Side-by-side · Q2 2026 data
The National Bank of Adams County of West Union vs Spring Valley 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 | Spring Valley Bank |
|---|---|---|
| TellerScore | 68 | 89 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 30 | 86 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 99 (stronger) | 49 |
| Problem-loan coverage | 81 | 98 (stronger) |
| Peer percentile | 37th | 94th |
| Total assets | $114.7M | $113.6M |
| Deposits / shares | $100.8M | $67.0M |
| Capital ratio | 10.82% | 34.07% (stronger) |
| Problem loans | 2.10% | 0.43% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.14% | 2.90% (stronger) |
| Loans ÷ deposits | 59.9% (stronger) | 154.7% |
| Uninsured deposits | 16.3% | 16.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.9% |
Spring Valley Bank has the higher TellerScore (89 vs 68). On the 6 directional measures above (where higher or lower is clearly better), The National Bank of Adams County of West Union leads on 1 and Spring Valley Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.