The National Bank of Adams County of West Union: how it compares with its peers
Against 50 OH banks with half to twice its assets, The National Bank of Adams County of West Union's strongest measure in Q2 2026 is efficiency ratio (46.53% vs. a 76.69% peer median). Its weakest relative measure is net interest margin (4.14% vs. 3.66%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.14% | 0.78% | Top third Ahead of 96% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 3.66% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.53% | 76.69% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.2M | $5.6M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.95% | 78.03% | Context |
What it means for lending operations
Its efficiency ratio of 46.53% is better than the 76.69% 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
- Spring Valley Bank Wyoming, OH · $114M
- The Peoples Savings and Loan Company West Liberty, OH · $110M
- First Mutual Bank, FSB Belpre, OH · $110M
- Community Savings Bank Bethel, OH · $120M
- Warsaw Federal Savings and Loan Association Cincinnati, OH · $109M
- The Bank of Magnolia Company Magnolia, OH · $108M
Questions about The National Bank of Adams County of West Union
How big is The National Bank of Adams County of West Union?
The National Bank of Adams County of West Union, established in 1928, is headquartered in West Union, OH. It reported $115M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The National Bank of Adams County of West Union's return on assets?
2.14% annualized in Q2 2026, against a 0.78% median for 50 OH banks with half to twice its assets, ahead of 96% of them.
What is The National Bank of Adams County of West Union's efficiency ratio?
46.53% in Q2 2026: it spent about 47 cents in noninterest expense for each dollar of revenue. The peer median is 76.69%, and lower is better.
Is The National Bank of Adams County of West Union growing its loans?
Net loans grew 12.6% over the year to Q2 2026, while deposits grew 3.6%.
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 OH 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 Ohio bank ranked.