First Neighborhood Bank, Inc.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 1.80 percentage points in Q1 2026, from 53.73% to 51.93%. It was the largest change from Q4 2025 among the key lines here. On loan-to-deposit ratio, First Neighborhood Bank, Inc. is 2nd from the bottom among 41 West Virginia banks, 51.93% (Q1 2026).
Loan totals
| Line item | Q1 2026 |
|---|---|
| Total loans and leases | $75.4M |
| Net loans and leases | $74.4M |
| Loans held for sale | $0 |
| Loans to total assets | 46.97% |
| Loan-to-deposit ratio | 51.93% |
| Net loans to equity capital | 5.28% |
Portfolio mix (share of total loans)
| Line item | Q1 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.10% |
| Multifamily (5+ residential) | 4.67% |
| Commercial and industrial | 11.70% |
| Consumer | 3.35% |
| Credit cards | 0.00% |
| Farm | 2.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.28% |
Concentration measures
| Line item | Q1 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 60.00% |
| Construction concentration (Tier 1 capital + allowance) | 1.50% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q1 2026 |
|---|---|
| Yield on loans | 5.31% |
| Interest income on loans | $992K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q2 2023 | $90.0M | $144.6M | 24.15% | 15.09% | 4.35% |
| Q3 2023 | $89.0M | $140.4M | 24.22% | 14.12% | 4.45% |
| Q4 2023 | $88.4M | $137.5M | 23.57% | 11.56% | 4.27% |
| Q1 2024 | $87.5M | $135.3M | 23.16% | 10.95% | 3.83% |
| Q2 2024 | $87.2M | $134.9M | 22.31% | 12.53% | 3.87% |
| Q3 2024 | $85.2M | $131.2M | 22.39% | 12.50% | 3.88% |
| Q4 2024 | $84.1M | $141.5M | 21.85% | 13.79% | 3.81% |
| Q1 2025 | $82.1M | $144.1M | 23.44% | 12.33% | 3.55% |
| Q2 2025 | $78.7M | $146.5M | 21.64% | 12.04% | 4.00% |
| Q3 2025 | $76.7M | $139.4M | 21.22% | 12.00% | 4.09% |
| Q4 2025 | $75.6M | $140.7M | 20.61% | 12.03% | 3.70% |
| Q1 2026 | $75.4M | $145.3M | 20.10% | 11.70% | 3.35% |
First Neighborhood Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Neighborhood Bank, Inc., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Neighborhood Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6800) · FFIEC NIC profile (RSSD 911339)