First Neighborhood Bank
Spencer, WV · Owner: West-Central Bcorp Inc
$161M
total assets, March 31, 2026
$161M
total assets, March 31, 2026
First Neighborhood Bank is a state nonmember bank based in Spencer, WV, owned by West-Central Bcorp Inc. As of March 31, 2026 it held $160.6 million in assets and $145.3 million in deposits; assets were up 1.2% from a year before. It has 5 branches.
Updated Oct 11, 2026 · numbers as of March 31, 2026
Total assets
$161M
+1.2% in a year · +2.7% in a quarter
Deposits
$145M
+0.8% in a year · +3.2% in a quarter
Loans
$75.4M
-8.1% in a year · -0.2% in a quarter
Profit so far
$99K
Jan 1 to Mar 31, 2026
Capital ratio
10.41%
-0.14 pts in a year
Return on assets
0.25%
+0.98 pts in a year
Facts
- Type
- State nonmember bank
- Head office
- 216 Market St, Spencer, WV, 25276
- County
- Roane
- Holding company
- West-Central Bcorp Inc
- Established
- Feb 8, 1912
- Employees
- 33
- Branches
- 5
- Id
- b6800
Quarter by quarter
March 31, 1984 to March 31, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
Data is being prepared
Related pages
Questions and answers
How big is First Neighborhood Bank?
$160.6 million in total assets and $145.3 million in deposits as of March 31, 2026, with assets up 1.2% from a year before. Its loans were $75.4 million.
How many branches does First Neighborhood Bank have?
5 branches in West Virginia as of June 30, 2026.
Is First Neighborhood Bank profitable?
Yes: it earned $99,000 from January 1 to March 31, 2026. Its return on assets was 0.25% a year; about 1% is typical.
Who owns First Neighborhood Bank?
First Neighborhood Bank is owned by West-Central Bcorp Inc, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.