$303M
+1.7%y/y
Percentile by value1st percentileby value
FDIC
ASSETWU
West Union Bank
West Union, West VirginiaFDIC Cert #2452
STATEEstablished 18935 branches
Holding company: TRI-COUNTY BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportWest Union Bank reported $303M in total assets. Deposits grew 0.06% over the prior year.
Return on assets was 1.05%, compared with the official FFIEC UBPR peer median of 1.30%. The leverage ratio was 8.50%.
- Why is Total Assets below its official FFIEC UBPR peers?
- Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital above its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$275M
+0.1%y/y
Percentile by value7th percentileby value
FDIC
DEP$146M
+10.7%y/y
Percentile by value4th percentileby value
FDIC
LNLSNET1.05%
+12 bpsy/y
Peer standing34th percentile
FDIC
NETINC + ROA59.34%
−988 bpsy/y
Peer standing56th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.50%
+30 bpsy/y
Peer standing6th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,278 ffiec ubpr peer group 5 — insured commercial banks having assets between $300 million and $1 billion.
Side-by-side comparison
West Union Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.05%
Registry median
1.30%
This bank
16.32%
FFIEC trimmed average
13.04%
This bank
3.55%
Registry median
3.89%
This bank
59.34%
Registry median
61.20%
This bank
+0.06%
FFIEC trimmed average
+4.71%
This bank
+10.70%
FFIEC trimmed average
+6.25%
This bank
0.93%
FFIEC trimmed average
0.64%
This bank
8.50%
FFIEC trimmed average
10.94%
This bank
2.28%
Registry median
2.43%
This bank
207%
Registry median
174%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.05%
Registry median
1.02%
This bank
16.32%
FFIEC trimmed average
10.18%
This bank
3.55%
Registry median
3.94%
This bank
59.34%
Registry median
66.74%
This bank
+0.06%
FFIEC trimmed average
+4.40%
This bank
+10.70%
FFIEC trimmed average
+5.48%
This bank
0.93%
FFIEC trimmed average
0.68%
This bank
8.50%
FFIEC trimmed average
11.18%
This bank
2.28%
Registry median
2.20%
This bank
207%
Registry median
174%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $227M | $192M |
| Q3 2021 | $231M | $198M |
| Q4 2021 | $240M | $207M |
| Q1 2022 | $245M | $218M |
| Q2 2022 | $243M | $225M |
| Q3 2022 | $258M | $243M |
| Q4 2022 | $277M | $258M |
| Q1 2023 | $270M | $246M |
| Q2 2023 | $264M | $236M |
| Q3 2023 | $249M | $233M |
| Q4 2023 | $260M | $230M |
| Q1 2024 | $265M | $236M |
| Q2 2024 | $260M | $232M |
| Q3 2024 | $271M | $238M |
| Q4 2024 | $271M | $246M |
| Q1 2025 | $298M | $275M |
| Q2 2025 | $289M | $267M |
| Q3 2025 | $296M | $268M |
| Q4 2025 | $301M | $271M |
| Q1 2026 | $303M | $275M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $12.8M |
| Investor CRE | $25.2M |
| Multifamily | $32.7M |
| Construction | $448K |
| 1–4 family | $19.3M |
| C&I | $11.7M |
| Agriculture | $605K |
| Other | $45M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.05%34th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.56%Median 1.30%90th 2.18%Observations 1,278
ROE
FDIC
NETINC + ROE16.32%71st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.60%Median 12.81%90th 21.29%Observations 1,278
NIM
FDIC
NIM + NIMY3.55%30th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.08%Median 3.89%90th 4.79%Observations 1,278
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.34%56th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.45%Median 61.20%90th 79.08%Observations 1,278
Deposits YoY
FDIC
DEP+0.06%21st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.16%90th +13.52%Observations 1,278
Loans YoY
FDIC
LNLSNET+10.70%75th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.31%Median +5.92%90th +17.22%Observations 1,275
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.93%70th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.44%90th 2.15%Observations 1,275
Leverage
FDIC
RBC1AAJ8.50%5th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.57%90th 14.35%Observations 1,278
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.28%60th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.43%90th 3.43%Observations 1,278
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC207%64th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 48%Median 174%90th 319%Observations 754
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.05%54th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.46%Median 1.02%90th 1.45%Observations 38
ROE
FDIC
NETINC + ROE16.32%89th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.09%Median 10.64%90th 15.46%Observations 38
NIM
FDIC
NIM + NIMY3.55%24th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.29%Median 3.94%90th 4.47%Observations 38
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.34%81st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 52.60%Median 66.74%90th 84.09%Observations 38
Deposits YoY
FDIC
DEP+0.06%23rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.07%Median +3.79%90th +12.08%Observations 38
Loans YoY
FDIC
LNLSNET+10.70%84th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.97%Median +5.56%90th +11.96%Observations 38
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.93%69th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.07%Median 0.39%90th 1.84%Observations 38
Leverage
FDIC
RBC1AAJ8.50%10th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.58%Median 10.48%90th 14.17%Observations 38
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.28%38th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.61%Median 2.20%90th 2.88%Observations 38
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC207%57th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 71%Median 174%90th 264%Observations 15
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 5 branches
- Headquarters
- West Union, WV
FDIC
OFFDOMOpen the West Virginia dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data