Neighborhood National Bank (El Cajon, CA)
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Data as of · sourced from FFIEC call reports. How we update
Neighborhood National Bank is an FDIC-insured commercial bank headquartered in El Cajon, CA, established in 1997 (FDIC certificate 34548), and it is supervised by the OCC. At Q2 2026 it reported total assets of $228.0M, up 14.3% from Q2 2025, the 98th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34548
- Headquarters
- El Cajon, CA
- Established
- 1997
- Total assets, Q2 2026
- $228.0M
- Assets vs Q2 2025
- +14.3%
- Tier 1 leverage ratio, Q2 2026
- 11.63%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 122242571
- Latest call report
- Q2 2026, FFIEC 051 · Neighborhood National Bank call report
- Holding company
- NEIGHBORHOOD BANCORP
- Asset rank in state
- 98th of 113 in California
Neighborhood National Bank pays more for its money than most banks of its size. It reported $228 million in assets at June 30, 2026, up 14.3% from a year earlier. It pays an average of 2.98% on its deposits and borrowings, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also grew its loan book 19.4% over the year, 3.5 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $404,000, 135% above the same quarter a year earlier. Over the same year, loans grew 19.4% and deposits grew 7.9%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.8 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Neighborhood National Bank reported a return on assets of 0.72%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 1.84%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Neighborhood National Bank is the 98th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.9% to $228.0M, loans rose 1.8% and deposits fell 5.1%. Owner-occupied commercial real estate loans made up 34.7% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 23.6%. The FDIC Summary of Deposits lists 2 offices for it, in El Cajon, CA and National City, CA; its El Cajon office books 100% of its branch deposits. Judged on its Q2 2026 call report, Neighborhood National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2987 Jamacha Rd, El Cajon, CA 92019
- County
- San Diego
- Metro Area
- San Diego-Chula Vista-Carlsbad, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 19, 1997
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $177.7M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $207K
- Average total assets
- $223.5M
- Average total loans
- $178.5M
- Average interest-bearing deposits
- $141.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 19, 1997
- FDIC Cert
- 34548
- Fed RSSD
- 2333140
- SEC CIK
- 916712 → filed by NEIGHBORHOOD BANCORP
- Website
- http://www.mynnb.com →
- Parent Holding Company
- NEIGHBORHOOD BANCORP (RSSD 2333131)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Neighborhood National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Neighborhood National Bank's total assets ran between $129.8M (Q3 2023) and $230.2M (Q1 2026), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$228.0M total assets against $199.5M; $199.9M total liabilities against $175.8M.
$178.0M net loans and leases against $148.9M; $177.7M total deposits against $164.7M.
$13.0M securities against $14.3M; $27.7M cash and balances due against $30.4M.
$3.4M total interest income against $2.7M; $1.4M total interest expense against $1.2M.
$2.0M net interest income against $1.5M.
$548K total noninterest income against $328K; $2.0M total noninterest expense against $1.6M.
-$1K provision for credit losses against $10K.
$404K net income against $172K.
0.72% return on assets against 0.36%; 3.76% net interest margin against 3.25%.
11.63% tier 1 leverage ratio against 12.42%.
Inside the full Neighborhood National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Neighborhood National Bank rankings
Its closest position to the top of a national ranking is 2,324 of 3,640, for Texas Ratio; its furthest is 3,152 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.83% (Q3 2024) to 6.29% (Q3 2025) and its net interest margin ran from 3.14% (Q3 2024) to 5.01% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.63% | 0.72% | 0.68% | 1.84% | 3.76% |
| Q1 2026 | 11.30% | 0.60% | 0.34% | 1.77% | 3.30% |
| Q4 2025 | 11.81% | 0.80% | 0.44% | 1.34% | 5.01% |
| Q3 2025 | 11.96% | 6.29% | 1.03% | 4.42% | 3.32% |
| Q2 2025 | 12.42% | 0.36% | 1.10% | 6.34% | 3.25% |
| Q1 2025 | 12.56% | 0.06% | 1.15% | 6.67% | 3.20% |
| Q4 2024 | 13.40% | -0.58% | 1.89% | 9.08% | 3.33% |
| Q3 2024 | 14.07% | -0.83% | 2.03% | 9.06% | 3.14% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Neighborhood National Bank (main office) | El Cajon , CA | 92019 | $177.7M |
| National City Branch | National City , CA | 91950 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC)
- June 23, 2020, OCC: Civil Money Penalty (CMP): Neighborhood National Bank
- March 24, 2016, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Neighborhood National Bank
- April 12, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Neighborhood National Bank
- November 19, 2001, OCC: Formal Agreement: Neighborhood National Bank
- Period: Most recent institution action June 23, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 139 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $2.7M approved, $454K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Neighborhood National Bank
What are Neighborhood National Bank's total assets?
As of the Q2 2026 filing, Neighborhood National Bank reported total assets of $228.0 million in its FFIEC call report.
Where is Neighborhood National Bank headquartered?
It is headquartered in El Cajon, CA, United States.
When was Neighborhood National Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Neighborhood National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Neighborhood National Bank?
Neighborhood National Bank's primary federal regulator is the OCC.
How many branches does Neighborhood National Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Neighborhood National Bank's Texas Ratio?
Its Texas Ratio is 1.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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