Neighborhood National Bank: how it compares with its peers
Against 28 CA banks with half to twice its assets, Neighborhood National Bank's strongest measure in Q2 2026 is return on assets (0.65% vs. a 0.49% peer median). Its weakest relative measure is net interest margin (3.60% vs. 3.92%).
| Measure | Neighborhood National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.65% | 0.49% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.60% | 3.92% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.52% | 81.98% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $7.3M | Middle third Ahead of 57% of peers |
| Loans to deposits Net loans and leases over total deposits. | 100.16% | 94.58% | Context |
What it means for lending operations
Its efficiency ratio of 78.52% is better than the 81.98% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Metropolitan Bank Oakland, CA · $230M
- First Federal Savings and Loan Association of San Rafael San Rafael, CA · $222M
- Home Bank of California San Diego, CA · $255M
- Summit Bank Oakland, CA · $264M
- United Pacific Bank City Of Industry, CA · $191M
- Capital Bank and Trust Company Irvine, CA · $266M
Questions about Neighborhood National Bank
How big is Neighborhood National Bank?
Neighborhood National Bank, established in 1997, is headquartered in El Cajon, CA. It reported $228M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Neighborhood National Bank's return on assets?
0.65% annualized in Q2 2026, against a 0.49% median for 28 CA banks with half to twice its assets, ahead of 57% of them.
What is Neighborhood National Bank's efficiency ratio?
78.52% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 81.98%, and lower is better.
Is Neighborhood National Bank growing its loans?
Net loans grew 19.6% over the year to Q2 2026, while deposits grew 7.9%.
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 CA 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 California bank ranked.