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Data through Q3 2026 · 4,200 institutions
Regulatory profile
El Cajon, CA · FDIC certificate #34548
NEIGHBORHOOD NATIONAL BANK is an FDIC-insured institution based in El Cajon, CA (FDIC certificate #34548). In its Q3 2026 Call Report it reported total assets of $235M, total deposits of $190M and net loans of $174M. Its primary federal regulator is OCC.
Plain-language readout
NEIGHBORHOOD NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $235M in Q3 2026 and were lowest at $228M in Q2 2026.
Total deposits were highest at $190M in Q3 2026 and lowest at $178M in Q2 2026.
Over the whole period total assets rose 1.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $235M | $190M | $174M | 0.93% | 7.61% | 4.11% |
| Q2 2026 | $228M | $178M | $178M | 0.65% | 5.33% | 3.60% |
| Q1 2026 | $230M | $187M | $175M | 0.59% | 4.87% | 3.33% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $16.0M | $16.6M | -$568K | -3.4% |
| Federal funds sold | $11.7M | $16.2M | -$4.5M | -27.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $12.9M | $13.7M | -$835K | -6.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $178.0M | $174.6M | +$3.4M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $951K | $823K | +$128K | +15.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $14K | $16K | -$2K | -12.5% |
| All other assets | $8.4M | $8.2M | +$179K | +2.2% |
| Total assets | $228.0M | $230.2M | -$2.2M | -0.9% |
| Liabilities | ||||
| Total deposits | $177.7M | $187.3M | -$9.5M | -5.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $20.5M | $13.5M | +$7.0M | +51.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.6M | $1.7M | -$56K | -3.3% |
| Total liabilities | $199.9M | $202.4M | -$2.6M | -1.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $263K | $263K | $0K | 0.0% |
| Surplus | $38.7M | $38.7M | +$14K | +0.0% |
| Retained earnings | -$10.8M | -$11.2M | +$404K | +3.6% |
| Accumulated other comprehensive income | $1K | $1K | $0K | 0.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $28.1M | $27.7M | +$418K | +1.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $603K | +$628K | +104.1% |
| Adjusted nonperforming assets | $557K | $532K | +$25K | +4.7% |
| Tangible equity plus allowance | $30.2M | $30.0M | +$206K | +0.7% |
| Texas ratio (gross) | 4.07% | 2.01% | +2.06 pts | See points |
| Texas ratio (adjusted) | 1.84% | 1.77% | +0.07 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.84% | 1.77% | +0.07 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.63% | 11.30% | +0.33 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 275.57% | 235.53% | +40.04 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 1.98% | 1.90% | +0.08 pts | See points |
| Liquidity | ||||
| Core deposits | $162.7M | $161.2M | +$1.6M | +1.0% |
| Non-core funding | $35.5M | $39.6M | -$4.1M | -10.4% |
| Loans to core deposits | 110.68% | 109.79% | +0.88 pts | See points |
| Loans to deposits | 101.34% | 94.49% | +6.85 pts | See points |
| Brokered deposits share of deposits | 5.29% | 10.52% | -5.23 pts | See points |
| Pledged securities share of securities | 7.90% | 7.63% | +0.27 pts | See points |
| Loans pledged, share of loans | 57.94% | 56.74% | +1.19 pts | See points |
| Volatile liabilities | $54.9M | $59.6M | -$4.6M | -7.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.0M | $472K | +$568K | +120.3% |
| Earnings before provision, single quarter | $568K | $472K | +$96K | +20.3% |
| Provision for credit losses, year to date | $5K | $6K | -$1K | -16.7% |
| Yield and cost | ||||
| Yield on loans and leases | 6.39% | 6.31% | +0.09 pts | See points |
| Yield on interest-bearing balances due from banks | 2.05% | 2.34% | -0.29 pts | See points |
| Total interest income to average assets | 6.13% | 5.63% | +0.50 pts | See points |
| Cost of interest-bearing transaction accounts | 0.00% | 0.26% | -0.26 pts | See points |
| Cost of savings and money market deposits | 3.60% | 3.55% | +0.05 pts | See points |
| Cost of time deposits | 3.89% | 3.89% | -0.01 pts | See points |
| Total interest expense to average assets | 2.59% | 2.57% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $235M | $190M | $174M | 0.93% | 7.61% | 4.11% |
| 2026-06-30 | $228M | $178M | $178M | 0.65% | 5.33% | 3.60% |
| 2026-03-31 | $230M | $187M | $175M | 0.59% | 4.87% | 3.33% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $164.7M | 0.01% | 147 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.