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The National Bank of Adams County of West Union

$100M-$1B Specialty: Other OH FDIC cert 6728

West Union, OH

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 96 in OH.
  • Deposits +3.6% year over year ($100.8M on the books).
  • Delinquency rate 2.13%.
  • Return on assets 2.14%.
  • Efficiency ratio 46.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.95% 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 96 in OH
View $100M-$1B leaderboard (OH) →

The National Bank of Adams County of West Union has 3 strengths but faces 2 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

  • + ROA 0.81% above tier average
  • + Net Interest Margin 0.16% above tier average
  • + Efficiency Ratio 17.95% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 47.8% in tier
  • - Delinquency Rate 1.21% above tier average
Get updates when The National Bank of Adams County of West Union releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $114.7M
+3.6% YoY -0.5% QoQ
-$271.9M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 4.1% in tier
Total Loans ? $60.5M
+12.6% YoY +1.9% QoQ
-$197.9M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
Bottom 4.7% in tier
Total Deposits ? $100.8M
+3.6% YoY -1.2% QoQ
-$225.9M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 5.6% in tier
Return on Assets ? 2.14%
-5.8% YoY +1.2% QoQ
+0.81% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Top 10.3% in tier
Net Interest Margin ? 4.14%
+1.1% YoY +1.9% QoQ
+0.16% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
62%
Efficiency Ratio ? 46.53%
+1.3% YoY -4.8% QoQ
-17.95% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
Top 11.0% in tier
Delinquency Rate ? 2.13%
+0.8% YoY -2.9% QoQ
+1.21% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Bottom 11.7% in tier
Loan-to-Deposit Ratio ? 59.95%
+8.7% YoY +3.1% QoQ
-18.00% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 20.45%
+8.7% YoY +2.1% QoQ
-1.58% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 1.12%
+9.6% YoY -0.5% QoQ
+0.45% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 10.82%
+0.8% YoY -6.0% QoQ
-5.09% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.13%
-31.2% YoY +109.7% QoQ
-0.44% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
27%

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 (OH) National Avg Tier Percentile
Noninterest-Bearing 20.4%
+1.6pp YoY
+0.4pp QoQ
 -1.7pp 22.1% 18.8% 22.2% 47%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 3.5%
-0.5pp YoY
-0.6pp QoQ
 -8.1pp 11.6% 10.2% 12.5% 12%
CRE 21.8%
+0.6pp YoY
+1.2pp QoQ
 -17.8pp 39.5% 34.2% 41.4% 21%
1-4 Family 52.1%
+3.2pp YoY
+0.4pp QoQ
 +19.5pp 32.6% 50.0% 31.3% 84%
Consumer 4.7%
-1.3pp YoY
-0.2pp QoQ
 +0.6pp 4.1% 4.7% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 10.8%
+0.1pp YoY
-0.7pp QoQ
 -1.4pp 12.2% 12.9% 12.6% 47%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 14
-1 (-6.7%) YoY
0 QoQ
 -45 58 2,433 482 3%
Assets per Employee ($) $8.2M
+11.0% YoY
-0.5% QoQ
 +$672K $7.5M $7.6M $8.8M 70%
Branch Count 1
0 YoY
0 QoQ
 -4 4 81 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 1.4%
+0.1pp YoY
0.0pp QoQ
 +1.1pp 0.3% 0.2% 0.4% 95%
Nonaccrual 0.7%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.9% 0.6% 1.0% 62%
Allowance Coverage 0.65x
-4.7% YoY
+9.3% QoQ
 -23.51x 24.15x 18.95x 20.23x 16%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 19.3%
-1.4pp YoY
+0.4pp QoQ
 +7.1pp 12.2% 9.7% 11.6% 86%
Cost of Funds (YTD) 1.4%
0.0pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 30%
Net Income ($, YTD) $1.2M
-3.1% YoY
— QoQ
 -$1.3M $2.6M $259.3M $40.4M 33%

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 (1)

Capital Thin

risk
#317 of 661 • Bottom 47.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.82%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

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

Top Strengths (3 metrics)

273
Return on Assets
profitability
Value: 2.14%
Peer Median: 1.32%
#273 of 2643 Top 10.3% in $100M-$1B
291
Efficiency Ratio
profitability
Value: 46.53%
Peer Median: 64.48%
#291 of 2643 Top 11.0% in $100M-$1B
456
Loan-to-Deposit Ratio
liquidity
Value: 59.95%
Peer Median: 77.95%
#456 of 2643 Top 17.2% in $100M-$1B

Top Weaknesses (6 metrics)

2535
Total Assets
size
Value: $114.66M
Peer Median: $386.57M
#2535 of 2643 Bottom 4.1% in $100M-$1B
2519
Total Loans
size
Value: $60.46M
Peer Median: $258.35M
#2519 of 2643 Bottom 4.7% in $100M-$1B
2495
Total Deposits
size
Value: $100.85M
Peer Median: $326.73M
#2495 of 2643 Bottom 5.6% in $100M-$1B
2326
Delinquency Rate
credit_quality
Value: 2.13%
Peer Median: 0.92%
#2326 of 2633 Bottom 11.7% in $100M-$1B
2175
Nonperforming Asset Ratio
credit_quality
Value: 1.12%
Peer Median: 0.67%
#2175 of 2643 Bottom 17.7% in $100M-$1B
2096
Tier 1 Capital Ratio
capital
Value: 10.82%
Peer Median: 15.91%
#2096 of 2643 Bottom 20.7% in $100M-$1B
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