First Neighborhood Bank

BankSpencer, West Virginia
www,firstneighborhoodbank.com

Total Assets

$156.4M

Total Deposits

$140.7M

Branches

5

Established

1912

TFS Health Grade

$
F

54.6 / 100

Poor financial health

How we grade

First Neighborhood Bank is a bank headquartered in Spencer, West Virginia, established in 1912. With $156.4M in total assets and 5 branch locations, it has a TFS Financial Health Grade of F (54.6/100).

Capital & Safety

Tier 1 Capital Ratio
10.83%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.10%

Profitability

Return on Assets (ROA)
-0.08%(1%)
Return on Equity (ROE)
-0.88%(10%)
Net Interest Margin
2.73%
Efficiency Ratio
108.18%(60%)

Lending & Liquidity

Total Loans
$75.6M
Loan-to-Deposit Ratio
52.99%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+0.42%
Deposit Growth (YoY)
-0.58%
Net Income
$-119,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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