Neighborhood National Bank (Mora, MN)
BankRegReports is independent of Neighborhood National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Neighborhood National Bank is an FDIC-insured commercial bank headquartered in Mora, MN, established in 1963 (FDIC certificate 18885), and it is supervised by the OCC. At Q2 2026 it reported total assets of $312.2M, up 3.5% from Q2 2025, the 87th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 16.54% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 18885
- Headquarters
- Mora, MN
- Established
- 1963
- Total assets, Q2 2026
- $312.2M
- Assets vs Q2 2025
- +3.5%
- CET1 ratio, Q2 2026
- 16.54%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 091914202
- Latest call report
- Q2 2026, FFIEC 051 · Neighborhood National Bank call report
- Holding company
- PEOPLES BANKSHARES, INC.
- Asset rank in state
- 87th of 221 in Minnesota
Problem loans are rising at Neighborhood National Bank. Based in Mora, Minnesota, it had $312 million in assets at June 30, 2026, up 3.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.31% of loans from 0.17% a year earlier. It carries problem assets equal to 19.4% of the capital and reserves that would absorb them, 7.4 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 0.4% over the year, a small fraction of the median of 4.0% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 32% of Tier 1 capital, down from 42% a year earlier. Net income for the quarter rose 17% from a year earlier, to $952,000.
As of June 30, 2026, Neighborhood National Bank reported a CET1 capital ratio of 16.54%, a return on assets of 1.22%, a nonperforming-loan ratio of 2.31% and a Texas ratio of 19.44%. The figures come from its call report filed with the FFIEC.
Neighborhood National Bank ranks as the 87th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $312.2M, loans rose 0.1% and deposits fell 1.0%. 1-4 family residential loans made up 49.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 12.2%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in MN; its Mora 2 offices book 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, Neighborhood National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 45 Union St N, Mora, MN 55051
- County
- Kanabec
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 26, 1963
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $252.1M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $311.0M
- Average total loans
- $193.0M
- Average interest-bearing deposits
- $190.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 26, 1963
- FDIC Cert
- 18885
- Fed RSSD
- 705556
- Website
- www.neighborhood.bank →
- Parent Holding Company
- PEOPLES BANKSHARES, INC. (RSSD 1124024)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Neighborhood National Bank's total assets ran between $298.9M (Q4 2024) and $312.2M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$312.2M total assets against $301.7M; $288.4M total liabilities against $282.6M.
$192.6M net loans and leases against $188.6M; $252.1M total deposits against $251.1M.
$98.5M securities against $94.0M; $12.1M cash and balances due against $10.9M.
$3.8M total interest income against $3.7M; $1.1M total interest expense against $1.2M.
$2.7M net interest income against $2.4M.
$297K total noninterest income against $325K; $2.1M total noninterest expense against $2.0M.
$0 provision for credit losses against $0.
$952K net income against $811K.
1.22% return on assets against 1.04%; 3.67% net interest margin against 3.28%.
16.54% CET1 capital ratio against 16.09%; 11.24% tier 1 leverage ratio against 10.61%.
Inside the full Neighborhood National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNeighborhood National Bank rankings
Its closest position to the top of a national ranking is 183 of 3,640, for Texas Ratio; its furthest is 2,585 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.78% (Q1 2025) to 1.35% (Q3 2025) and its net interest margin ran from 2.96% (Q4 2024) to 3.67% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.54% | 1.22% | 2.31% | 19.44% | 3.67% |
| Q1 2026 | 16.82% | 1.04% | 0.42% | 3.29% | 3.53% |
| Q4 2025 | 16.27% | 1.22% | 0.51% | 3.95% | 3.50% |
| Q3 2025 | 16.56% | 1.35% | 0.37% | 2.97% | 3.58% |
| Q2 2025 | 16.09% | 1.04% | 0.17% | 1.50% | 3.28% |
| Q1 2025 | 15.92% | 0.78% | 0.09% | 0.82% | 3.02% |
| Q4 2024 | 15.09% | 0.98% | 0.00% | 0.00% | 2.96% |
| Q3 2024 | 15.06% | 1.02% | 0.00% | 0.11% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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) | Mora , MN | 55051 | $143.2M |
| North Branch | North Branch , MN | 55056 | $48.5M |
| Alexandria Branch | Alexandria , MN | 56308 | $35.7M |
| Aitkin Branch | Aitkin , MN | 56431 | $18.7M |
| Brainerd Branch | Brainerd , MN | 56401 | $6.0M |
| Mora Branch | Mora , MN | 55051 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 13, 2015 | Structure Change | Acquired Neighborhood National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC)
- February 16, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Neighborhood National Bank
- January 22, 2010, OCC: Formal Agreement: Peoples National Bank of Mora
- January 20, 2010, OCC: Formal Agreement: Neighborhood National Bank
- June 24, 2005, OCC: Formal Agreement: Peoples National Bank of Mora
- Period: Most recent institution action February 16, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in MN, rank 122 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 96 applications, 74 loans originated, $16.6M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $682K approved, $682K 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
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Neighborhood National Bank’s latest filed figures and updates each quarter.
Similar banks
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 $312.2 million in its FFIEC call report.
Where is Neighborhood National Bank headquartered?
It is headquartered in Mora, MN, United States.
When was Neighborhood National Bank founded?
It was established in 1963, per the FDIC institution directory.
Is Neighborhood National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18885). 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.
What is Neighborhood National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.54% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Neighborhood National Bank operate?
It operates 6 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 19.44% 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.
Go deeper on Neighborhood National Bank.
Get an email when Neighborhood National Bank files its next call report, and benchmark it against any peer you choose.
Unlock Neighborhood National Bank, freeFree account