BlastPoint's Banking Scorecard
First Neighborhood Bank
Spencer, WV
5 branches across WV
First Neighborhood Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.87% above tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.7% in tier
- - Capital Thin: Bottom 25.8% in tier
- - Return on Assets 1.02% below tier average
- - Net Interest Margin 1.17% below tier average
- - Efficiency Ratio 25.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$160.6M
+1.2% YoY
+2.7% QoQ
|
-$225.5M |
$386.1M
+0.5% YoY
|
$1.2B
+2.9% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$74.4M
-8.2% YoY
-0.2% QoQ
|
-$181.3M |
$255.7M
+1.1% YoY
|
$864.0M
+4.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.0% in tier |
| Total Deposits ? |
$145.3M
+0.8% YoY
+3.2% QoQ
|
-$182.7M |
$328.0M
+0.1% YoY
|
$1.0B
+3.7% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
0.25%
+134.2% YoY
+389.0% QoQ
|
-1.02% |
1.27%
+12.9% YoY
|
0.95%
+29.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.1% in tier |
| Net Interest Margin ? |
2.76%
+9.9% YoY
+1.0% QoQ
|
-1.17% |
3.93%
+6.0% YoY
|
3.79%
+9.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio ? |
90.67%
-33.0% YoY
-16.2% QoQ
|
+25.38% |
65.29%
-4.5% YoY
|
70.57%
-7.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate ? |
0.13%
+654.5% YoY
+31.4% QoQ
|
-0.76% |
0.89%
+18.8% YoY
|
0.74%
+24.2% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
51.21%
-8.9% YoY
-3.4% QoQ
|
-25.43% |
76.64%
+0.8% YoY
|
78.35%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 10.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.89%
+4.9% YoY
+6.7% QoQ
|
+15.87% |
22.02%
-1.0% YoY
|
26.63%
-0.0% YoY
|
22.01%
-1.2% YoY
|
Top 6.6% in tier |
| Nonperforming Asset Ratio ? |
0.06%
+584.5% YoY
+27.6% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.57%
+21.1% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
10.57%
+0.1% YoY
-2.3% QoQ
|
-5.26% |
15.83%
+1.5% YoY
|
14.22%
+0.9% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.09%
+259.2% YoY
-65.4% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.14%
-2.1% YoY
|
0.32%
+4.1% YoY
|
43% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.