FIRST NEIGHBORHOOD BANK
SPENCER, WEST VIRGINIA · FDIC Cert #6800
Capital & Safety Analysis
According to FDIC financial data, FIRST NEIGHBORHOOD BANK holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FIRST NEIGHBORHOOD BANK to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FIRST NEIGHBORHOOD BANK shows average financial health. While not alarming, its Health Score of 55/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FIRST NEIGHBORHOOD BANK has a Bank Health Score of C (55/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FIRST NEIGHBORHOOD BANK holds $149M in total assets and $135M in total deposits. It is located in SPENCER, WEST VIRGINIA (FDIC Certificate #6800).
FIRST NEIGHBORHOOD BANK has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.14%, and the return on assets is -0.21%.
Yes. FIRST NEIGHBORHOOD BANK is FDIC-insured (Certificate #6800). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.