The National Bank of Adams County of West Union: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The National Bank of Adams County of West Union of West Union, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.14% | 1.34% | +0.80% | 89th top |
| ROAE | 19.47% | 13.31% | +6.16% | 85th top |
| Net Interest Margin | 4.14% | 3.93% | +0.21% | 61st above |
| Efficiency Ratio | 44.18% | 61.14% | -16.96% | 90th top |
| PPNR / Avg Assets | 2.36% | 1.68% | +0.68% | 86th top |
| Yield on Earning Assets | 5.55% | 5.67% | -0.12% | 48th below |
| Cost of Funds | 1.51% | 1.88% | -0.37% | 69th above |
| Net Interest Spread | 3.63% | 3.32% | +0.31% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.74% | 0.94% | -0.20% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.40% | 0.70% | -0.30% | 44th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.35% | 1.28% | +0.07% | 68th above |
| ACL / NPLs (Coverage) | 182.82% | 1538.84% | -1356.02% | 45th below |
| Texas Ratio | 9.92% | 7.33% | +2.59% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.82% | 12.14% | -1.32% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.85% | 11.37% | -0.52% | 58th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.85% | 11.09% | -0.24% | 62nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.77% | 80.64% | -19.87% | 82nd top |
| Core Deposit Ratio | 89.73% | 86.86% | +2.87% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.57% | 6.85% | -3.28% | 43rd below |
| Loan Growth (Y/Y) | 12.56% | 7.90% | +4.66% | 81st top |
| Deposit Growth (Y/Y) | 3.60% | 6.29% | -2.69% | 47th below |
See The National Bank of Adams County of West Union's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The National Bank of Adams County of West Union, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The National Bank of Adams County of West Union profile, how to read a UBPR, or how this data updates.