West Union Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Union Bank of West Union, WV against its peer group of 2757 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 | 0.98% | 1.25% | -0.27% | 31st below |
| ROAE | 15.28% | 12.22% | +3.06% | 67th above |
| Net Interest Margin | 3.59% | 3.95% | -0.36% | 31st below |
| Efficiency Ratio | 56.19% | 63.71% | -7.52% | 65th above |
| PPNR / Avg Assets | 1.57% | — | — | 48th below |
| Yield on Earning Assets | 4.86% | 5.67% | -0.81% | 18th bottom |
| Cost of Funds | 1.40% | 1.87% | -0.47% | 75th top |
| Net Interest Spread | 2.79% | — | — | 23rd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.88% | -0.75% | 71st above |
| NPA / Total Assets | 0.07% | — | — | 75th top |
| NCO / Avg Loans | 0.35% | 0.15% | +0.20% | 8th bottom |
| ACL / Total Loans | 1.30% | — | — | 63rd above |
| ACL / NPLs (Coverage) | 966.19% | — | — | 81st top |
| Texas Ratio | 0.96% | 5.96% | -5.00% | 69th above |
| Provision / NCO | 227.48% | — | — | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.99% | 17.18% | -3.19% | 39th below |
| Tier 1 Ratio | 13.99% | 17.21% | -3.22% | 38th below |
| Total Capital Ratio | 15.08% | — | — | 39th below |
| Leverage Ratio | 8.73% | 11.75% | -3.02% | 9th bottom |
| Equity / Assets | 6.61% | 10.98% | -4.37% | 4th bottom |
| TCE / Tangible Assets | 6.61% | — | — | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 58.98% | 80.44% | -21.46% | 85th top |
| Core Deposit Ratio | 90.00% | 86.95% | +3.05% | 55th above |
| Wholesale Funding Ratio | 5.15% | — | — | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.81% | — | — | 45th below |
| Loan Growth (Y/Y) | 11.23% | — | — | 77th top |
| Deposit Growth (Y/Y) | -1.14% | — | — | 17th bottom |
See West Union Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Union Bank, 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 West Union Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the West Union Bank peer analysis.