Total Assets
$301M
Total balance-sheet footings
FDIC Cert #2452 · West Union, West Virginia · Est. 1893
West Union Bank - FDIC Bank Health Profile
A community-scale look at West Union Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $301M
- Total assets
- B
- Health grade · Good
- 0.98%
- Return on assets
- 14.0%
- Tier 1 capital
Data updated July 2026
The verdict
West Union Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.96% Tier 1, 0.98% ROA, 67% efficiency ratio.
- #2,486
- largest of 4,313 FDIC banks by assets
- 42nd
- percentile by asset size, nationally
- 13.96%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How West Union Bank's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
West Union Bank's composite health score
Tier 1 Capital Ratio (13.96%) 35/40
Return on Assets (ROA) (0.98%) 14/25
Texas Ratio (0.80%) 20/20
Efficiency Ratio (67.23%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$271M
Customer-funded liabilities
Net Loans
$145M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where West Union Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Union Bank's score of 77/100 falls in the highlighted band.
West Union Bank'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). West Union Bank's $301M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.96% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.96%
Texas Ratio
0.80%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.98%
Return on Equity (ROE)
17.76%
Efficiency Ratio
67.23%
What the numbers say about West Union Bank
West Union Bank is an FDIC-insured institution (Certificate #2452) headquartered in West Union, West Virginia, established in 1893. It holds $301M in total assets - 2,486th of 4,313 FDIC-insured banks, $271M in customer deposits, and $145M in net loans. On safety, its Tier 1 capital ratio of 13.96% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.80% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (77/100), 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.
Within West Virginia, West Union Bank ranks 21st of 42 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$14M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. West Union Bank reports a Texas Ratio of 0.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) West Union Bank (FDIC Cert #2452) - 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 West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
Frequently asked questions
What is West Union Bank's health grade?▼
West Union Bank receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is West Union Bank?▼
West Union Bank holds $301M in total assets and $271M in deposits, ranking 2,486th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Union, West Virginia.
Is my money safe at West Union Bank?▼
Yes, deposits at West Union Bank (Certificate #2452) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is West Union Bank's Tier 1 Capital Ratio?▼
West Union Bank has a Tier 1 Capital Ratio of 13.96%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for West Union Bank?▼
West Union Bank has a Texas Ratio of 0.80%. 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 West Union Bank?▼
West Union Bank has an Efficiency Ratio of 67.23%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read West Union Bank's profile as a depositor or analyst.
- West Union Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare West Union Bank against other West Virginia banks before moving funds. West Virginia 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.