First Neighborhood Bank, Inc.
Spencer, WV · Cert 6800 · Peer group: banks under $1B in assets (n=557-606) · West-Central Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q1 2026
$160.6MAssets
$75.4MLoans
$145.3MDeposits
$14.1MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 331 of 568).
- Widest gap: net interest margin trails 91% of banks under $1B in assets (rank 549 of 604).
- Overall: at or above the peer median on 2 of 10 directional measures.
Return on Assets
0.25%
Rank 526 of 604
Net Interest Margin
2.49%
Rank 549 of 604
Efficiency Ratio
90.67%
Rank 531 of 603
Equity / Assets
8.77%
Rank 458 of 604
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 12% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.25% | 0.58% | 1.00% | 1.47% | Beats 13% | 526 / 604 | | |
| Return on Equity | 2.81% | 5.38% | 9.60% | 13.62% | Beats 15% | 513 / 604 | | |
| Net Interest Margin | 2.49% | 3.01% | 3.52% | 4.07% | Beats 9% | 549 / 604 | | |
| Efficiency Ratio | 90.67% | 58.15% | 68.01% | 80.27% | Beats 12% | 531 / 603 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.08% | 0.39% | 1.12% | Beats 70% | 168 / 558 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.02% | Beats 30% | 393 / 557 | | |
| Capital |
| Tier 1 Capital Ratio | 10.41% | 11.15% | 13.69% | 18.60% | Beats 15% | 514 / 604 | | |
| Total Risk-Based Capital Ratio | 10.41% | 11.56% | 14.21% | 19.70% | Beats 13% | 525 / 604 | | |
| Equity / Assets | 8.77% | 8.81% | 10.34% | 13.22% | Beats 24% | 458 / 604 | | |
| Liquidity & Funding |
| Loans / Deposits | 51.93% | 63.31% | 78.59% | 92.04% | 13th pctl | 497 / 570 | | |
| Loans / Assets | 46.97% | 50.80% | 66.73% | 77.27% | 21st pctl | 481 / 606 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 3.83% | Beats 100% | 331 / 568 | | |