Side-by-side · Q2 2026 data
The National Bank of Adams County of West Union vs First State Bank
Bank
The National Bank of Adams County of West Union
West Union, Ohio · $100 million – $1 billion
Metric by metric
| Measure | The National Bank of Adams County of West Union | First State Bank |
|---|---|---|
| TellerScore | 68 | 70 (stronger) |
| Capital cushion | 58 (stronger) | 55 |
| Loan quality | 30 | 71 (stronger) |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 99 (stronger) | 89 |
| Problem-loan coverage | 81 | 91 (stronger) |
| Peer percentile | 37th | 58th |
| Total assets | $114.7M | $1.2B |
| Deposits / shares | $100.8M | $1.1B |
| Capital ratio | 10.82% (stronger) | 10.47% |
| Problem loans | 2.10% | 0.86% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 2.14% (stronger) | 1.10% |
| Loans ÷ deposits | 59.9% | 51.5% (stronger) |
| Uninsured deposits | 16.3% (stronger) | 25.0% |
| Offices | 1 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The National Bank of Adams County of West Union leads on 4 and First State Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- West Union, OH