First Neighborhood Bank is a bank based in Spencer, West Virginia, established in 1912, with $161 million in total assets across 5 branches. By Trust Grade it ranks 32nd of 41 banks we track in West Virginia. Its capital ratio of 8.8% trails most similarly sized banks (25th percentile), versus a West Virginia median of 10.1%. It was profitable over the most recent period, with a 0.25% return on assets. No consumer complaints against First Neighborhood Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First Neighborhood Bank compares to West Virginia peers
How we graded First Neighborhood Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.8% capital ratio)
- Profitable (ROA 0.25%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First Neighborhood Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 334 Main St, Spencer, WV 25276
- 4416 Emerson Ave, Parkersburg, WV 26104
- 500 Division St, Parkersburg, WV 26101
- 216 Market St, Spencer, WV 25276
- 245 Church St S, Ripley, WV 25271
Are deposits at First Neighborhood Bank insured?
Yes. First Neighborhood Bank is an FDIC-insured bank (FDIC certificate #6800). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First Neighborhood Bank: frequently asked questions
Is First Neighborhood Bank a good bank?
First Neighborhood Bank earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (8.8% capital ratio); Profitable (ROA 0.25%).
Is First Neighborhood Bank FDIC-insured?
Yes. First Neighborhood Bank is a FDIC-insured bank (FDIC certificate #6800). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First Neighborhood Bank?
First Neighborhood Bank holds $161 million in total assets, ranking 32nd of 41 banks we track in West Virginia. It operates 5 branches.
Does First Neighborhood Bank have CFPB complaints?
No CFPB complaints against First Neighborhood Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
