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Letter portraitLegal landscapeQuarterYTD

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