West Union Bank vs Whitesville State Bank
Side-by-side bank health comparison using FDIC financial data
Verdict
West Union Bank has a stronger Bank Health Score of 92/100 (A) compared to Whitesville State Bank at 91/100 (A), a difference of 1 points. West Union Bank holds a Tier 1 capital ratio of 14.19% and an NPL ratio of 0.05%.
| Metric | West Union Bank | Whitesville State Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 92/100 (A)* | 91/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 14.2% | 16.4%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.1%* | 0.5% |
| Liquidity Ratio Cash and liquid assets vs obligations | 46.5%* | 41.3% |
| Return on Assets Profitability metric (above 1% is strong) | 0.6%* | 0.4% |
| Total Assets | $260M | $131M |
| Total Deposits | $232M | $122M |
| Location | West Union, West Virginia | Whitesville, West Virginia |
West Union Bank has a stronger Bank Health Score of 92/100 (A) compared to Whitesville State Bank at 91/100 (A), a difference of 1 points. West Union Bank holds a Tier 1 capital ratio of 14.19% and an NPL ratio of 0.05%.