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National Bank of Adams County of West Union, The

West Union, OH · Cert 6728

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

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 in OH (n=68 to 71). 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

28

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

80

Q2 2024Q2 2026peer median (50)

Liquidity

20

Q2 2024Q2 2026peer median

Efficiency

93

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

National Bank of Adams County of West Union, The

West Union, OH · Cert 6728

National charter · OCC · 1 branch

Q2 2026

$114.7MAssets
$61.3MLoans
$100.8MDeposits
$12.4MEquity
Loan mix
91%RE $54.3M4%C&I $2.4M5%Consumer $2.9MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $80.2M20%Noninterest $20.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.68%, down 11 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 2.10% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.82%, up 9 bps from a year ago.
  • Funding: loans stand at 60.77% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.68%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+13 bps YoY

Efficiency Ratio (YTD, annualized)

46.53%+59 bps YoY

Tier 1 Leverage Ratio

10.82%+9 bps YoY

NIM

4.94%Q2 ’245.04%Q2 ’255.19%Q2 ’26+2%+3%

Non-interest income vs. expense

1.88%Q2 ’241.89%Q2 ’251.92%Q2 ’26+4%+9%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.80%1.83%1.72%1.78%1.82%1.77%1.66%1.68%-11 bps
Return on Equity17.06%17.29%15.55%16.24%16.49%15.94%14.85%15.15%-109 bps
Net Interest Margin3.67%3.74%3.71%3.75%3.85%3.88%3.90%3.87%+13 bps
Efficiency Ratio43.54%43.84%47.30%45.94%44.53%46.70%48.88%46.53%+59 bps
Non-Interest Burden1.35%1.39%1.54%1.52%1.54%1.65%1.78%1.67%+14 bps
Growth
Asset Growth (YoY)-2.98%0.66%0.75%2.56%1.73%-1.13%6.40%3.57%+101 bps
Loan Growth (YoY)12.00%14.03%12.44%13.95%9.13%7.15%13.05%12.56%-138 bps
Deposit Growth (YoY)-4.12%-0.14%-0.11%1.92%1.31%-1.78%6.72%3.60%+168 bps
Asset Quality
Nonperforming Loans / Loans2.01%1.68%1.79%2.08%2.61%2.35%2.16%2.10%+2 bps
Net Charge-Offs / Loans0.02%0.02%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.50%1.48%1.44%1.41%1.40%1.38%1.28%1.35%-5 bps
Allowance Coverage of NPLs0.7x0.9x0.8x0.7x0.5x0.6x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio10.94%10.63%11.30%10.73%11.47%11.06%11.51%10.82%+9 bps
Total Risk-Based Capital10.94%10.63%11.30%10.73%11.47%11.06%11.51%10.82%+9 bps
Equity / Assets10.99%10.67%11.41%10.85%11.33%11.22%11.13%10.85%0 bps
Liquidity & Funding
Loans / Deposits51.47%52.94%55.58%55.93%55.44%57.75%58.87%60.77%+484 bps
Liquid Assets / Assets39.43%39.40%41.19%40.69%40.45%42.08%39.81%37.52%-317 bps
CRE / Total Capitaln/an/an/an/a82.46%92.72%94.88%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

National Bank of Adams County of West Union, The

West Union, OH · Cert 6728 · Peer group: banks under $1B in assets in OH (n=68-71)

National charter · OCC · 1 branch

Q2 2026

$114.7MAssets
$61.3MLoans
$100.8MDeposits
$12.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in OH (rank 62 of 68).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.65%

Rank 10 of 71

Net Interest Margin

3.87%

Rank 23 of 71

Efficiency Ratio

46.53%

Rank 6 of 71

Equity / Assets

10.85%

Rank 35 of 71

Non-interest income vs. expense

$0.3M$2.2MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 93% of banks under $1B in assets in OH
Bank 46.53%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.65%0.62%1.02%1.39%Beats 86%10 / 71
Return on Equity15.23%5.62%10.07%13.60%Beats 85%11 / 71
Net Interest Margin3.87%2.93%3.56%4.07%Beats 68%23 / 71
Efficiency Ratio46.53%55.94%70.77%78.80%Beats 93%6 / 71
Asset Quality
Nonperforming Loans / Loans2.10%0.08%0.27%0.97%Beats 10%62 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio10.82%11.18%13.77%20.34%Beats 18%58 / 71
Total Risk-Based Capital Ratio10.82%12.08%14.34%21.24%Beats 15%60 / 71
Equity / Assets10.85%8.41%10.74%13.32%Beats 51%35 / 71
Liquidity & Funding
Loans / Deposits60.77%64.48%76.81%87.49%15th pctl58 / 68
Loans / Assets53.45%55.33%65.58%72.51%21st pctl56 / 71
Brokered Deposits / Depositsn/aNot reported for this institution