C
The National Bank of Adams County of West Union
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
11.06
Return On
Assets
2.23%
Total
Assets
109.07M
Capital
12.24M
Total
Deposits
96.42M
Net
Income
2.47M
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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 6.50
Capitalization Index 10.00
Liquidity Index 1.10
Profitability Index 9.10
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 -1.13%
5-Year Asset Growth 1.91%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.39%
Non-Performing Loans to Capital 9.15%
Non-Performing Loans to Loans 0.77%
Balance Sheet The National Bank of Adams County of West Union
West Union, OH 		Click to
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Total Assets 109.07M
Total Deposits 96.42M
Capital and Reserves The National Bank of Adams County of West Union
West Union, OH 		Click to
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Capital 12.24M
Leverage Ratio 11.06
Loan Loss Reserves to Loans 1.38%
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 14.43%
Liquidity Ratio 40.77%
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 2.47M
Net Interest Spread 4.14%
Operating Profit to Average Assets 2.23%
Overhead Efficiency Ratio 46.70%
Return on Assets 2.23%
Return on Equity 20.11%