First Neighborhood Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
First Neighborhood Bank, Inc. is an FDIC-insured commercial bank headquartered in Spencer, WV, established in 1912 (FDIC certificate 6800), and it is supervised by the FDIC. At Q1 2026 it reported total assets of $160.6M, up 1.2% from Q1 2025. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.41% at Q1 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6800
- Headquarters
- Spencer, WV
- Established
- 1912
- Total assets, Q1 2026
- $160.6M
- Assets vs Q1 2025
- +1.2%
- Tier 1 leverage ratio, Q1 2026
- 10.41%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 051503323
- Latest call report
- Q1 2026, FFIEC 051 · First Neighborhood Bank, Inc. call report
First Neighborhood Bank, Inc. spends more to run itself than most banks of its size. The Spencer, West Virginia bank had $161 million in assets at March 31, 2026, up 1.2% from a year earlier. It earns about $0.25 a year on every $100 of assets, a small fraction of the median of $1.20 for the 2,694 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 63 cents).
Loans and deposits moved in opposite directions: over the year loans fell 8.1% and deposits rose 0.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.6 million equal 21% of Tier 1 capital, down from 29% a year earlier. Its margin is thin by comparison: it keeps 2.74 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.84 cents).
As of March 31, 2026, First Neighborhood Bank, Inc. reported a return on assets of 0.25%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.64%. The figures come from its call report filed with the FFIEC.
Quarter on quarter (Q4 2025 to Q1 2026), its total assets rose 2.7% to $160.6M, loans fell 0.2% and deposits rose 3.2%. The largest part of its loan book on March 31, 2026 was 1-4 family residential loans, at 56.7% of total loans, ahead of commercial and industrial loans at 11.7%. The FDIC Summary of Deposits lists 5 offices for it, in Spencer, WV, Parkersburg, WV and Ripley, WV; its Spencer 2 offices book 56% of its branch deposits. On its Q1 2026 call report, First Neighborhood Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 216 Market St, Spencer, WV 25276
- County
- Roane
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 8, 1912
- Former names
- First Neighborhood Bank (2006); First National Bank (1998-2006)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $145.3M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $160.4M
- Average total loans
- $74.8M
- Average interest-bearing deposits
- $90.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6800
- Fed RSSD
- 911339
Profitability
Q1 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q1 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Neighborhood Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Neighborhood Bank, Inc.'s total assets moved between a low of $146.4M (Q3 2024) and a high of $161.0M (Q2 2025) from Q2 2023 to Q1 2026, and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q1 2026 with Q1 2025. How these charts are built
$160.6M total assets against $158.7M; $146.5M total liabilities against $145.6M.
$74.4M net loans and leases against $81.0M; $145.3M total deposits against $144.1M.
$35.4M securities against $40.0M; $41.5M cash and balances due against $28.0M.
$1.5M total interest income against $1.5M; $462K total interest expense against $581K.
$999K net interest income against $897K.
$137K total noninterest income against -$85K; $1.0M total noninterest expense against $1.1M.
$7K provision for credit losses against $0.
$99K net income against -$287K.
0.25% return on assets against -0.73%; 2.74% net interest margin against 2.38%.
10.41% tier 1 leverage ratio against 10.56%.
Inside the full First Neighborhood Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q1 2026, its return on assets ran from -0.73% (Q1 2025) to 0.43% (Q4 2025) and its net interest margin ran from 2.38% (Q1 2025) to 2.97% (Q2 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q1 2026 | 10.41% | 0.25% | 0.13% | 0.64% | 2.74% |
| Q4 2025 | 10.82% | 0.43% | 0.10% | 0.48% | 2.66% |
| Q3 2025 | 10.65% | -0.08% | 0.00% | 0.01% | 2.67% |
| Q2 2025 | 10.34% | 0.04% | 0.00% | 0.00% | 2.72% |
| Q1 2025 | 10.56% | -0.73% | 0.02% | 0.10% | 2.38% |
| Q4 2024 | 11.67% | -0.60% | 0.00% | 5.21% | 2.60% |
| Q3 2024 | 11.64% | 0.20% | 0.20% | 6.03% | 2.82% |
| Q2 2024 | 11.45% | 0.32% | 0.14% | 6.15% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2025. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Neighborhood Bank | Spencer , WV | 25276 | $81.4M |
| Parkersburg Branch | Parkersburg , WV | 26104 | $34.4M |
| Ripley Branch | Ripley , WV | 25271 | $25.5M |
| South Parkersburg Office Branch | Parkersburg , WV | 26101 | $5.1M |
| Drive-In Branch | Spencer , WV | 25276 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Mortgage lending (HMDA)
- 20 applications, 13 loans originated, $2.9M originated, across 2 states
- Period: Calendar year 2024. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $832K approved, $832K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Deposit market share, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Neighborhood Bank, Inc.
What are First Neighborhood Bank, Inc.'s total assets?
As of the Q1 2026 filing, First Neighborhood Bank, Inc. reported total assets of $160.6 million in its FFIEC call report.
Where is First Neighborhood Bank, Inc. headquartered?
It is headquartered in Spencer, WV, United States.
When was First Neighborhood Bank, Inc. founded?
It was established in 1912, per the FDIC institution directory.
Is First Neighborhood Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6800). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Neighborhood Bank, Inc.?
First Neighborhood Bank, Inc.'s primary federal regulator is the FDIC.
How many branches does First Neighborhood Bank, Inc. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Neighborhood Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 0.64% in its Q1 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Neighborhood Bank, Inc. previously called?
The charter now named First Neighborhood Bank, Inc. has also operated as First Neighborhood Bank (2006), First National Bank (1998-2006), per FDIC structure-change records.
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