WEST-CENTRAL BCORP INC is the bank holding company. FIRST NEIGHBORHOOD BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

WEST-CENTRAL BCORP INC

Legal name: WEST-CENTRAL BANCORP, INC.

1 active bank · $161M combined assets

RSSD ID: 1076169 (FFIEC NIC)

Combined Assets

$161M

CRA Rating Summary

Satisfactory1charter

Across all 3 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST NEIGHBORHOOD BANKSPENCER, WVSatisfactory$161MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$161M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$145M

Net Income

$99K

ROA (avg)

0.25%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

65%

Denial Rate

30%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST NEIGHBORHOOD BANK	SPENCER, WV	FDIC	$161M	100.0%	Satisfactory	Nov 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.