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West Union Bank
West Union, WV · FDIC Certificate #2452 · Chartered 04/0
Total assets
$300.34M
Total deposits
$263.75M
Total equity
$19.86M
Net loans
$153.53M
Branches (offices)
5
Net income (YTD)
$1.55M
Rank: #2,466 of 4,213 U.S. banks by assets · #22 of 41 in West Virginia. Assets changed 3.8% and deposits -1.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 15.83% |
| Net interest margin (YTD) | 3.62% |
| Equity to assets | 6.61% |
| Tier 1 leverage ratio | 8.73% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 58.2% |
| Real estate loans (share of loans) | 61.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $94.75M | 61.7% | |
| Commercial & industrial | $11.84M | 7.7% | |
| Consumer / individual | $35.19M | 22.9% | |
| Construction & development | $2.91M | 1.9% | |
| Agricultural | $13.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $243.50M | $224.88M | $1.01M | $10.63M |
| Jun 2023 | $263.75M | $235.54M | $1.12M | $11.35M |
| Jun 2024 | $260.45M | $231.84M | $751.00K | $13.21M |
| Jun 2025 | $289.31M | $266.79M | $1.64M | $14.80M |
| Jun 2026 | $300.34M | $263.75M | $1.55M | $19.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| West Virginia | $263.75M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $263.75M.
Similar-sized banks
Monterey County Bank ($300.38M) · Flanagan State Bank ($300.27M)
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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