# FIRST NEIGHBORHOOD BANK
SPENCER, WV · FDIC certificate 6800 · asset band <$300M · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $160.6M | |
| Deposits | $145.3M | |
| Loans and leases | $75.4M | |
| Total equity | $14.1M | |
| Loans / deposits | 51.21% (p22 of band) | 72.28% |
| Liquid assets / assets | 47.82% (p74 of band) | |
| Uninsured deposits / deposits | 23.45% (p64 of band) | 19.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.41% (p33 of band) | 11.62% |
| Unrealized securities loss / equity | -25.45% (p18 of band) | -7.15% |
| AOCI / equity | -0.76% (p37 of band) | |
| ROA (annualized) | 0.25% (p13 of band) | 1.12% |
| Net interest margin | 2.76% (p9 of band) | 3.86% |
| Efficiency ratio | 90.67% (p88 of band) | |
| Noncurrent loans | 0.13% (p37 of band) | 0.34% |
| Net charge-offs (annualized) | 0.01% (p72 of band) | |
| Reserve coverage of noncurrent | 1072.16% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 1.89% (p22 of band) | |
| Auto loans | $1.1M (1.48% of loans; DQ 2.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 33 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | charge-offs p90, deposits shrinking |  |
| 2018-03 | 0 |  | charge-offs p90, deposits shrinking |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, charge-offs p90 |  |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2024-12 | 3 | expense ratio p90 | deposits shrinking |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 2 |  | securities losses >30% of equity, capital falling |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | losing money, expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-03 [REV Federal Credit Union arrives in West Virginia with acquisition of First Neighborhood Bank - The Parkersburg News and Sentinel](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPRV8yLTVGYVVOTWtaSTY4ZEM0NDBVWTQ1LVY0TTJlQWVxMGRoTjlwOTZjem5fNkNpeHExR0ZWbzJFeE5ZWEJKTUUtTS1UcTMtY1hSZFJ1emxrODhQMnBIMTNseUVEbzM1QTlKTlhPV2pYcnpOVVZ5UlpXVHJGeDdmaDVWVE9taG1ZQW4teHpVQVBZWjNzeDlrWGZmY0RuY2ZfME1QWWlWRl9kY1BsaHZOOHRUbXZpQTVjQTh3TmJ3eV9lUTJfckp4T0M0UTNSRE1zOTJPRHdZck1wWldCTGdEOXl3?oc=5) · The Parkersburg News and Sentinel
- 2026-01-12 [2025 Credit Union-Bank Acquisition Deals Decline From Record High in 2024 - CUTimes](https://news.google.com/rss/articles/CBMirgFBVV95cUxOZXk2amFNTTN6Tml0YXFNTVUzdTA4OHdYYkpQS2F1VjJ0UE8wYzVCRHRfOG9tOExuN29wcWRYWHJwcjN5Z1dUWDlNVEJFYkp3WlJ4U2dUNHVYbC1yUXloYVR0WjQwVG1kQjhyRUh3MzFxWFdSaXJxSTJZbEdQVnVhMkJ5YkNNOW4zZWluTWstRUF6VnNvZnRVeVVjQVRuVXcxRjZlSTd0ZG5yYzNTTHc?oc=5) · CUTimes
- 2024-09-05 [REV Credit Union to buy West Virginia bank - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQWEN4LUg5clpwOXJkMHI0WUM2VExfd1J0U1RleWIzX3p1Y1UwZ3lNbTBuUlVXNEFnaS1RZDQyckF1MUhQNnJzT1lxcXlIM254cFdweE1jYU5ZUGxOdU56Sld4c0ExaGphNzVVUC1jSjMtd0ZDaEhTVVp0bUVZZVdxU2tYbjM2ei1EY0N5em1UMzFKVkFWOThZWnVUWXVjUkVzVktxMHRNMHc?oc=5) · Banking Dive
- 2024-09-03 [REV FCU Reaches Out of State to Buy First Neighborhood Bank - cutoday.info](https://news.google.com/rss/articles/CBMinAFBVV95cUxPLWtjVndXaWNJWGFwaEh5emNuZ3MyYVVNcTVLd3B4QUlUSzFHSnVsbjE3Qlhlb0JvNlg5Ni1DRUVNWW81Sm52SHh2MnNvbjVmeFItQTZTTGN1RnRBRlpTMnh2NnE2RkJ1YTViSFlwcnlnblJ4Tm05aFRHYUx1cEdUWUd2VXFJbUtZMXY1VDZmRk5lWEF3SHR4NUxFcjQ?oc=5) · cutoday.info
- 2025-01-02 [How many credit unions acquired banks in 2024? An industry M&A analysis | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQRXVobmhmLTlwUVhUSGhzUFNydE44NGZZekt6VlJsa0E0a2cxOV9fTEgwa2tHV0dpTXIxSEI2NUxQTERjeDNLSUlfWkJ4QXdzQzJ4QU9fN2RSUjVpTmJGQmJQSmxJd3NXQ04zSXJWMDU0cC1VenNxcXM4Y3hGXzUwUTAzYzZzeGtzeWU0X2RKN1RVWjhCaUg2QVl4U0xOV01vcUVrOTR1dHFYbTFiMmR0QWtkSzI2TzlLYzJn?oc=5) · American Banker
- 2024-09-08 [SC credit union is taking a bank shot in a first for the Palmetto State - Post and Courier](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQRmN5NWNwUEpaR0lTdXliVkQ5NHByb3lUbUxrTUI2Y2hwem1MamROVTFBcGx4eWllNE56MU1ZR0VPQnZWWXNiRGNPM0w3WG5UOFBFOWFfMUdkR0V4WEIzbDE4T2ZmV1BBVXRwc0t6aWw0N0xQcmJYS1dXMVJSeXNiSU5COHhENkdTbEFnU2p0aVZoQndMWUthaVo4eVFaYjBMMzBVQ1NMcm54akhiTnlWV2pKS1pYanloa0c0SWJON0hFejdYbTRQZ1JxYXk2WlJ5SXJOb0lHNA?oc=5) · Post and Courier
- 2024-09-27 [2024 Board of Directors of the Chamber of Commerce of the Mid-Ohio Valley - - Marietta Times](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQNS1UTDNxN0VaYjhOVVJreFVtXzE3SVE0ODR1UWNYTDRLbUs5Qk5JeTNnS2pOcEQzdjhpVWNNWC1VN2EzcVdkVzgxTFc5cG5TV0JrN1ZSdV96UFJ1ZnRWekhVV09MOVNrczB6bkJ4UjRKSGFGVDRSRWJpVThKa2JKT1E2d0lWZWl3YTlkeGw1eDBkTWZfMmRkaDJ0ZHhDWXJVdnVjNml4ZGUyblFuR0NKc3hna1BXeGp4?oc=5) · Marietta Times
- 2024-06-24 [Credit unions have been buying up banks. Here’s a running list from 2024. - Banking Dive](https://news.google.com/rss/articles/CBMie0FVX3lxTFBOREJfRnRFejN3SWJuYmNiR0NuUUpINThmcE5BbFcxX0xUZnNLRm9ieEw1Uldjb1o3em9FLU4tUjhNV2V6Rm5aZHl6ZFVXZ050dFFOWFV3YjVLX3lBbGxMZFZTX25YSXMwNFMtVDhJZjJqM2NYem9yTGhTMA?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6800 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "6800", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide