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Neighborhood National Bank
El Cajon, CA · FDIC Certificate #34548 · Chartered 09/1
Total assets
$227.99M
Total deposits
$177.74M
Total equity
$28.14M
Net loans
$178.02M
Branches (offices)
2
Net income (YTD)
$739.00K
Rank: #2,824 of 4,213 U.S. banks by assets · #100 of 115 in California. Assets changed 14.3% and deposits 7.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.65% |
| Return on equity | 5.33% |
| Net interest margin (YTD) | 3.60% |
| Equity to assets | 12.34% |
| Tier 1 leverage ratio | 11.63% |
| Uninsured deposits (share of deposits) | 26.1% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 0.24% |
| Loans to deposits | 100.2% |
| Real estate loans (share of loans) | 78.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $140.49M | 78.9% | |
| Commercial & industrial | $39.20M | 22.0% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $119.03M | $100.65M | -$517.00K | $14.49M |
| Jun 2023 | $123.29M | $101.15M | -$351.00K | $13.73M |
| Jun 2024 | $153.00M | $121.53M | -$529.00K | $23.02M |
| Jun 2025 | $199.47M | $164.72M | $198.00K | $23.69M |
| Jun 2026 | $227.99M | $177.74M | $739.00K | $28.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $177.74M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $177.74M.
Similar-sized banks
Bank Of Wiggins ($228.08M) · Embassy National Bank ($227.87M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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