C
The National Bank of Adams County of West Union
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
11.47
Return On
Assets
2.32%
Total
Assets
112.05M
Capital
12.69M
Total
Deposits
98.94M
Net
Income
1.92M
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Weiss Ratings The National Bank of Adams County of West Union
West Union, OH 		Click to
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Rating C
Asset Quality Index 6.30
Capitalization Index 10.00
Liquidity Index 1.10
Profitability Index 9.50
Stability Index 4.30
Company Info The National Bank of Adams County of West Union
West Union, OH 		Click to
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FDIC Number 6728
Phone Number (937) 544-2361
Website www.nbaconline.com
Asset Quality The National Bank of Adams County of West Union
West Union, OH 		Click to
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1-Year Asset Growth 1.73%
5-Year Asset Growth 6.06%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.41%
Non-Performing Loans to Capital 9.72%
Non-Performing Loans to Loans 0.83%
Balance Sheet The National Bank of Adams County of West Union
West Union, OH 		Click to
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Total Assets 112.05M
Total Deposits 98.94M
Capital and Reserves The National Bank of Adams County of West Union
West Union, OH 		Click to
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Capital 12.69M
Leverage Ratio 11.47
Loan Loss Reserves to Loans 1.40%
Risk-Based Capital Ratio --
Liquidity The National Bank of Adams County of West Union
West Union, OH 		Click to
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Hot Money Ratio 12.65%
Liquidity Ratio 30.25%
Profitability The National Bank of Adams County of West Union
West Union, OH 		Click to
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5-Year Return on Average Assets 1.43%
Net Income 1.92M
Net Interest Spread 4.13%
Operating Profit to Average Assets 2.32%
Overhead Efficiency Ratio 44.53%
Return on Assets 2.32%
Return on Equity 21.00%