BlastPoint's Banking Scorecard
Neighborhood National Bank
Designations: ✓ CDFI-certified
El Cajon, CA
Neighborhood National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Net Interest Margin 0.61% below tier average
- - Efficiency Ratio 14.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$230.2M
+20.6% YoY
+1.8% QoQ
|
-$155.9M |
$386.1M
+0.5% YoY
|
$4.8B
+7.6% YoY
|
$6.2B
+9.0% YoY
|
33% |
| Total Loans ? |
$174.6M
+21.9% YoY
+8.6% QoQ
|
-$81.1M |
$255.7M
+1.1% YoY
|
$3.3B
+8.3% YoY
|
$3.2B
+10.7% YoY
|
43% |
| Total Deposits ? |
$187.3M
+19.0% YoY
+2.1% QoQ
|
-$140.7M |
$328.0M
+0.0% YoY
|
$3.9B
+6.9% YoY
|
$4.8B
+8.0% YoY
|
31% |
| Return on Assets ? |
0.59%
+931.8% YoY
-69.4% QoQ
|
-0.68% |
1.27%
+12.8% YoY
|
1.75%
+28.6% YoY
|
1.24%
+13.1% YoY
|
16% |
| Net Interest Margin ? |
3.33%
+3.1% YoY
-11.2% QoQ
|
-0.61% |
3.93%
+6.0% YoY
|
3.80%
+3.1% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
79.60%
-19.1% YoY
-2.1% QoQ
|
+14.32% |
65.29%
-4.4% YoY
|
69.04%
-8.1% YoY
|
66.84%
-3.8% YoY
|
16% |
| Delinquency Rate ? |
0.35%
-70.4% YoY
-22.2% QoQ
|
-0.54% |
0.89%
+18.9% YoY
|
1.18%
+69.8% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
93.25%
+2.4% YoY
+6.3% QoQ
|
+16.61% |
76.64%
+0.8% YoY
|
85.63%
+2.0% YoY
|
76.69%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
21.66%
-19.4% YoY
-0.8% QoQ
|
-0.36% |
22.02%
-0.9% YoY
|
24.99%
-4.4% YoY
|
22.01%
-1.1% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.26%
-70.0% YoY
-17.1% QoQ
|
-0.38% |
0.64%
+19.7% YoY
|
0.92%
+66.1% YoY
|
0.66%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
11.30%
-10.0% YoY
-4.3% QoQ
|
-4.53% |
15.83%
+1.5% YoY
|
21.06%
-3.6% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.26%
+110.3% YoY
-65.7% QoQ
|
-0.02% |
0.28%
+9.3% YoY
|
0.69%
+11.1% YoY
|
0.32%
+4.0% YoY
|
Top 8.5% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.