Neighborhood National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 212.99 percentage points lower than in Q1 2026, at 170.43%. Neighborhood National Bank ranks 84th of 114 California banks on return on assets, in the lower half at 0.72% (Q2 2026). Neighborhood National Bank reported 0.72% on return on assets for Q2 2026, 0.53 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.63% |
| Equity capital to assets | 12.34% |
| Tangible equity to tangible assets | 12.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.68% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | 0.46% |
| Texas ratio | 4.07% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 170.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.72% |
| Return on equity | 5.79% |
| Net interest margin | 3.76% |
| Efficiency ratio | 77.52% |
| Yield on earning assets | 6.51% |
| Cost of funds | 2.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.34% |
| Core deposits to total deposits | 91.56% |
| Brokered deposits to total deposits | 5.29% |
| Deposits to assets | 77.96% |
| Securities to assets | 5.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.93% | 17.93% | 19.98% | 13.94% | 0.72% |
| Q4 2023 | 15.92% | 15.92% | 17.19% | 12.85% | -0.47% |
| Q1 2024 | 15.59% | 15.59% | 17.19% | 11.98% | -0.68% |
| Q2 2024 | 20.23% | 20.23% | 21.80% | 14.93% | -0.73% |
| Q3 2024 | 18.95% | 18.95% | 20.48% | 14.07% | -0.83% |
| Q4 2024 | — | — | — | 13.40% | -0.58% |
| Q1 2025 | — | — | — | 12.56% | 0.06% |
| Q2 2025 | — | — | — | 12.42% | 0.36% |
| Q3 2025 | — | — | — | 11.96% | 6.29% |
| Q4 2025 | — | — | — | 11.81% | 0.80% |
| Q1 2026 | — | — | — | 11.30% | 0.60% |
| Q2 2026 | — | — | — | 11.63% | 0.72% |
Neighborhood National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Neighborhood National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)