Total Assets
$109M
Total balance-sheet footings
FDIC Cert #6728 · West Union, Ohio · Est. 1928
The National Bank of Adams County of West Union - FDIC Bank Health Profile
A community-scale look at The National Bank of Adams County of West Union's own numbers, pulled straight from its quarterly FDIC Call Report.
- $109M
- Total assets
- A
- Health grade · Excellent
- 2.24%
- Return on assets
- 11.1%
- Tier 1 capital
Data updated July 2026
The verdict
The National Bank of Adams County of West Union earns a PlainBankData health grade of A (84/100), with well-capitalized at 11.06% Tier 1, profitable at 2.24% ROA, efficient (47% cost ratio).
- #3,675
- largest of 4,313 FDIC banks by assets
- 15th
- percentile by asset size, nationally
- 11.06%
- Tier 1 ratio - above the 10% well-capitalized line
- 94th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How The National Bank of Adams County of West Union's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The National Bank of Adams County of West Union's composite health score
Tier 1 Capital Ratio (11.06%) 28/40
Return on Assets (ROA) (2.24%) 25/25
Texas Ratio (10.06%) 16/20
Efficiency Ratio (46.70%) 15/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$96M
Customer-funded liabilities
Net Loans
$55M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The National Bank of Adams County of West Union ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The National Bank of Adams County of West Union's score of 84/100 falls in the highlighted band.
The National Bank of Adams County of West Union's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The National Bank of Adams County of West Union's $109M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.06% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.06%
Texas Ratio
10.06%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
94th percentile nationally
2.24%
Return on Equity (ROE)
20.20%
Efficiency Ratio
46.70%
What the numbers say about The National Bank of Adams County of West Union
The National Bank of Adams County of West Union is an FDIC-insured institution (Certificate #6728) headquartered in West Union, Ohio, established in 1928. It holds $109M in total assets - 3,675th of 4,313 FDIC-insured banks, $96M in customer deposits, and $55M in net loans. On safety, its Tier 1 capital ratio of 11.06% is above the 10% well-capitalized threshold, and its Texas Ratio of 10.06% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The National Bank of Adams County of West Union ranks 125th of 158 banks based in Ohio -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$6M
Interest Income
$339K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The National Bank of Adams County of West Union reports a Texas Ratio of 10.06% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.06% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The National Bank of Adams County of West Union (FDIC Cert #6728) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The National Bank of Adams County of West Union's health grade?▼
The National Bank of Adams County of West Union receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The National Bank of Adams County of West Union?▼
The National Bank of Adams County of West Union holds $109M in total assets and $96M in deposits, ranking 3,675th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Union, Ohio.
Is my money safe at The National Bank of Adams County of West Union?▼
Yes, deposits at The National Bank of Adams County of West Union (Certificate #6728) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The National Bank of Adams County of West Union's Tier 1 Capital Ratio?▼
The National Bank of Adams County of West Union has a Tier 1 Capital Ratio of 11.06%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The National Bank of Adams County of West Union?▼
The National Bank of Adams County of West Union has a Texas Ratio of 10.06%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The National Bank of Adams County of West Union?▼
The National Bank of Adams County of West Union has an Efficiency Ratio of 46.70%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The National Bank of Adams County of West Union's profile as a depositor or analyst.
- The National Bank of Adams County of West Union's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The National Bank of Adams County of West Union against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.