Total Assets
$156M
Total balance-sheet footings
FDIC Cert #6800 · Spencer, West Virginia · Est. 1912
First Neighborhood Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $156M
- Total assets
- D
- Health grade · Weak
- -0.09%
- Return on assets
- 10.8%
- Tier 1 capital
Data updated July 2026
The verdict
First Neighborhood Bank earns a PlainBankData health grade of D (48/100), with well-capitalized at 10.82% Tier 1, -0.09% ROA, 108% efficiency ratio.
- #3,300
- largest of 4,313 FDIC banks by assets
- 23rd
- percentile by asset size, nationally
- 10.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How First Neighborhood Bank's 48/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Neighborhood Bank's composite health score
Tier 1 Capital Ratio (10.82%) 28/40
Return on Assets (ROA) (-0.09%) 0/25
Texas Ratio (0.48%) 20/20
Efficiency Ratio (108.18%) 0/15
48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$141M
Customer-funded liabilities
Net Loans
$75M
Outstanding loan book
Net Income
$-136K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Neighborhood Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Neighborhood Bank's score of 48/100 falls in the highlighted band.
First Neighborhood Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Neighborhood Bank's $156M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.82%
Texas Ratio
0.48%
Equity Capital
$14M
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
-0.09%
Return on Equity (ROE)
-1.01%
Efficiency Ratio
108.18%
What the numbers say about First Neighborhood Bank
First Neighborhood Bank is an FDIC-insured institution (Certificate #6800) headquartered in Spencer, West Virginia, established in 1912. It holds $156M in total assets - 3,300th of 4,313 FDIC-insured banks, $141M in customer deposits, and $75M in net loans. Its capital position: a Tier 1 ratio of 10.82%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.48% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of D (48 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Neighborhood Bank is a community-scale institution -- 32nd of 42 FDIC-insured banks headquartered in West Virginia by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$6M
Interest Income
$386K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Neighborhood Bank reports a Texas Ratio of 0.48% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.48% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First Neighborhood Bank
First Neighborhood Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-136K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Neighborhood Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in West Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Neighborhood Bank (FDIC Cert #6800) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in West Virginia
All West Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| WesBanco Bank, Inc.Wheeling | $27.6B | A | 0.91% |
| City National Bank of West VirginiaCharleston | $6.7B | A | 2.01% |
| MVB Bank, IncFairmont | $3.3B | B | 1.46% |
| Clear Mountain BankBruceton Mills | $985M | A | 1.28% |
| Potomac BankCharles Town | $943M | A | 1.04% |
| Pendleton Community Bank, Inc.Franklin | $814M | B | 1.01% |
| CNB Bank, Inc.Berkeley Springs | $786M | B | 0.78% |
| Citizens Bank of West Virginia, Inc.Elkins | $705M | A | 1.59% |
Frequently asked questions
What is First Neighborhood Bank's health grade?▼
First Neighborhood Bank receives a health grade of D (48/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is First Neighborhood Bank?▼
First Neighborhood Bank holds $156M in total assets and $141M in deposits, ranking 3,300th of 4,313 FDIC-insured banks by asset size. It is headquartered in Spencer, West Virginia.
Is my money safe at First Neighborhood Bank?▼
Yes, deposits at First Neighborhood Bank (Certificate #6800) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Neighborhood Bank's Tier 1 Capital Ratio?▼
First Neighborhood Bank has a Tier 1 Capital Ratio of 10.82%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Neighborhood Bank?▼
First Neighborhood Bank has a Texas Ratio of 0.48%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Neighborhood Bank?▼
First Neighborhood Bank has an Efficiency Ratio of 108.18%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Neighborhood Bank's profile as a depositor or analyst.
- First Neighborhood Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Neighborhood Bank against other West Virginia banks before moving funds. West Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.