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
Unfavorable gap of $5.3M · efficiency ratio beats 20% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |