First Neighborhood Bank
Spencer, WV
IDRSSD: 911339
Total Assets
$156.42M
Latest filing
Total Deposits
$140.72M
Latest filing
Net Interest Margin
2.75%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
051503323SPENCER, WV
Key People
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Locations
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Main Office
First Neighborhood Bank
216 Market St
Spencer, WV 25276
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/08/1912FDIC Certificate 4572
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First Neighborhood Bank (Main) | 216 Market St | Spencer, WV |
| DRIVE-IN BRANCH | 334 Main St | Spencer, WV |
| PARKERSBURG BRANCH | 4416 Emerson Ave | Parkersburg, WV |
| SOUTH PARKERSBURG OFFICE BRANCH | 500 Division St | Parkersburg, WV |
| RIPLEY BRANCH | 245 Church St S | Ripley, WV |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 02/08/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 25276 |
| State and County Number | 54087 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 36 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/02/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.firstneighborhoodbank.com |
| Data Updated | 01/30/2026 |
| CERT | 6800 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $156.42M |
| Total Deposits | $140.72M |
| Total Liabilities | $142.13M |
| Total Equity Capital | $14.29M |
| Net Income | $182.00k |
| Net Loans and Leases | $74.58M |
| Assets Per Employee ($Millions) | $4.35M |
| Bank Premises and Fixed Assets | $2.75M |
| Cash and Balances due from Depository Institutions | $5.00M |
| Deposits Held in Domestic Offices | $140.72M |
Key Performance Ratios
| Return on Assets (ROA) | 0.47% |
| Return on Equity (ROE) | 5.17% |
| Net Interest Margin | 2.75% |
| Efficiency Ratio | 104.71% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.136% |
| Earning Assets to total Assets | 91.3% |
Income and Expense
| Total Interest Income | $1.49M |
| Total Noninterest Income | $151.00k |
| Total Interest Expense | $519.00k |
| Total Noninterest Expense | $1.18M |
| Net Interest Income | $974.00k |
| Pre-tax Net Operating Income | $-55,000 |
| Provision for Credit Losses | $2.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $30.63M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.41M |
| Total Liabilities and Capital | $156.42M |
Securities
| Securities | $36.87M |
| Available-for-sale debt securities | $36.87M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First Neighborhood Bank?
$156.42M as of the latest filing.
How much are First Neighborhood Bank's total deposits?
$140.72M in total deposits.
Where is First Neighborhood Bank located?
Spencer, WV.
What is the Net Interest Margin?
2.75%.
How many domestic offices does it operate?
5.
When was it established?
02/08/1912.
What is the Return on Assets (ROA)?
0.47%.
How much are total loans and leases?
$74.58M (latest filing).
What is the total interest income (latest filing)?
$1.49M.