BlastPoint's Banking Scorecard
First Neighborhood Bank
Micro
Specialty: Other
WV
FDIC cert 6800
Designations: ✓ Community bank
Spencer, WV
2498
banks in Micro tier nationally
29 in WV
View Micro leaderboard (WV) →
First Neighborhood Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.16% below tier
- - Net Interest Margin 1.12% below tier
- - Efficiency Ratio 40.46% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.4M
+0.4% YoY
+1.1% QoQ
|
-$61.1M |
$217.5M
+2.3% YoY
|
$1.2B
+25.2% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$74.6M
-10.2% YoY
-1.4% QoQ
|
-$64.6M |
$139.2M
+2.8% YoY
|
$864.4M
+27.4% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$140.7M
-0.6% YoY
+0.9% QoQ
|
-$42.9M |
$183.7M
+1.8% YoY
|
$1.0B
+25.2% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
-0.08%
+62.4% YoY
+70.3% QoQ
|
-1.16% |
1.08%
+14.7% YoY
|
0.91%
+18.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
2.73%
-5.2% YoY
-0.1% QoQ
|
-1.12% |
3.85%
+6.6% YoY
|
3.71%
+8.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
108.18%
+4.9% YoY
-1.1% QoQ
|
+40.46% |
67.73%
-4.8% YoY
|
69.56%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? | 0.10% | -0.54% |
0.64%
+24.4% YoY
|
0.65%
+52.5% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
52.99%
-9.7% YoY
-2.3% QoQ
|
-21.53% |
74.53%
+0.5% YoY
|
79.26%
+0.2% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
35.52%
+0.8% YoY
+1.5% QoQ
|
+13.12% |
22.39%
-1.3% YoY
|
26.49%
+6.8% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-89.8% YoY
|
-0.41% |
0.45%
+25.1% YoY
|
0.49%
+34.0% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.84%
+3.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.25%
-39.2% YoY
+62.4% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.59%
-6.5% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.08%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.73%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
108.18%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.52% · Tier avg: 22.39%
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.99% · Tier avg: 74.53%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Total Deposits
Current: $140.7M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $156.4M · Tier avg: $217.5M
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
31
31th pctile
Total Loans
Current: $74.6M · Tier avg: $139.2M
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
6
6th pctile
Return on Assets
Current: -0.08% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 108.18% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 108.18% · Tier avg: 67.73%
6
6th pctile
Return on Assets
Current: -0.08% · Tier avg: 1.08%
9
9th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.85%
31
31th pctile
Total Loans
Current: $74.6M · Tier avg: $139.2M
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
40
40th pctile
Total Assets
Current: $156.4M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $140.7M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.99% · Tier avg: 74.53%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 35.52% · Tier avg: 22.39%