The National Bank of Adams County of West Union is a national bank headquartered in West Union, Ohio, in business for about 98 years. At the end of Q2 2026 it reported $114.7M in total assets and $100.8M in deposits, with 1 office.
The National Bank of Adams County of West Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 91st. Earnings contributes the most (100/100, 2.14%); loan quality contributes the least (30/100, 2.10%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 69 |
| Q4 2024 | 71 |
| Q1 2025 | 73 |
| Q2 2025 | 68 |
| Q3 2025 | 65 |
| Q4 2025 | 67 |
| Q1 2026 | 69 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.51% |
| Q3 2024 | 10.94% |
| Q4 2024 | 10.63% |
| Q1 2025 | 11.30% |
| Q2 2025 | 10.73% |
| Q3 2025 | 11.47% |
| Q4 2025 | 11.06% |
| Q1 2026 | 11.51% |
| Q2 2026 | 10.82% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.16% |
| Q3 2024 | 2.01% |
| Q4 2024 | 1.68% |
| Q1 2025 | 1.79% |
| Q2 2025 | 2.08% |
| Q3 2025 | 2.61% |
| Q4 2025 | 2.35% |
| Q1 2026 | 2.16% |
| Q2 2026 | 2.10% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.12% |
| Q3 2024 | 2.29% |
| Q4 2024 | 2.32% |
| Q1 2025 | 2.18% |
| Q2 2025 | 2.27% |
| Q3 2025 | 2.32% |
| Q4 2025 | 2.24% |
| Q1 2026 | 2.11% |
| Q2 2026 | 2.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $114.7M | 10.82% | 2.10% | 2.14% | 59.9% |
| Q1 2026 | 69 | $115.3M | 11.51% | 2.16% | 2.11% | 58.1% |
| Q4 2025 | 67 | $109.1M | 11.06% | 2.35% | 2.24% | 57.0% |
| Q3 2025 | 65 | $112.0M | 11.47% | 2.61% | 2.32% | 54.7% |
| Q2 2025 | 68 | $110.7M | 10.73% | 2.08% | 2.27% | 55.1% |
| Q1 2025 | 73 | $108.4M | 11.30% | 1.79% | 2.18% | 54.8% |
| Q4 2024 | 71 | $110.3M | 10.63% | 1.68% | 2.32% | 52.2% |
| Q3 2024 | 69 | $110.1M | 10.94% | 2.01% | 2.29% | 50.7% |
| Q2 2024 | 67 | $107.9M | 10.51% | 2.16% | 2.12% | 49.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Spring Valley BankBank Wyoming, OH | 89 out of 100, Very strong | $113.6M | 34.1% | 0.43% | vs |
| The Peoples Savings and Loan CompanyBank West Liberty, OH | 63 out of 100, Moderate | $109.9M | 9.0% | 0.14% | vs |
| First Mutual Bank, FSBBank Belpre, OH | 63 out of 100, Moderate | $109.9M | 9.6% | 0.55% | vs |
| Community Savings BankBank Bethel, OH | 80 out of 100, Strong | $119.6M | 14.8% | 0.10% | vs |
| Warsaw Federal Savings and Loan AssociationBank Cincinnati, OH | 53 out of 100, Below average | $108.5M | 12.1% | 1.30% | vs |
| The Bank of Magnolia CompanyBank Magnolia, OH | 89 out of 100, Very strong | $107.8M | 13.0% | 0.12% | vs |
Deposit insurance
Is my money safe at The National Bank of Adams County of West Union?
Yes. The National Bank of Adams County of West Union is an FDIC-insured institution (FDIC certificate #6728). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.3% of deposits ($16.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.82%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The National Bank of Adams County of West Union lists 1 office in 1 city. Most locations:
- West Union, OH (1)
Identity & history
Profile
- Legal name
- The National Bank of Adams County of West Union
- Type
- National bank
- FDIC certificate #
- 6728
- RSSD ID
- 290922
- Primary regulator
- OCC
- Established
- April 28, 1928
- Headquarters
- 28 Market St, West Union, OH 45693
- Website
- www.nbaconline.com
- Employees
- 14
Quick answers
The National Bank of Adams County of West Union: common questions
Is The National Bank of Adams County of West Union FDIC insured?
Yes. The National Bank of Adams County of West Union is an FDIC-insured institution (FDIC certificate #6728). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The National Bank of Adams County of West Union's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The National Bank of Adams County of West Union ever failed?
There is no failure record for FDIC certificate #6728 in the FDIC failed bank list.
How many branches does The National Bank of Adams County of West Union have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near West Union
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Bank of MaysvilleBank Maysville, KY | 93 out of 100, Very strong | $164.0M | 16.9% | 0.12% | vs |
| Security Bank and Trust Co.Bank Maysville, KY | 83 out of 100, Strong | $71.8M | 15.7% | 1.86% | vs |
| Southern Hills Community BankBank Leesburg, OH | 71 out of 100, Strong | $209.6M | 13.8% | 1.58% | vs |
| First State BankBank Winchester, OH | 70 out of 100, Strong | $1.2B | 10.5% | 0.86% | vs |
| Pathways Financial Credit UnionCredit union Columbus, OH | 67 out of 100, Moderate | $771.9M | 10.8% | 1.08% | vs |