Neighborhood National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 40.04 percentage points higher than in Q1 2026, at 275.57%. Neighborhood National Bank ranks 20th of 114 California banks on loan-to-deposit ratio, in the upper half at 101.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Neighborhood National Bank sits 20.50 points higher, at 101.34% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $180.1M |
| Net loans and leases | $178.0M |
| Loans held for sale | $0 |
| Loans to total assets | 79.00% |
| Loan-to-deposit ratio | 101.34% |
| Net loans to equity capital | 6.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.67% |
| Multifamily (5+ residential) | 23.56% |
| Commercial and industrial | 21.77% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 275.57% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $99.1M | $105.4M | 56.92% | 10.39% | 0.00% |
| Q4 2023 | $114.9M | $119.6M | 54.33% | 11.07% | 0.00% |
| Q1 2024 | $117.1M | $119.0M | 55.51% | 10.87% | 0.00% |
| Q2 2024 | $117.9M | $121.5M | 57.81% | 10.67% | 0.00% |
| Q3 2024 | $124.0M | $135.2M | 56.66% | 13.43% | 0.00% |
| Q4 2024 | $129.6M | $139.8M | 57.01% | 11.86% | 0.00% |
| Q1 2025 | $145.2M | $157.4M | 55.98% | 14.66% | 0.00% |
| Q2 2025 | $150.8M | $164.7M | 56.19% | 13.53% | 0.00% |
| Q3 2025 | $156.5M | $173.1M | 55.83% | 14.37% | 0.00% |
| Q4 2025 | $163.1M | $183.3M | 53.35% | 15.18% | 0.00% |
| Q1 2026 | $176.9M | $187.3M | 51.83% | 17.74% | 0.00% |
| Q2 2026 | $180.1M | $177.7M | 53.67% | 21.77% | 0.00% |
Neighborhood National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighborhood National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Neighborhood National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34548) · FFIEC NIC profile (RSSD 2333140)