West Union Bank
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Data as of · sourced from FFIEC call reports. How we update
West Union Bank is an FDIC-insured commercial bank headquartered in West Union, WV, established in 1893 (FDIC certificate 2452), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $300.3M, up 3.8% from Q2 2025, the 22nd largest of 40 banks headquartered in West Virginia. Its CET1 capital ratio was 13.99% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2452
- Headquarters
- West Union, WV
- Established
- 1893
- Total assets, Q2 2026
- $300.3M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 13.99%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 051502159
- Holding company
- TRI-COUNTY BANCORP, INC.
- Asset rank in state
- 22nd of 40 in West Virginia
West Union Bank operates with a thinner capital cushion than most banks of its size. It reported $300 million in assets at June 30, 2026, up 3.8% from a year earlier. It funds 8.73% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also lost 1.1% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Loans and deposits moved in opposite directions: over the year loans rose 11.2% and deposits fell 1.1%. Paper losses on its bond portfolio are shrinking: unrealized losses of $9.6 million equal 36% of Tier 1 capital, down from 55% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, West Union Bank reported a CET1 capital ratio of 13.99%, a return on assets of 0.98%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.96%. The figures come from its call report filed with the FFIEC.
Of the 40 banks headquartered in West Virginia, West Union Bank is the 22nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $300.3M, loans rose 5.4% and deposits fell 4.1%. Other consumer loans made up 22.1% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 22.1%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in WV; its West Union office books 41% of its branch deposits. Judged on its Q2 2026 call report, West Union Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 212 Main St, West Union, WV 26456
- County
- Doddridge
- Metro Area
- Clarksburg, WV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 1, 1893
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $263.7M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $198K
- Average total assets
- $308.5M
- Average total loans
- $149.2M
- Average interest-bearing deposits
- $171.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2452
- Fed RSSD
- 22730
- Website
- www.westunionbank.com →
- Parent Holding Company
- TRI-COUNTY BANCORP, INC. (RSSD 3068289)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, West Union Bank's total assets ranged from $249.3M (Q3 2023) to $303.3M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$300.3M total assets against $289.3M; $280.5M total liabilities against $274.5M.
$153.5M net loans and leases against $138.1M; $263.7M total deposits against $266.8M.
$128.7M securities against $130.8M; $6.3M cash and balances due against $7.7M.
$3.6M total interest income against $3.5M; $972K total interest expense against $1.1M.
$2.6M net interest income against $2.3M.
$295K total noninterest income against $595K; $1.7M total noninterest expense against $1.6M.
$298K provision for credit losses against $141K.
$756K net income against $975K.
0.98% return on assets against 1.28%; 3.59% net interest margin against 3.26%.
13.99% CET1 capital ratio against 13.96%; 8.73% tier 1 leverage ratio against 8.19%.
Inside the full West Union Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
West Union Bank rankings
Its closest position to the top of a national ranking is 1,382 of 3,606, for efficiency ratio; its furthest is 2,696 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.52% (Q3 2024) to 1.28% (Q2 2025) and its net interest margin ran from 3.14% (Q3 2024) to 3.59% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.99% | 0.98% | 0.13% | 0.96% | 3.59% |
| Q1 2026 | 14.17% | 1.03% | 0.93% | 6.39% | 3.48% |
| Q4 2025 | 13.96% | 0.72% | 0.11% | 0.80% | 3.28% |
| Q3 2025 | 14.52% | 0.88% | 0.12% | 0.84% | 3.28% |
| Q2 2025 | 13.96% | 1.28% | 0.09% | 0.74% | 3.26% |
| Q1 2025 | 14.11% | 0.90% | 0.12% | 1.00% | 3.16% |
| Q4 2024 | 13.79% | 0.53% | 0.08% | 0.76% | 3.24% |
| Q3 2024 | 14.38% | 0.52% | 0.10% | 0.69% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| West Union Bank (main office) | West Union , WV | 26456 | $107.7M |
| Harrisville Branch | Harrisville , WV | 26362 | $59.7M |
| Newpointe Plaza Shopping Center Branch | Clarksburg , WV | 26301 | $36.0M |
| Salem Branch | Salem , WV | 26426 | $31.2M |
| Pennsboro Branch | Pennsboro , WV | 26415 | $29.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in WV, rank 33 of 65 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $300K approved, $300K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about West Union Bank
What are West Union Bank's total assets?
As of the Q2 2026 filing, West Union Bank reported total assets of $300.3 million in its FFIEC call report.
Where is West Union Bank headquartered?
It is headquartered in West Union, WV, United States.
When was West Union Bank founded?
It was established in 1893, per the FDIC institution directory.
Is West Union Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2452). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates West Union Bank?
West Union Bank's primary federal regulator is the FDIC.
What is West Union Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.99% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does West Union Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is West Union Bank's Texas Ratio?
Its Texas Ratio is 0.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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