C
West Union Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings West Union Bank
West Union, WV
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Rating C
Asset Quality Index 8.20
Capitalization Index 6.20
Liquidity Index 3.60
Profitability Index 4.30
Stability Index 2.10
Company Info West Union Bank
West Union, WV
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FDIC Number 2452
Phone Number (304) 873-2361
Website www.westunionbank.com
Asset Quality West Union Bank
West Union, WV
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1-Year Asset Growth 11.08%
5-Year Asset Growth 6.90%
5-Year Charge-Offs to Average Loans 0.16%
Charge-Offs to Average Loans 0.14%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.46%
Non-Performing Loans to Loans 0.07%
Balance Sheet West Union Bank
West Union, WV
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Total Assets 289.31M
Total Deposits 266.79M
Capital and Reserves West Union Bank
West Union, WV
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Capital 14.80M
Leverage Ratio 8.19
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 14.97
Liquidity West Union Bank
West Union, WV
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Hot Money Ratio 20.92%
Liquidity Ratio 21.12%
Profitability West Union Bank
West Union, WV
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5-Year Return on Average Assets 0.80%
Net Income 1.64M
Net Interest Spread 3.21%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 60.84%
Return on Assets 1.10%
Return on Equity 22.67%