WEST UNION BANK

WEST UNION, WV | Small | Est. April 1, 1893, midnight | FDIC #2452 | RSSD #22730 | FDIC
Latest Report: 2025-12-31

WEST UNION BANK is asn small FDIC-insured commercial bank headquartered in WEST UNION, WV, established in April 1, 1893, midnight. As of 2025-12-31, the bank reported total assets of $301M and total deposits of $271M. Profitability stands at 0.75% ROA and 11.85% ROE, with a net interest margin of 3.50%. The bank's CET1 capital ratio is 13.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.10% and a Texas Ratio of 0.70%. FDIC Certificate #2452.

Assets

$301M

Deposits

$271M

Loans

$147M

Equity

$19M

Profitability

Return on Assets (ROA) 0.75%
Return on Equity (ROE) 11.85%
Net Interest Margin (NIM) 3.50%
Yield on Assets 5.18%
Cost of Funds 1.71%

Asset Quality

NPL Ratio 0.10%
Net Charge-Off Ratio 0.15%
Texas Ratio 0.70%
NPA Ratio 0.05%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 13.96%
Tier 1 Capital 13.96%
Total Capital Ratio 14.95%
Leverage Ratio 8.19%
Loan-to-Deposit 54.14%

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