Bank Comparison
National Bank of Adams County of West Union, the vs Adelphi Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 13
winning metrics across 18 comparable rows
Capital adequacy
| Metric | National Bank of Adams County of West Union, the | Adelphi Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.51% | 16.52% |
| Equity / Assets | 11.13% | 16.06% |
Profitability
| Metric | National Bank of Adams County of West Union, the | Adelphi Bank |
|---|---|---|
| Return on Assets (ROA) | 2.12% | 0.15% |
| Return on Equity (ROE) | 18.89% | 0.92% |
| Net Interest Margin (NIM) | 4.09% | 4.71% |
| Yield on Earning Assets | 5.46% | 6.64% |
| Cost of Funds | 1.48% | 2.34% |
Asset quality
| Metric | National Bank of Adams County of West Union, the | Adelphi Bank |
|---|---|---|
| Texas Ratio | 9.55% | 0.00% |
| Non-Performing Loan Ratio | 0.72% | 0.00% |
| Non-Performing Asset Ratio | 0.38% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.28% | 1.29% |
Balance sheet
| Metric | National Bank of Adams County of West Union, the | Adelphi Bank |
|---|---|---|
| Total Assets | $115,285K | $116,980K |
| Total Deposits | $102,031K | $96,866K |
| Total Loans | $60,067K | $93,908K |
| Total Equity | $12,831K | $18,782K |
| Net Income (quarter) | $592 | $43 |
Liquidity & funding
| Metric | National Bank of Adams County of West Union, the | Adelphi Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 58.87% | 96.95% |
| Core Deposit Ratio | 90.42% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | National Bank of Adams County of West Union, the | Adelphi Bank |
|---|---|---|
| Headquarters City | WEST UNION | COLUMBUS |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 13198 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 14 | 24 |
| Established | April 28, 1928, midnight | Jan. 18, 2023, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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