Banks in Spencer, WV

Bank branch map: Spencer

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 3 banks and credit unions operate 3 locations in Spencer, according to the FDIC. 3 of them have coordinates on record and are on the map. 1 publish opening hours.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Spencer

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Peoples Bank, The Poca Valley Bank and First Neighborhood Bank have the most locations in Spencer, with 1 each. 3 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

First Neighborhood Bank 1 branch · main office Spencer, WV Bank · 1

First Neighborhood Bank has 1 branch in Spencer, 1 across West Virginia and 5 nationwide. FDIC records list its main office in Spencer, WV and show it operating since 1912. With $160.6 million in total assets on March 31, 2026, it ranks No. 3,240 of 4,232 U.S. banks by total assets. Its main office at 216 Market St dates to 1912 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  216 Market St, 25276

  Hours: see the bank's site
  DirectionsWebsite

First Neighborhood Bank: profile, branches and contacts

Peoples Bank 1 branch · main office Marietta, OH Bank · 1

Peoples Bank has 1 branch in Spencer, 26 across West Virginia and 135 nationwide. FDIC records list its main office in Marietta, OH and show it operating since 1902. With $9.53 billion in total assets on June 30, 2026, it ranks No. 169 of 4,232 U.S. banks by total assets. The Spencer Drive Thru Branch at 130 Ripley Rd dates to 1976 in FDIC branch records. It opens on Saturday.

• Spencer Drive Thru Branch

  130 Ripley Rd, 25276

  (304) 927-3384Today 9 am to 4 pm

  All hours

  Mon to Fri 9 am to 4 pm; Sat 9 am to 12 pm; Sun closed

  Hours: Peoples Bank branch locator (All The Places), checked Oct 10, 2026

  DirectionsBranch page

Peoples Bank: profile, branches and contacts

The Poca Valley Bank 1 branch · main office Walton, WV Bank · 1

The Poca Valley Bank has 1 branch in Spencer, 9 across West Virginia and 9 nationwide. FDIC records list its main office in Walton, WV and show it operating since 1908. With $666.2 million in total assets on June 30, 2026, it ranks No. 1,428 of 4,232 U.S. banks by total assets. The Spencer Branch at 1 Black Walnut Ave dates to 2005 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Spencer Branch

  1 Black Walnut Ave, 25276

  Hours: see the bank's site
  DirectionsWebsite

The Poca Valley Bank: profile, branches and contacts

Banking in Spencer: the local picture

Short answer: 3 banks run 3 branches in Spencer according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 3 banks, 1 has its main office in Spencer, 1 elsewhere in West Virginia and 1 out of state, according to the FDIC.

The bank with the longest record here is Peoples Bank, operating since 1902 according to the FDIC. In FDIC branch records, the longest-running branch is First Neighborhood Bank's office at 216 Market St, dating to 1912; the newest is The Poca Valley Bank's at 1 Black Walnut Ave, from 2005.

Of the 1 location with published hours. 1 opens on Saturday. 2 locations have no published hours in these sources.

Banks open on Saturday in Spencer

Short answer: 1 of the 1 Spencer location with published hours opens on Saturday, run by 1 institution.

• Peoples Bank: 1 of 1 branch (130 Ripley Rd: Saturday 9 am to 12 pm)

Bank branches show hours only where the bank publishes them in a source this page uses; 2 of the 3 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.

Chase, Bank of America and other national banks

Which big national banks have branches in Spencer, and where the nearest one is if they do not.

Short answer: No branches in Spencer: Chase (nearest in Elkview, 26 mi), Wells Fargo, Bank of America, PNC Bank (nearest in Morgantown, 96 mi), U.S. Bank, Truist (nearest in Ripley, 20 mi), Fifth Third Bank (nearest in Charleston, 35 mi), Huntington (nearest in Harrisville, 32 mi), Regions Bank, TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Spencer to the nearest branch in West Virginia.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Spencer residents like anyone else.

Banks near Spencer

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Elizabeth (18 miles) and Ripley (20 miles). Ripley, 20 miles away, has the most banks nearby: 4.

Bank branch openings and closings in Spencer

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Spencer between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Banks and credit unions based in Spencer

Short answer: 1 institution has its main office in Spencer: First Neighborhood Bank.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Spencer by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Spencer offices.

Short answer: Peoples Bank is the largest bank with offices in Spencer, with $9.53 billion in total assets on June 30, 2026, No. 169 among U.S. banks by total assets. The Poca Valley Bank is second with $666.2 million. 1 of the 3 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Spencer: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.