BlastPoint's Banking Scorecard
The National Bank of Adams County of West Union
Micro
Specialty: Other
OH
FDIC cert 6728
Designations: ✓ Community bank
West Union, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The National Bank of Adams County of West Union demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.16% above tier
- + Efficiency Ratio 21.03% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.1M
-1.1% YoY
-2.7% QoQ
|
-$108.4M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$54.9M
+7.3% YoY
+1.5% QoQ
|
-$84.3M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$96.4M
-1.8% YoY
-2.5% QoQ
|
-$87.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
2.24%
-3.3% YoY
-3.5% QoQ
|
+1.16% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.14%
+0.4% YoY
+0.6% QoQ
|
+0.29% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
46.70%
+6.5% YoY
+4.9% QoQ
|
-21.03% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
2.38%
+39.4% YoY
-9.9% QoQ
|
+1.74% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
56.96%
+9.2% YoY
+4.2% QoQ
|
-17.57% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
20.45%
-9.7% YoY
+7.0% QoQ
|
-1.95% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
1.20%
+51.2% YoY
-6.0% QoQ
|
+0.75% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
-30.2% YoY
+31.4% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.24%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
46.70%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 46.70% · Tier avg: 67.73%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.96% · Tier avg: 74.53%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.45% · Tier avg: 22.39%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
27
27th pctile
Total Deposits
Current: $96.4M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $109.1M · Tier avg: $217.5M
22
22th pctile
Total Loans
Current: $54.9M · Tier avg: $139.2M
15
15th pctile
Nonperforming Asset Ratio
Current: 1.20% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.38% · Tier avg: 0.64%
Top Weaknesses
10
10th pctile
Delinquency Rate
Current: 2.38% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.20% · Tier avg: 0.45%
22
22th pctile
Total Loans
Current: $54.9M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $109.1M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $96.4M · Tier avg: $183.7M
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.45% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.96% · Tier avg: 74.53%
93
93th pctile
Efficiency Ratio
Current: 46.70% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.08%