National Bk Adams Cnty W Uni
West Union, Ohio · FDIC Cert #6728
National Bk Adams Cnty W Uni is an FDIC-insured bank (Certificate #6728) with $108M in total assets and $96M in total deposits as of the Q2 2024 Call Report. Headquartered in West Union, Ohio, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 2.16%. BankHealthData assigns a composite Health Grade of C (52/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
National Bk Adams Cnty W Uni (FDIC cert 6728) is a community bank — $108M in total assets, $96M in deposits, serving the West Union, Ohio area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is elevated: non-performing loan ratio of 2.16% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 46.1% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.12% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. National Bk Adams Cnty W Uni carries a composite BankHealth grade of C (52/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: National Bk Adams Cnty W Uni
- Total Assets
- $108M
- Total Deposits
- $96M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 2.16%
- Liquidity Ratio
- 46.14%
- Return on Assets
- 2.12%
- Headquarters
- West Union, Ohio
- FDIC Certificate
- #6728
- Health Grade
- C (52/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, National Bk Adams Cnty W Uni holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject National Bk Adams Cnty W Uni to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
National Bk Adams Cnty W Uni shows average financial health. While not alarming, its Health Score of 52/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How National Bk Adams Cnty W Uni Compares
National Bk Adams Cnty W Uni’s Health Score of 52 is 15 points below the Ohio state average of 67 across 144 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 2.16% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.12% is in line with or above the national ROA benchmark of ~1.1%. Among 1146 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, National Bk Adams Cnty W Uni is 18 points below the portfolio average of 70.
Frequently Asked Questions
National Bk Adams Cnty W Uni has a Bank Health Score of C (52/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. National Bk Adams Cnty W Uni's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 2.16% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at National Bk Adams Cnty W Uni is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #6728). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
National Bk Adams Cnty W Uni holds $108M in total assets and $96M in total deposits. It is headquartered in West Union, Ohio (FDIC Certificate #6728).
National Bk Adams Cnty W Uni has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.16%, and the return on assets is 2.12%.
Yes. National Bk Adams Cnty W Uni is FDIC-insured (Certificate #6728). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
National Bk Adams Cnty W Uni's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.