FIRST NEIGHBORHOOD BANK, INC.

SPENCER, WV | Small | Est. Feb. 8, 1912, midnight | FDIC #6800 | RSSD #911339 | FDIC
Latest Report: 2025-12-31

FIRST NEIGHBORHOOD BANK, INC. is asn small FDIC-insured commercial bank headquartered in SPENCER, WV, established in Feb. 8, 1912, midnight. As of 2025-12-31, the bank reported total assets of $156M and total deposits of $141M. Profitability stands at 0.47% ROA and 5.17% ROE, with a net interest margin of 2.72%. The bank's CET1 capital ratio is 9.14%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #6800.

Assets

$156M

Deposits

$141M

Loans

$76M

Equity

$14M

Profitability

Return on Assets (ROA) 0.47%
Return on Equity (ROE) 5.17%
Net Interest Margin (NIM) 2.72%
Yield on Assets 4.17%
Cost of Funds 1.48%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 9.14%
Tier 1 Capital 9.14%
Total Capital Ratio 9.59%
Leverage Ratio 10.83%
Loan-to-Deposit 53.73%

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