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
Unfavorable gap of $1.9M · efficiency ratio beats 93% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.65% | 0.62% | 1.02% | 1.39% | Beats 86% | 10 / 71 | | |
| Return on Equity | 15.23% | 5.62% | 10.07% | 13.60% | Beats 85% | 11 / 71 | | |
| Net Interest Margin | 3.87% | 2.93% | 3.56% | 4.07% | Beats 68% | 23 / 71 | | |
| Efficiency Ratio | 46.53% | 55.94% | 70.77% | 78.80% | Beats 93% | 6 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.10% | 0.08% | 0.27% | 0.97% | Beats 10% | 62 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 10.82% | 11.18% | 13.77% | 20.34% | Beats 18% | 58 / 71 | | |
| Total Risk-Based Capital Ratio | 10.82% | 12.08% | 14.34% | 21.24% | Beats 15% | 60 / 71 | | |
| Equity / Assets | 10.85% | 8.41% | 10.74% | 13.32% | Beats 51% | 35 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.77% | 64.48% | 76.81% | 87.49% | 15th pctl | 58 / 68 | | |
| Loans / Assets | 53.45% | 55.33% | 65.58% | 72.51% | 21st pctl | 56 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |