NATIONAL BANK OF ADAMS COUNTY OF WEST UNION, THE

WEST UNION, OH | Small | Est. April 28, 1928, midnight | FDIC #6728 | RSSD #290922 | OCC
Latest Report: 2025-12-31

NATIONAL BANK OF ADAMS COUNTY OF WEST UNION, THE is asn small FDIC-insured commercial bank headquartered in WEST UNION, OH, established in April 28, 1928, midnight. As of 2025-12-31, the bank reported total assets of $109M and total deposits of $96M. Profitability stands at 1.98% ROA and 17.52% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 11.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 3.23%. FDIC Certificate #6728.

Assets

$109M

Deposits

$96M

Loans

$56M

Equity

$12M

Profitability

Return on Assets (ROA) 1.98%
Return on Equity (ROE) 17.52%
Net Interest Margin (NIM) 4.29%
Yield on Assets 5.75%
Cost of Funds 1.93%

Asset Quality

NPL Ratio 0.75%
Net Charge-Off Ratio --
Texas Ratio 3.23%
NPA Ratio 0.39%
ACL / Loans 1.38%

Capital & Liquidity

CET1 Ratio 11.22%
Tier 1 Capital 11.22%
Total Capital Ratio 11.78%
Leverage Ratio 11.06%
Loan-to-Deposit 57.75%

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