BlastPoint's Banking Scorecard

West Union Bank

$100M-$1B Specialty: Commercial WV FDIC cert 2452

West Union, WV

5 branches across WV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
Deposits -1.1% year over year ($263.7M on the books).
Delinquency rate 0.14%.
Return on assets 1.03%.
Efficiency ratio 58.89% vs a 64.48% peer average.
Loan-to-deposit ratio 58.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 32 in WV

View $100M-$1B leaderboard (WV) →

West Union Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 13.12% above tier average
+ Efficiency Ratio 5.59% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.3% in tier
- Margin Compression: Bottom 37.1% in tier
- Credit Risk Growth: Bottom 46.4% in tier
- Net Interest Margin 0.36% below tier average

Get updates when West Union Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$300.3M +3.8% YoY -1.0% QoQ	-$86.2M	$386.6M +1.2% YoY	$1.3B +5.7% YoY	$6.3B +7.7% YoY	46%
Total Loans ?	$153.5M +11.1% YoY +5.3% QoQ	-$104.8M	$258.3M +1.7% YoY	$899.3M +7.6% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$263.7M -1.1% YoY -4.1% QoQ	-$63.0M	$326.7M +0.7% YoY	$1.1B +6.2% YoY	$4.9B +7.3% YoY	48%
Return on Assets ?	1.03% -10.1% YoY -2.1% QoQ	-0.30%	1.32% +10.8% YoY	1.06% +30.6% YoY	1.30% +12.1% YoY	35%
Net Interest Margin ?	3.62% +8.0% YoY +2.1% QoQ	-0.36%	3.99% +5.0% YoY	3.90% +8.7% YoY	3.95% +4.9% YoY	33%
Efficiency Ratio ?	58.89% -3.2% YoY -0.8% QoQ	-5.59%	64.48% -3.2% YoY	68.34% -7.3% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.14% +53.6% YoY -85.6% QoQ	-0.78%	0.92% +15.7% YoY	0.74% +17.9% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	58.21% +12.4% YoY +9.9% QoQ	-19.74%	77.95% +1.0% YoY	79.72% +2.0% YoY	79.03% +2.3% YoY	Top 14.9% in tier
Non-Interest-Bearing Deposit Share ?	35.15% +2.1% YoY +3.2% QoQ	+13.12%	22.03% -0.6% YoY	26.43% -1.4% YoY	21.98% -0.6% YoY	Top 9.7% in tier
Nonperforming Asset Ratio ?	0.07% +64.5% YoY -84.6% QoQ	-0.60%	0.67% +16.4% YoY	0.55% +10.4% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	13.99% +0.2% YoY -1.3% QoQ	-1.92%	15.91% +1.4% YoY	14.02% -0.7% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.20% -33.3% YoY +101.3% QoQ	-0.37%	0.57% +7.6% YoY	0.30% +5.9% YoY	0.66% +5.2% YoY	48%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Noninterest-Bearing	35.1% +0.7pp YoY +1.1pp QoQ	+13.0pp	22.1%	27.1%	22.2%	90%
Brokered Deposits	1.0% +1.0pp YoY +1.0pp QoQ	-6.9pp	7.9%	3.0%	8.5%	18%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
C&I	7.7% -1.6pp YoY -0.3pp QoQ	-3.8pp	11.6%	7.1%	12.5%	38%
CRE	48.1% +1.6pp YoY -0.7pp QoQ	+8.5pp	39.5%	33.8%	41.4%	67%
1-4 Family	13.3% -1.7pp YoY 0.0pp QoQ	-19.4pp	32.6%	52.8%	31.3%	16%
Consumer	22.9% +1.1pp YoY +0.1pp QoQ	+18.8pp	4.1%	7.9%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
CET1 Ratio	14.0% 0.0pp YoY -0.2pp QoQ	-4.8pp	18.8%	17.1%	19.7%	39%
Leverage Ratio	8.7% +0.5pp YoY +0.2pp QoQ	-3.4pp	12.2%	11.6%	12.6%	9%
Total Capital Ratio	15.1% +0.1pp YoY -0.1pp QoQ	-4.9pp	19.9%	18.1%	20.8%	39%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Full-Time Employees	47 0 YoY -2 (-4.1%) QoQ	-12	58	161	482	49%
Assets per Employee ($)	$6.4M +3.8% YoY +3.2% QoQ	-$1.1M	$7.5M	$6.1M	$8.8M	40%
Branch Count	5 0 YoY 0 QoQ	0	4	13	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY -0.8pp QoQ	-0.3pp	0.3%	0.1%	0.4%	44%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.7%	1.0%	15%
Allowance Coverage	9.66x -30.9% YoY +616.1% QoQ	-14.49x	24.15x	6.60x	20.23x	81%
Net Charge-off Rate (YTD)	0.3% +0.1pp YoY +0.1pp QoQ	+0.1pp	0.1%	0.1%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
ROE	15.8% -7.0pp YoY -0.5pp QoQ	+3.6pp	12.2%	10.6%	11.6%	72%
Cost of Funds (YTD)	1.4% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.5%	1.7%	30%
Net Income ($, YTD)	$1.5M -5.4% YoY — QoQ	-$1.0M	$2.6M	$9.0M	$40.4M	43%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#156 of 1256 • Bottom 12.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Margin Compression

decline

#115 of 307 • Bottom 37.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.03%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

Credit Risk Growth

risk

#435 of 936 • Bottom 46.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

258

Non-Interest-Bearing Deposit Share

funding

Value: 35.15%

Peer Median: 22.03%

#258 of 2643 Top 9.7% in $100M-$1B

396

Loan-to-Deposit Ratio

liquidity

Value: 58.21%

Peer Median: 77.95%

#396 of 2643 Top 14.9% in $100M-$1B

646

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#646 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available