Headquartered in West Union, West Virginia, West Union Bank is a state-chartered bank with $300.3M in total assets and $263.7M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1893.
West Union Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 43% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 23rd. Problem-loan coverage contributes the most (98/100, 1.0%); capital cushion contributes the least (37/100, 8.73%).
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 (69 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 66 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 67 |
| Q1 2026 | 61 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.50% |
| Q3 2024 | 8.51% |
| Q4 2024 | 8.15% |
| Q1 2025 | 8.20% |
| Q2 2025 | 8.19% |
| Q3 2025 | 8.45% |
| Q4 2025 | 8.19% |
| Q1 2026 | 8.50% |
| Q2 2026 | 8.73% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.12% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.12% |
| Q4 2025 | 0.11% |
| Q1 2026 | 0.93% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.56% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.93% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.06% |
| Q4 2025 | 0.98% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.03% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $300.3M | 8.73% | 0.13% | 1.03% | 58.2% |
| Q1 2026 | 61 | $303.3M | 8.50% | 0.93% | 1.05% | 53.0% |
| Q4 2025 | 67 | $300.8M | 8.19% | 0.11% | 0.98% | 53.5% |
| Q3 2025 | 69 | $295.8M | 8.45% | 0.12% | 1.06% | 50.9% |
| Q2 2025 | 69 | $289.3M | 8.19% | 0.09% | 1.14% | 51.8% |
| Q1 2025 | 66 | $298.3M | 8.20% | 0.12% | 0.93% | 47.9% |
| Q4 2024 | 64 | $271.4M | 8.15% | 0.08% | 0.56% | 54.0% |
| Q3 2024 | 65 | $271.0M | 8.51% | 0.10% | 0.56% | 54.0% |
| Q2 2024 | 65 | $260.5M | 8.50% | 0.05% | 0.57% | 54.4% |
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 West Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens Bank of WestonBank Weston, WV | 71 out of 100, Strong | $302.7M | 10.9% | 1.09% | vs |
| FNB Bank, Inc.Bank Romney, WV | 70 out of 100, Strong | $277.9M | 10.6% | 0.45% | vs |
| Davis Trust CompanyBank Elkins, WV | 53 out of 100, Below average | $274.9M | 8.5% | 0.66% | vs |
| Community Bank of ParkersburgBank Parkersburg, WV | 70 out of 100, Strong | $340.3M | 9.9% | 0.40% | vs |
| The Bank of MonroeBank Union, WV | 85 out of 100, Very strong | $255.4M | 13.2% | 0.34% | vs |
| MCNB Bank and Trust Co.Bank Welch, WV | 50 out of 100, Below average | $356.5M | 12.3% | 3.22% | vs |
Deposit insurance
Is my money safe at West Union Bank?
Yes. West Union Bank is an FDIC-insured institution (FDIC certificate #2452). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.0% of deposits ($81.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.73%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.08% (benchmark: 10%).
5 locations
Branches
West Union Bank lists 5 offices in 5 cities. Most locations:
- Clarksburg, WV (1)
- Harrisville, WV (1)
- Pennsboro, WV (1)
- Salem, WV (1)
- West Union, WV (1)
Identity & history
Profile
- Legal name
- West Union Bank
- Type
- State-chartered bank
- FDIC certificate #
- 2452
- RSSD ID
- 22730
- Primary regulator
- FDIC
- Holding company
- Tri-County Bcorp Inc
- Established
- April 1, 1893
- Headquarters
- 212 Main St, West Union, WV 26456
- Website
- www.westunionbank.com
- Employees
- 47
Quick answers
West Union Bank: common questions
Is West Union Bank FDIC insured?
Yes. West Union Bank is an FDIC-insured institution (FDIC certificate #2452). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is West Union Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has West Union Bank ever failed?
There is no failure record for FDIC certificate #2452 in the FDIC failed bank list.
How many branches does West Union Bank have?
5 offices 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 |
|---|---|---|---|---|---|
| Home Federal Credit UnionCredit union Clarksburg, WV | 77 out of 100, Strong | $38.4M | 14.3% | 0.89% | vs |
| First Community BankBank Bluefield, VA | 75 out of 100, Strong | $3.6B | 10.2% | 0.70% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| The Peoples Savings BankBank New Matamoras, OH | 71 out of 100, Strong | $71.9M | 13.5% | 1.58% | vs |
| The Citizens Bank of WestonBank Weston, WV | 71 out of 100, Strong | $302.7M | 10.9% | 1.09% | vs |
| Fairmont Federal Credit UnionCredit union Fairmont, WV | 68 out of 100, Moderate | $603.1M | 10.0% | 0.69% | vs |