El Cajon, CA · Cert 34548 · Neighborhood Bcorp
National charter · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
40
Asset Quality
26
Profitability
24
Liquidity
0
Efficiency
20
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.
El Cajon, CA · Cert 34548 · Neighborhood Bcorp
National charter · OCC · 2 branches
Q2 2026
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.1% share · #28 of 42 inst. · $0.2B of $135.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.75% | -0.70% | 0.06% | 0.21% | 2.36% | 1.92% | 0.59% | 0.65% | +44 bps | |
| Return on Equity | -5.74% | -5.39% | 0.46% | 1.73% | 19.11% | 15.64% | 4.87% | 5.33% | +360 bps | |
| Net Interest Margin | 2.90% | 2.87% | 3.01% | 2.94% | 2.88% | 3.26% | 3.10% | 3.34% | +41 bps | |
| Efficiency Ratio | 120.63% | 119.18% | 98.36% | 93.77% | 88.53% | 81.31% | 79.60% | 78.52% | -1,526 bps | |
| Non-Interest Burden | 3.58% | 3.49% | 2.95% | 2.72% | 2.43% | 2.46% | 2.22% | 2.38% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.51% | 18.83% | 26.24% | 30.37% | 24.44% | 29.55% | 20.60% | 14.29% | -1,608 bps | |
| Loan Growth (YoY) | 25.11% | 12.87% | 24.00% | 27.89% | 26.19% | 25.84% | 21.87% | 19.45% | -845 bps | |
| Deposit Growth (YoY) | 28.28% | 16.94% | 32.25% | 35.54% | 27.99% | 31.11% | 18.97% | 7.90% | -2,764 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.03% | 1.89% | 1.15% | 1.10% | 1.03% | 0.44% | 0.34% | 0.68% | -41 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | -0.01% | -0.01% | -0.01% | -0.06% | 0.00% | 0.23% | +24 bps | |
| Allowance / Loans | 1.57% | 1.48% | 1.32% | 1.27% | 1.23% | 1.41% | 1.31% | 1.16% | -11 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.8x | 1.1x | 1.2x | 1.2x | 3.2x | 3.8x | 1.7x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.07% | 13.40% | 12.56% | 12.42% | 11.96% | 11.81% | 11.30% | 11.63% | -79 bps | |
| Total Risk-Based Capital | 20.48% | 13.40% | 12.56% | 12.42% | 11.96% | 11.81% | 11.30% | 11.63% | -79 bps | |
| Equity / Assets | 13.40% | 12.88% | 11.79% | 11.88% | 12.77% | 12.11% | 12.04% | 12.34% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.69% | 92.71% | 92.25% | 91.54% | 90.41% | 88.98% | 94.49% | 101.34% | +979 bps | |
| Liquid Assets / Assets | 8.83% | 7.52% | 7.35% | 7.28% | 7.31% | 5.79% | 6.06% | 5.82% | -146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 507% | 516% | 523% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.72% | 1.06% | 1.45% | Beats 22% | 584 / 746 | ||
| Return on Equity | 5.25% | 6.74% | 10.51% | 13.63% | Beats 19% | 607 / 746 | ||
| Net Interest Margin | 3.34% | 3.17% | 3.68% | 4.16% | Beats 32% | 510 / 746 | ||
| Efficiency Ratio | 78.52% | 55.74% | 64.58% | 75.47% | Beats 20% | 598 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.09% | 0.42% | 1.07% | Beats 38% | 458 / 743 | ||
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 13% | 649 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.63% | 11.55% | 13.75% | 17.60% | Beats 26% | 555 / 746 | ||
| Total Risk-Based Capital Ratio | 11.63% | 11.71% | 14.33% | 18.43% | Beats 24% | 569 / 746 | ||
| Equity / Assets | 12.34% | 8.90% | 10.51% | 13.06% | Beats 70% | 222 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.34% | 61.31% | 78.27% | 90.78% | 91st pctl | 68 / 746 | ||
| Loans / Assets | 79.00% | 53.60% | 66.97% | 76.08% | 83rd pctl | 130 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||