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 Securities to assets: 1.91 percentage points higher than in Q1 2026, at 31.55%. Within Minnesota, Neighborhood National Bank is 135th of 221 on return on assets, 1.22% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Neighborhood National Bank reported 1.22% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.54% |
| Tier 1 risk-based capital ratio | 16.54% |
| Total risk-based capital ratio | 17.56% |
| Tier 1 leverage ratio | 11.24% |
| Equity capital to assets | 7.61% |
| Tangible equity to tangible assets | 7.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.34% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 19.44% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 409.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 16.39% |
| Net interest margin | 3.67% |
| Efficiency ratio | 67.95% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.24% |
| Core deposits to total deposits | 91.15% |
| Brokered deposits to total deposits | 3.41% |
| Deposits to assets | 80.77% |
| Securities to assets | 31.55% |
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 | 14.43% | 14.43% | 15.40% | 10.06% | 0.92% |
| Q4 2023 | 14.67% | 14.67% | 15.65% | 10.24% | 1.00% |
| Q1 2024 | 14.81% | 14.81% | 15.80% | 10.40% | 0.68% |
| Q2 2024 | 14.82% | 14.82% | 15.82% | 10.47% | 0.88% |
| Q3 2024 | 15.06% | 15.06% | 16.05% | 10.77% | 1.02% |
| Q4 2024 | 15.09% | 15.09% | 16.08% | 10.61% | 0.98% |
| Q1 2025 | 15.92% | 15.92% | 16.96% | 10.44% | 0.78% |
| Q2 2025 | 16.09% | 16.09% | 17.12% | 10.61% | 1.04% |
| Q3 2025 | 16.56% | 16.56% | 17.60% | 10.83% | 1.35% |
| Q4 2025 | 16.27% | 16.27% | 17.29% | 10.78% | 1.22% |
| Q1 2026 | 16.82% | 16.82% | 17.86% | 11.22% | 1.04% |
| Q2 2026 | 16.54% | 16.54% | 17.56% | 11.24% | 1.22% |
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 18885) · FFIEC NIC profile (RSSD 705556)