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Overview / Commentary
3511 National Avenue
San Diego, CA 92113

Neighborhood National Bank (CA) is headquartered in San Diego and is the 206th largest bank in the state of California. It is also the 5,087th largest bank in the nation. It was established in 1997 and as of March of 2014, it had grown to 39 employees at 3 locations. Neighborhood National Bank (CA) has a C health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Neighborhood National Bank (CA) has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Neighborhood National Bank (CA) had $2.97 million in non-current loans and owned real-estate with $7.79 million in equity and loan loss allowances on hand to cover it. This gives Neighborhood National Bank (CA) a Texas Ratio of 38.19% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Neighborhood National Bank (CA) decreased dramatically from 102.87% as of March 31, 2013 to 38.19% as of March 31, 2014, resulting in a positive change of 62.88%.This indicates that the balance sheet and financial strength for Neighborhood National Bank (CA) has improved dramatically in recent periods.

Deposit Growth


In the past year, Neighborhood National Bank (CA) has decreased its total deposits by -$10.6 million, resulting in -11.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Neighborhood National Bank (CA) has shown is poor.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Neighborhood National Bank (CA) has $85.08 million in assets with $7.79 million in equity, resulting in a capitalization level of 9.15%, which is average.

Institution Statistics

FDIC Certificate #34548
Year Established1997
Primary RegulatorOCC
Assets and Liabilities
Assets$85.08 million
Loans$45.23 million
Deposits$79.02 million
Equity Capital$5.07 million
Loan Loss Allowance$2.72 million
Unbacked Noncurrent Loans$1.39 million
Real Estate Owned$1.59 million
Historic Data - March 2013
Assets$97.16 million
Equity Capital$6.43 million
Loan Loss Allowance$4.14 million
Unbacked Noncurrent Loans$1.39 million
Real Estate Owned$184,000
Profit Margin - Quarterly
Net Interest Margin3.9%
Return on Assets-0.43%
Return on Equity-7.13%
Interest Income$759,000

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Neighborhood National Bank (CA) Locations
National City Branch1717 Sweetwater Road Suite ANational City, CA 91950
El Cajon Branch2987 Jamaca Rd, Suite 2bEl Cajon, CA 92019
Neighborhood National Bank3511 National AvenueSan Diego, CA 92113