West Union Bank: how it compares with its peers
Against 22 WV banks with half to twice its assets, West Union Bank's strongest measure in Q2 2026 is efficiency ratio (58.89% vs. a 67.03% peer median). Its weakest relative measure is net interest margin (3.62% vs. 4.10%).
| Measure | West Union Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.03% | 1.00% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.62% | 4.10% | Bottom third Ahead of 27% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.89% | 67.03% | Top third Ahead of 82% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $5.3M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 58.21% | 81.45% | Context |
What it means for lending operations
Its efficiency ratio of 58.89% is better than the 67.03% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Citizens Bank of Weston Weston, WV · $303M
- FNB Bank, Inc. Romney, WV · $278M
- Davis Trust Company Elkins, WV · $275M
- Community Bank of Parkersburg Parkersburg, WV · $340M
- The Bank of Monroe Union, WV · $255M
- MCNB Bank and Trust Co. Welch, WV · $357M
Questions about West Union Bank
How big is West Union Bank?
West Union Bank, established in 1893, is headquartered in West Union, WV. It reported $300M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is West Union Bank's return on assets?
1.03% annualized in Q2 2026, against a 1.00% median for 22 WV banks with half to twice its assets, ahead of 55% of them.
What is West Union Bank's efficiency ratio?
58.89% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 67.03%, and lower is better.
Is West Union Bank growing its loans?
Net loans grew 11.1% over the year to Q2 2026, while deposits shrank 1.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WV banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every West Virginia bank ranked.