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Neighborhood National Bank

El Cajon, CA · Cert 34548 · Neighborhood Bcorp

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

20

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Neighborhood National Bank

El Cajon, CA · Cert 34548 · Neighborhood Bcorp

National charter · OCC · 2 branches

Q2 2026

$228.0MAssets
$180.1MLoans
$177.7MDeposits
$28.1MEquity
Loan mix
82%RE $145.1M18%C&I $31.4M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $139.2M22%Noninterest $38.5MQ2 2025Q2 2026

NIM

5.42%Q2 ’245.40%Q2 ’255.89%Q2 ’26-1%+14%

Non-interest income vs. expense

3.91%Q2 ’243.31%Q2 ’253.40%Q2 ’26-26%-13%

Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.1% share · #28 of 42 inst. · $0.2B of $135.0B

Executive Summary

  • Earnings: ROA of 0.65%, up 44 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.68% of loans (-41 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 11.63%, down 79 bps from a year ago.
  • Funding: loans stand at 101.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+41 bps YoY

Efficiency Ratio (YTD, annualized)

78.52%-1,526 bps YoY

Tier 1 Leverage Ratio

11.63%-79 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%2.36%1.92%0.59%0.65%+44 bps
Return on Equity1.73%19.11%15.64%4.87%5.33%+360 bps
Net Interest Margin2.94%2.88%3.26%3.10%3.34%+41 bps
Efficiency Ratio93.77%88.53%81.31%79.60%78.52%-1,526 bps
Non-Interest Burden2.72%2.43%2.46%2.22%2.38%-34 bps
Growth
Asset Growth (YoY)30.37%24.44%29.55%20.60%14.29%-1,608 bps
Loan Growth (YoY)27.89%26.19%25.84%21.87%19.45%-845 bps
Deposit Growth (YoY)35.54%27.99%31.11%18.97%7.90%-2,764 bps
Asset Quality
Nonperforming Loans / Loans1.10%1.03%0.44%0.34%0.68%-41 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.06%0.00%0.23%+24 bps
Allowance / Loans1.27%1.23%1.41%1.31%1.16%-11 bps
Allowance Coverage of NPLs1.2x1.2x3.2x3.8x1.7x+0.5x
Capital
Tier 1 Leverage Ratio12.42%11.96%11.81%11.30%11.63%-79 bps
Total Risk-Based Capital12.42%11.96%11.81%11.30%11.63%-79 bps
Equity / Assets11.88%12.77%12.11%12.04%12.34%+46 bps
Liquidity & Funding
Loans / Deposits91.54%90.41%88.98%94.49%101.34%+979 bps
Liquid Assets / Assets7.28%7.31%5.79%6.06%5.82%-146 bps
CRE / Total Capitaln/a507%516%523%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Neighborhood National Bank

El Cajon, CA · Cert 34548 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Neighborhood Bcorp

National charter · OCC · 2 branches

Q2 2026

$228.0MAssets
$180.1MLoans
$177.7MDeposits
$28.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 70% of banks under $1B in assets operating in a single state (rank 222 of 746).
  • Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets operating in a single state (rank 649 of 743).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.65%

Rank 584 of 746

Net Interest Margin

3.34%

Rank 510 of 746

Efficiency Ratio

78.52%

Rank 598 of 746

Equity / Assets

12.34%

Rank 222 of 746

Non-interest income vs. expense

$2.3M$7.6MINCOMEEXPENSE
Unfavorable gap of $5.3M · efficiency ratio beats 20% of banks under $1B in assets operating in a single state
Bank 78.52%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.65%0.72%1.06%1.45%Beats 22%584 / 746
Return on Equity5.25%6.74%10.51%13.63%Beats 19%607 / 746
Net Interest Margin3.34%3.17%3.68%4.16%Beats 32%510 / 746
Efficiency Ratio78.52%55.74%64.58%75.47%Beats 20%598 / 746
Asset Quality
Nonperforming Loans / Loans0.68%0.09%0.42%1.07%Beats 38%458 / 743
Net Charge-Offs / Loans0.12%0.00%0.01%0.05%Beats 13%649 / 743
Capital
Tier 1 Capital Ratio11.63%11.55%13.75%17.60%Beats 26%555 / 746
Total Risk-Based Capital Ratio11.63%11.71%14.33%18.43%Beats 24%569 / 746
Equity / Assets12.34%8.90%10.51%13.06%Beats 70%222 / 746
Liquidity & Funding
Loans / Deposits101.34%61.31%78.27%90.78%91st pctl68 / 746
Loans / Assets79.00%53.60%66.97%76.08%83rd pctl130 / 746
Brokered Deposits / Depositsn/aNot reported for this institution