Side-by-side · Q2 2026 data
West Union Bank vs MCNB Bank and Trust Co.
Metric by metric
| Measure | West Union Bank | MCNB Bank and Trust Co. |
|---|---|---|
| TellerScore | 70 (stronger) | 50 |
| Capital cushion | 37 | 73 (stronger) |
| Loan quality | 96 (stronger) | 0 |
| Earnings | 61 (stronger) | 55 |
| Funding & liquidity | 83 (stronger) | 73 |
| Problem-loan coverage | 98 (stronger) | 62 |
| Peer percentile | 43rd | 7th |
| Total assets | $300.3M | $356.5M |
| Deposits / shares | $263.7M | $292.2M |
| Capital ratio | 8.73% | 12.29% (stronger) |
| Problem loans | 0.13% (stronger) | 3.22% |
| Net charge-offs | 0.26% | 0.02% (stronger) |
| Return on assets | 1.03% (stronger) | 0.87% |
| Loans ÷ deposits | 58.2% (stronger) | 86.1% |
| Uninsured deposits | 31.0% | 15.8% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.8% |
West Union Bank has the higher TellerScore (70 vs 50). On the 7 directional measures above (where higher or lower is clearly better), West Union Bank leads on 4 and MCNB Bank and Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.