BlastPoint's Banking Scorecard
Neighborhood National Bank
Designations: ✓ CDFI-certified
El Cajon, CA
2 branches across CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
- Deposits +7.9% year over year ($177.7M on the books).
- Delinquency rate 0.69%.
- Return on assets 0.65%.
- Efficiency ratio 78.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Neighborhood National Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.06% below tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Net Interest Margin 0.39% below tier average
- - Efficiency Ratio 14.04% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$228.0M
+14.3% YoY
-0.9% QoQ
|
-$158.6M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$178.0M
+19.6% YoY
+1.9% QoQ
|
-$80.3M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$177.7M
+7.9% YoY
-5.1% QoQ
|
-$149.0M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
0.65%
+208.1% YoY
+10.3% QoQ
|
-0.67% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
3.60%
+9.2% YoY
+8.2% QoQ
|
-0.39% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
78.52%
-16.3% YoY
-1.4% QoQ
|
+14.04% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
15% |
| Delinquency Rate ? |
0.69%
-37.8% YoY
+100.3% QoQ
|
-0.23% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
100.16%
+10.8% YoY
+7.4% QoQ
|
+22.21% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.68%
-18.5% YoY
+0.1% QoQ
|
-0.35% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.54%
-35.0% YoY
+106.1% QoQ
|
-0.13% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
11.63%
-6.3% YoY
+2.9% QoQ
|
-4.28% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.50%
+77.8% YoY
+93.8% QoQ
|
-0.06% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
Top 9.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.7%
-4.9pp YoY 0.0pp QoQ |
-0.5pp | 22.1% | 25.5% | 22.2% | 53% |
| Brokered Deposits |
5.3%
0.0pp YoY -5.2pp QoQ |
-2.6pp | 7.9% | 11.0% | 8.5% | 54% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
22.0%
+8.3pp YoY +4.0pp QoQ |
+10.5pp | 11.6% | 11.8% | 12.5% | 91% |
| CRE | n/a | n/a | 39.5% | 67.5% | 41.4% | n/a |
| 1-4 Family |
0.8%
-4.5pp YoY -7.3pp QoQ |
-31.9pp | 32.6% | 16.5% | 31.3% | 1% |
| Consumer | n/a | n/a | 4.1% | 5.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
11.6%
-0.8pp YoY +0.3pp QoQ |
-0.5pp | 12.2% | 14.5% | 12.6% | 60% |
| Total Capital Ratio | n/a | n/a | 19.9% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
+2 (+7.1%) YoY +3 (+11.1%) QoQ |
-29 | 58 | 337 | 482 | 26% |
| Assets per Employee ($) |
$7.6M
+6.7% YoY -10.8% QoQ |
+$81K | $7.5M | $11.3M | $8.8M | 62% |
| Branch Count |
2
+1 (+100.0%) YoY +1 (+100.0%) QoQ |
-3 | 4 | 15 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.4pp YoY +0.3pp QoQ |
-0.2pp | 0.9% | 1.4% | 1.0% | 62% |
| Allowance Coverage |
1.70x
+46.9% YoY -55.5% QoQ |
-22.45x | 24.15x | 17.11x | 20.23x | 43% |
| Net Charge-off Rate (YTD) |
0.2%
+0.3pp YoY |
+0.1pp | 0.1% | 0.3% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.3%
+3.6pp YoY +0.5pp QoQ |
-6.9pp | 12.2% | 8.2% | 11.6% | 15% |
| Cost of Funds (YTD) |
2.8%
0.0pp YoY 0.0pp QoQ |
+1.1pp | 1.7% | 1.9% | 1.7% | 95% |
| Net Income ($, YTD) |
$739,000
+273.2% YoY — QoQ |
-$1.8M | $2.6M | $28.5M | $40.4M | 18% |
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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.