The National Bank of Adams County of West Union: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 8.15 percentage points in Q2 2026, from 72.24% to 80.38%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The National Bank of Adams County of West Union is 137th of 156 on loan-to-deposit ratio, 60.77% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The National Bank of Adams County of West Union sits 20.07 points lower, at 60.77% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $61.3M |
| Net loans and leases | $60.5M |
| Loans held for sale | $0 |
| Loans to total assets | 53.45% |
| Loan-to-deposit ratio | 60.77% |
| Net loans to equity capital | 4.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.85% |
| Multifamily (5+ residential) | 0.80% |
| Commercial and industrial | 3.45% |
| Consumer | 4.61% |
| Credit cards | 0.00% |
| Farm | 18.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.38% |
| Construction concentration (Tier 1 capital + allowance) | 31.50% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.82% |
| Interest income on loans | $1.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $44.9M | $101.9M | 7.03% | 3.90% | 6.79% |
| Q4 2023 | $45.6M | $98.3M | 7.59% | 4.50% | 6.98% |
| Q1 2024 | $47.3M | $95.7M | 7.55% | 5.03% | 7.86% |
| Q2 2024 | $47.8M | $95.5M | 9.27% | 4.32% | 6.70% |
| Q3 2024 | $50.3M | $97.7M | 11.38% | 4.53% | 6.52% |
| Q4 2024 | $52.0M | $98.2M | 11.60% | 4.41% | 6.51% |
| Q1 2025 | $53.1M | $95.6M | 12.87% | 3.60% | 6.16% |
| Q2 2025 | $54.4M | $97.3M | 14.05% | 3.91% | 5.89% |
| Q3 2025 | $54.9M | $98.9M | 12.83% | 4.18% | 5.71% |
| Q4 2025 | $55.7M | $96.4M | 12.81% | 4.01% | 5.77% |
| Q1 2026 | $60.1M | $102.0M | 13.63% | 4.01% | 4.76% |
| Q2 2026 | $61.3M | $100.8M | 13.85% | 3.45% | 4.61% |
The National Bank of Adams County of West Union loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Adams County of West Union, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The National Bank of Adams County of West Union profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6728) · FFIEC NIC profile (RSSD 290922)