187 bps
Deposit Growth (YoY)2.32%7.04%16.33%15.08%12.73%10.23%0.06%-1.14%-1,622 bps
Asset Quality
Nonperforming Loans / Loans0.10%0.08%0.12%0.09%0.12%0.11%0.93%0.13%+5 bps
Net Charge-Offs / Loans0.18%0.18%0.06%0.14%0.12%0.15%0.18%0.25%+11 bps
Allowance / Loans1.32%1.28%1.28%1.23%1.24%1.19%1.26%1.30%+7 bps
Allowance Coverage of NPLs13.7x15.2x10.3x14.0x10.1x10.4x1.3x9.7x-4.3x
Capital
Tier 1 Leverage Ratio8.51%8.15%8.20%8.19%8.45%8.19%8.50%8.73%+54 bps
Total Risk-Based Capital15.44%14.82%15.13%14.97%15.53%14.95%15.21%15.08%+11 bps
Equity / Assets6.11%4.91%4.96%5.12%6.25%6.35%6.50%6.61%+150 bps
Liquidity & Funding
Loans / Deposits54.70%54.66%48.52%52.42%51.58%54.14%53.67%58.98%+656 bps
Liquid Assets / Assets2.16%1.43%5.95%0.82%3.66%1.77%2.96%0.09%-73 bps
CRE / Total Capitaln/an/an/an/a244%276%271%n/an/a