Side-by-side · Q2 2026 data
The National Bank of Adams County of West Union vs Southern Hills Community 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 | Southern Hills Community Bank |
|---|---|---|
| TellerScore | 68 | 71 (stronger) |
| Capital cushion | 58 | 88 (stronger) |
| Loan quality | 30 | 47 (stronger) |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 81 | 86 (stronger) |
| Peer percentile | 37th | 47th |
| Total assets | $114.7M | $209.6M |
| Deposits / shares | $100.8M | $179.5M |
| Capital ratio | 10.82% | 13.77% (stronger) |
| Problem loans | 2.10% | 1.58% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 2.14% (stronger) | 0.62% |
| Loans ÷ deposits | 59.9% | 57.2% (stronger) |
| Uninsured deposits | 16.3% | 14.9% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.4% |
Southern Hills Community Bank has the higher TellerScore (71 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 2 and Southern Hills Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- West Union, OH