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The National Bank Of Adams County Of West Union
West Union, OH · FDIC Certificate #6728 · Chartered 04/2
Total assets
$114.66M
Total deposits
$100.85M
Total equity
$12.45M
Net loans
$60.46M
Branches (offices)
1
Net income (YTD)
$1.21M
Rank: #3,569 of 4,213 U.S. banks by assets · #123 of 155 in Ohio. Assets changed 3.6% and deposits 3.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.14% |
| Return on equity | 19.30% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 10.85% |
| Tier 1 leverage ratio | 10.82% |
| Uninsured deposits (share of deposits) | 16.3% |
| Noncurrent loans (share of loans) | 2.10% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 59.9% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $55.84M | 92.4% | |
| Commercial & industrial | $2.12M | 3.5% | |
| Consumer / individual | $2.83M | 4.7% | |
| Construction & development | $4.18M | 6.9% | |
| Agricultural | $449.00K | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $107.79M | $97.52M | $392.00K | $9.97M |
| Jun 2023 | $111.66M | $100.12M | $1.05M | $10.77M |
| Jun 2024 | $107.95M | $95.50M | $1.15M | $11.39M |
| Jun 2025 | $110.71M | $97.34M | $1.25M | $12.02M |
| Jun 2026 | $114.66M | $100.85M | $1.21M | $12.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $100.85M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $100.85M.
Similar-sized banks
Rushford State Bank (Incorporated) ($114.72M) · The Commercial Bank ($114.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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