West Union Bank
West Union, WV
IDRSSD: 22730
Total Assets
$295.81M
Latest filing
Total Deposits
$268.49M
Latest filing
Net Interest Margin
3.39%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
West Union Bank
212 Main St
West Union, WV 26456
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1893FDIC Certificate 1607
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| West Union Bank (Main) | 212 Main St | West Union, WV |
| PENNSBORO BRANCH | 101 Eagle Dr | Pennsboro, WV |
| SALEM BRANCH | 1 Westgate Center | Salem, WV |
| HARRISVILLE BRANCH | 201 E Main St | Harrisville, WV |
| NEWPOINTE PLAZA SHOPPING CENTER BRANCH | 320 Emily Dr | Clarksburg, WV |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/01/1893 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 26456 |
| State and County Number | 54017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Clarksburg, WV |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.westunionbank.com |
| Data Updated | 11/14/2025 |
| CERT | 2452 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $295.81M |
| Total Deposits | $268.49M |
| Total Liabilities | $277.32M |
| Total Equity Capital | $18.49M |
| Net Income | $667.00k |
| Net Loans and Leases | $136.78M |
| Assets Per Employee ($Millions) | $6.29M |
| Bank Premises and Fixed Assets | $2.85M |
| Cash and Balances due from Depository Institutions | $15.52M |
| Deposits Held in Domestic Offices | $268.49M |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 16.03% |
| Net Interest Margin | 3.39% |
| Efficiency Ratio | 69.9% |
| Tier 1 Risk-Based Capital Ratio | 14.516% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.251% |
| Earning Assets to total Assets | 94.56% |
Income and Expense
| Total Interest Income | $3.49M |
| Total Noninterest Income | $291.00k |
| Total Interest Expense | $1.16M |
| Total Noninterest Expense | $1.83M |
| Net Interest Income | $2.33M |
| Pre-tax Net Operating Income | $760.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $159.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $162.00k |
| Federal Funds Purchased and Repurchased Agreement | $7.13M |
| All Other Liabilities | $1.54M |
| Total Liabilities and Capital | $295.81M |
Securities
| Securities | $131.94M |
| Available-for-sale debt securities | $131.94M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of West Union Bank?
$295.81M as of the latest filing.
How much are West Union Bank's total deposits?
$268.49M in total deposits.
Where is West Union Bank located?
West Union, WV.
What is the Net Interest Margin?
3.39%.
How many domestic offices does it operate?
5.
When was it established?
04/01/1893.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$136.78M (latest filing).
What is the total interest income (latest filing)?
$3.49M.