Bank Safety Analysis
Is First Neighborhood Bank, Inc. Safe?
First Neighborhood Bank, Inc. meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. Analysis based on the Q1 2026 call report.
Compared with Q4 2025, return on assets fell 0.18 percentage points in Q1 2026 to 0.25%, the biggest move on this page. Within West Virginia, First Neighborhood Bank, Inc. is 22nd of 41 on leverage ratio, 10.41% as of Q1 2026, below the middle of the field. From Q2 2023 to Q1 2026, First Neighborhood Bank, Inc.'s Texas ratio ranged between 0.00% (Q2 2025) and 6.69% (Q1 2024). Compared with Q1 2025, First Neighborhood Bank, Inc.'s noncurrent loans to total loans from 0.00% to 0.00%, Texas ratio from 0.10% to 0.64%, return on assets from -0.73% to 0.25% in Q1 2026.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
Leverage ratio of 10.41% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 10.41% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.00% are within industry-normal range.
Texas Ratio of 0.6% is well below the 100% historical failure threshold.
Efficiency ratio of 89.4% is elevated, suggesting cost-to-revenue pressure.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q1 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 0.64% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.00% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 51.93% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 60.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q1 2026 | 0.64% |
| Q4 2025 | 0.48% |
| Q3 2025 | 0.01% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.10% |
| Q4 2024 | 5.21% |
| Q3 2024 | 6.03% |
| Q2 2024 | 6.15% |
| Q1 2024 | 6.69% |
| Q4 2023 | 5.22% |
| Q3 2023 | 5.87% |
| Q2 2023 | 5.59% |
First Neighborhood Bank, Inc. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Mar 31, 2026 | — | 0.00% | 0.64% | 0.25% |
| Dec 31, 2025 | — | 0.00% | 0.48% | 0.43% |
| Sep 30, 2025 | — | 0.00% | 0.01% | -0.08% |
| Jun 30, 2025 | — | 0.00% | 0.00% | 0.04% |
| Mar 31, 2025 | — | 0.00% | 0.10% | -0.73% |
| Dec 31, 2024 | — | 0.00% | 5.21% | -0.60% |
| Sep 30, 2024 | — | 0.00% | 6.03% | 0.20% |
| Jun 30, 2024 | — | 0.00% | 6.15% | 0.32% |
| Mar 31, 2024 | — | 0.00% | 6.69% | -0.73% |
| Dec 31, 2023 | — | 0.00% | 5.22% | -0.12% |
| Sep 30, 2023 | — | 0.00% | 5.87% | 0.37% |
| Jun 30, 2023 | — | 0.00% | 5.59% | 0.48% |
Banks with a similar risk profile
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Frequently asked
Is First Neighborhood Bank, Inc. FDIC insured?
Yes. First Neighborhood Bank, Inc. is an FDIC-insured commercial bank (FDIC Certificate #6800). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is First Neighborhood Bank, Inc. well capitalized?
Yes. First Neighborhood Bank, Inc. reports a Community Bank Leverage Ratio of 10.41%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is First Neighborhood Bank, Inc.'s nonperforming loan ratio?
As of the most recent call report, First Neighborhood Bank, Inc.'s nonperforming loan ratio is 0.00%. Nonperforming loans at 0.00% are within industry-normal range.
What is First Neighborhood Bank, Inc.'s Texas Ratio?
First Neighborhood Bank, Inc.'s Texas Ratio is 0.64%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 6800) · FFIEC NIC profile (RSSD 911339)
Explore: Full First Neighborhood Bank, Inc. profile · Other banks in WV · Metric glossary · How the call report works