Neighborhood National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Neighborhood National Bank of El Cajon, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.72% | 1.34% | -0.62% | 20th bottom |
| ROAE | 5.79% | 13.32% | -7.53% | 17th bottom |
| Net Interest Margin | 3.76% | 3.93% | -0.17% | 40th below |
| Efficiency Ratio | 77.52% | 61.14% | +16.38% | 16th bottom |
| PPNR / Avg Assets | 1.02% | 1.68% | -0.66% | 21st bottom |
| Yield on Earning Assets | 6.51% | 5.67% | +0.84% | 87th top |
| Cost of Funds | 2.98% | 1.88% | +1.10% | 6th bottom |
| Net Interest Spread | 2.89% | 3.32% | -0.43% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.68% | 0.94% | -0.26% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.70% | -0.16% | 36th below |
| NCO / Avg Loans | 0.46% | 0.16% | +0.30% | 6th bottom |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 46th below |
| ACL / NPLs (Coverage) | 170.43% | 1539.00% | -1368.57% | 43rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.07% | 7.33% | -3.26% | 46th below |
| Provision / NCO | 0.00% | 1395.96% | -1395.96% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.63% | 12.14% | -0.51% | 60th above |
| Equity / Assets | 12.34% | 11.37% | +0.97% | 74th above |
| TCE / Tangible Assets | 12.34% | 11.09% | +1.25% | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.34% | 80.63% | +20.71% | 10th bottom |
| Core Deposit Ratio | 91.56% | 86.86% | +4.70% | 64th above |
| Wholesale Funding Ratio | 8.99% | 5.03% | +3.96% | 17th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.29% | 6.85% | +7.44% | 91st top |
| Loan Growth (Y/Y) | 19.45% | 7.90% | +11.55% | 92nd top |
| Deposit Growth (Y/Y) | 7.90% | 6.29% | +1.61% | 75th top |
See Neighborhood National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Neighborhood National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Neighborhood National Bank profile, how to read a UBPR, or how this data updates.