BlastPoint's Banking Scorecard

The National Bank of Adams County of West Union

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

West Union, OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

The National Bank of Adams County of West Union has 3 strengths but faces 1 concern

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 0.84% above tier average
+ Net Interest Margin 0.14% above tier average
+ Efficiency Ratio 16.41% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.30% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$115.3M +6.4% YoY +5.7% QoQ	-$270.8M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 4.6% in tier
Total Loans ?	$59.3M +13.2% YoY +8.0% QoQ	-$196.4M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Bottom 4.8% in tier
Total Deposits ?	$102.0M +6.7% YoY +5.8% QoQ	-$225.9M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 6.3% in tier
Return on Assets ?	2.11% -3.2% YoY -5.8% QoQ	+0.84%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Top 10.1% in tier
Net Interest Margin ?	4.07% +0.8% YoY -1.8% QoQ	+0.14%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	48.88% +3.3% YoY +4.7% QoQ	-16.41%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Top 14.1% in tier
Delinquency Rate ?	2.19% +20.7% YoY -8.0% QoQ	+1.30%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	Bottom 10.7% in tier
Loan-to-Deposit Ratio ?	58.12% +6.1% YoY +2.0% QoQ	-18.52%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	20.02% -2.7% YoY -2.1% QoQ	-2.00%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	1.13% +28.5% YoY -6.0% QoQ	+0.49%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	11.51% +1.8% YoY +4.1% QoQ	-4.32%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.06% -42.8% YoY -80.5% QoQ	-0.22%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	26%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

269

Return on Assets

profitability

Value: 2.11%

Peer Median: 1.27%

#269 of 2664 Top 10.1% in $100M-$1B

377

Efficiency Ratio

profitability

Value: 48.88%

Peer Median: 65.29%

#377 of 2664 Top 14.1% in $100M-$1B

445

Loan-to-Deposit Ratio

liquidity

Value: 58.12%

Peer Median: 76.64%

#445 of 2664 Top 16.7% in $100M-$1B

Top Weaknesses (5 metrics)

2543

Total Assets

size

Value: $115.28M

Peer Median: $386.08M

#2543 of 2664 Bottom 4.6% in $100M-$1B

2537

Total Loans

size

Value: $59.30M

Peer Median: $255.72M

#2537 of 2664 Bottom 4.8% in $100M-$1B

2497

Total Deposits

size

Value: $102.03M

Peer Median: $327.97M

#2497 of 2664 Bottom 6.3% in $100M-$1B

2370

Delinquency Rate

credit_quality

Value: 2.19%

Peer Median: 0.89%

#2370 of 2654 Bottom 10.7% in $100M-$1B

2213

Nonperforming Asset Ratio

credit_quality

Value: 1.13%

Peer Median: 0.64%

#2213 of 2664 Bottom 17.0% in $100M-$1B