$115M
+6.4%y/y
Percentile by value10th percentileby value
FDIC
ASSETBA
The National Bank of Adams County of West Union
West Union, OhioFDIC Cert #6728
OCCEstablished 19281 branch
Holding company: Not reportedRegulator: OCC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe National Bank of Adams County of West Union reported $115M in total assets. Deposits grew 6.72% over the prior year.
Return on assets was 2.11%, compared with an asset-peer median of 1.18%. The leverage ratio was 11.51%.
- Why is Total Assets below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$102M
+6.7%y/y
Percentile by value14th percentileby value
FDIC
DEP$59.3M
+13.2%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET2.11%
−7 bpsy/y
Peer standing90th percentile
FDIC
NETINC + ROA48.88%
+157 bpsy/y
Peer standing88th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.51%
+20 bpsy/y
Peer standing56th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $101M | $91.4M |
| Q3 2021 | $103M | $93.3M |
| Q4 2021 | $105M | $94.8M |
| Q1 2022 | $107M | $97.4M |
| Q2 2022 | $108M | $97.5M |
| Q3 2022 | $109M | $98.2M |
| Q4 2022 | $108M | $97.7M |
| Q1 2023 | $110M | $99.5M |
| Q2 2023 | $112M | $100M |
| Q3 2023 | $114M | $102M |
| Q4 2023 | $110M | $98.3M |
| Q1 2024 | $108M | $95.7M |
| Q2 2024 | $108M | $95.5M |
| Q3 2024 | $110M | $97.7M |
| Q4 2024 | $110M | $98.2M |
| Q1 2025 | $108M | $95.6M |
| Q2 2025 | $111M | $97.3M |
| Q3 2025 | $112M | $98.9M |
| Q4 2025 | $109M | $96.4M |
| Q1 2026 | $115M | $102M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $2.35M |
| Investor CRE | $5.84M |
| Multifamily | $500K |
| Construction | $3.49M |
| 1–4 family | $30.7M |
| C&I | $2.41M |
| Agriculture | $11.9M |
| Other | $2.93M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.11%90th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE18.89%87th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY4.07%59th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.88%88th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP+6.72%69th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET+13.24%82nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.16%12th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ11.51%56th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.79%77th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.11%92nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.16%Median 0.93%90th 1.86%Observations 161
ROE
FDIC
NETINC + ROE18.89%93rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.91%Median 9.24%90th 17.50%Observations 161
NIM
FDIC
NIM + NIMY4.07%75th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.58%Median 3.60%90th 4.63%Observations 161
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.88%93rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.01%Median 69.09%90th 94.07%Observations 161
Deposits YoY
FDIC
DEP+6.72%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.14%Median +3.26%90th +14.21%Observations 157
Loans YoY
FDIC
LNLSNET+13.24%82nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.48%Median +5.21%90th +17.27%Observations 155
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.16%4th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.37%90th 1.65%Observations 155
Leverage
FDIC
RBC1AAJ11.51%59th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.63%Median 10.81%90th 18.96%Observations 161
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.79%73rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.30%Median 2.23%90th 3.58%Observations 157
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 12%Median 102%90th 239%Observations 91
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.11%97th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.15%Median 0.68%90th 1.52%Observations 60
ROE
FDIC
NETINC + ROE18.89%95th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.28%Median 6.17%90th 14.67%Observations 60
NIM
FDIC
NIM + NIMY4.07%68th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.72%Median 3.51%90th 4.83%Observations 60
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR48.88%98th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 55.92%Median 77.57%90th 94.62%Observations 60
Deposits YoY
FDIC
DEP+6.72%69th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.03%Median +4.10%90th +12.73%Observations 60
Loans YoY
FDIC
LNLSNET+13.24%83rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.66%Median +4.44%90th +14.69%Observations 59
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.16%5th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 1.91%Observations 59
Leverage
FDIC
RBC1AAJ11.51%49th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.62%Median 11.64%90th 17.48%Observations 60
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.79%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.29%Median 2.16%90th 3.47%Observations 59
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 20%Median 67%90th 160%Observations 27
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- West Union, OH
FDIC
OFFDOMOpen the Ohio dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data