Neighborhood National Bank: how it compares with its peers
Against 92 MN banks with half to twice its assets, Neighborhood National Bank's strongest measure in Q2 2026 is assets per employee ($6.8M vs. a $7.5M peer median). Its weakest relative measure is efficiency ratio (70.48% vs. 61.67%).
| Measure | Neighborhood National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.13% | 1.33% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.61% | 3.98% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.48% | 61.67% | Bottom third Ahead of 26% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $7.5M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.39% | 80.80% | Context |
What it means for lending operations
Its efficiency ratio of 70.48% is above the 61.67% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Citizens Independent Bank Saint Louis Park, MN · $314M
- PrinsBank Prinsburg, MN · $308M
- Gateway Bank Mendota Heights, MN · $320M
- First Bank Blue Earth Blue Earth, MN · $323M
- Minnesota National Bank Sauk Centre, MN · $298M
- Citizens Bank & Trust Co. Hutchinson, MN · $329M
Questions about Neighborhood National Bank
How big is Neighborhood National Bank?
Neighborhood National Bank, established in 1963, is headquartered in Mora, MN. It reported $312M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Neighborhood National Bank's return on assets?
1.13% annualized in Q2 2026, against a 1.33% median for 92 MN banks with half to twice its assets, ahead of 38% of them.
What is Neighborhood National Bank's efficiency ratio?
70.48% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 61.67%, and lower is better.
Is Neighborhood National Bank growing its loans?
Net loans grew 2.1% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.