First Neighborhood Bank
Spencer, WV
IDRSSD: 911339
Total Assets
$154.66M
Latest filing
Total Deposits
$139.41M
Latest filing
Net Interest Margin
2.78%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
First Neighborhood Bank
216 Market St
Spencer, WV 25276
Full Service - Brick and Mortar
Updated 11/14/2025Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The Harrison County Bank
Lost Creek, West Virginia
→
Assets: $152.30MΔ -5.4%
The Fayette County National Bank of Fayetteville
Fayetteville, West Virginia
→
Assets: $149.53MΔ -7.1%
Guaranty Bank Inc.
Williamson, West Virginia
→
Assets: $140.92MΔ -12.5%
Pioneer Community Bank, Inc.
Iaeger, West Virginia
→
Assets: $181.31MΔ +12.6%
Whitesville State Bank
Whitesville, West Virginia
→
Assets: $133.95MΔ -16.8%
Clay County Bank, Inc.
Clay, West Virginia
→
Assets: $131.98MΔ -18.0%
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 | 34 |
| 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 | 11/14/2025 |
| CERT | 6800 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $154.66M |
| Total Deposits | $139.41M |
| Total Liabilities | $140.79M |
| Total Equity Capital | $13.87M |
| Net Income | $-31,000 |
| Net Loans and Leases | $75.63M |
| Assets Per Employee ($Millions) | $4.3M |
| Bank Premises and Fixed Assets | $2.68M |
| Cash and Balances due from Depository Institutions | $5.40M |
| Deposits Held in Domestic Offices | $139.41M |
Key Performance Ratios
| Return on Assets (ROA) | -0.08% |
| Return on Equity (ROE) | -0.92% |
| Net Interest Margin | 2.78% |
| Efficiency Ratio | 102.49% |
| 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 | 8.966% |
| Earning Assets to total Assets | 91.05% |
Income and Expense
| Total Interest Income | $1.52M |
| Total Noninterest Income | $165.00k |
| Total Interest Expense | $515.00k |
| Total Noninterest Expense | $1.20M |
| Net Interest Income | $1.00M |
| Pre-tax Net Operating Income | $-31,000 |
| Provision for Credit Losses | $2.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $25.73M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.38M |
| Total Liabilities and Capital | $154.66M |
Securities
| Securities | $38.73M |
| Available-for-sale debt securities | $38.73M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$154.66M as of the latest filing.
How much are First Neighborhood Bank's total deposits?
$139.41M in total deposits.
Where is First Neighborhood Bank located?
Spencer, WV.
What is the Net Interest Margin?
2.78%.
How many domestic offices does it operate?
5.
When was it established?
02/08/1912.
What is the Return on Assets (ROA)?
-0.08%.
How much are total loans and leases?
$75.63M (latest filing).
What is the total interest income (latest filing)?
$1.52M.