First Neighborhood Bank

First Neighborhood Bank is a currently active all other under 1 billion banking institution headquartered in Spencer, West Virginia. Established in 02/08/1912, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First Neighborhood Bank manages $160.6M in total assets and holds $145.3M in customer deposits. When evaluating the stability of First Neighborhood Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.77%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.25%, while its Return on Equity (ROE) sits at 2.79%. These metrics result in a moderate health score of 5.1 out of 10, suggesting standard financial stability and adequate capital levels in line with industry averages.