Neighborhood National Bank

803 N. Nokomis N.E.
Alexandria, MN 56308
320.763.8366
www.nnbnet.com

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Neighborhood National Bank is headquartered in Alexandria and is the 291^st largest bank in the state of Minnesota. It is also the 6,560^th largest bank in the nation. It was established in 2001 and as of September of 2011, it had grown to 14 employees at 1 location. Neighborhood National Bank's savings rates are 15% higher than the national average, and it has a 3-star health rating.

Neighborhood National Bank Routing Number: 091917186

2.79% 18-Month CD at Neighborhood National Bank in California - 4/14/2009

Neighborhood National Bank is offering a special 2.79% APY 18-month CD. Minimum deposit is $1,000. New money is required. The CD special is listed on the bank's front page and in this promotional page as of 4/14/09. I last posted on this 18-month CD...

5.13% 5-Year IRA CD at Neighborhood National Bank in California - 1/20/2009

Neighborhood National Bank is offering a 5.13% APY 5-year IRA certificate of deposit. Interest rate is 5.00%. Minimum deposit is $1,000. This CD special is listed on the bank's front page (rotating image) and in this promotions page as of 1/20/2009. The...

3.52% 18-Month CD at Neighborhood National Bank in California - 1/13/2009

Neighborhood National Bank is offering a 3.52% APY 18-month CD. Minimum deposit is $1,000. New money is required. The CD special is listed on the bank's front page and in this promotional page as of 1/13/09. It appears a branch visit is required....

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See Rates for: Checking | Savings | Money Market | CD | IRA

Neighborhood National Bank Checking Account Rates

Apy	Min	Max	Product
0.82%	-	$25k	Free Rewards Checking
0.40%	$25k	-	High Yield Checking
0.20%	$250	-	Classic Checking

Neighborhood National Bank Savings Account Rates

Apy	Min	Max	Product
0.60%	$10k	-	Health Savings Account
0.30%	$250	-	Statement Savings
0.30%	-	-	Youth Savers

Neighborhood National Bank Money Market Rates

	Apy	Min	Max	Product
	0.60%	$100k	-	Money Market Savings

Neighborhood National Bank CD Rates

Apy	Min	Max	Product
1.70%	$1k	-	60 Month CD
1.50%	$1k	-	48 Month CD
1.15%	$1k	-	36 Month CD
0.95%	$1k	-	24 Month CD
0.70%	$1k	-	18 Month CD
0.65%	$1k	-	12 Month CD
0.65%	$1k	-	12 Month Youth Saver CD
0.45%	$1k	-	6 Month CD
0.25%	$1k	-	3 Month CD

Neighborhood National Bank IRA Rates

Apy	Min	Max	Product
1.70%	$1k	-	60 Month IRA
1.50%	$1k	-	48 Month IRA
1.15%	$1k	-	36 Month IRA
0.95%	$1k	-	24 Month IRA
0.70%	$1k	-	18 Month IRA
0.65%	$1k	-	12 Month IRA
0.45%	$1k	-	6 Month IRA
0.25%	$1k	-	3 Month IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Neighborhood National Bank
FDIC Certificate #	57210
BankRate Report	View
Year Established	2001
Employees	14
Primary Regulator	OCC
Assets and Liabilities
Assets	$45.53 million
Loans	$28.31 million
Deposits	$40.81 million
Equity Capital	$4.59 million
Loan Loss Allowance	$967,000
Unbacked Noncurrent Loans	$2.22 million
Real Estate Owned	$1.38 million
Historic Data - September 2010
Assets	$49.98 million
Equity Capital	$4.15 million
Loan Loss Allowance	$990,000
Unbacked Noncurrent Loans	$3.36 million
Real Estate Owned	$1.17 million
Profit Margin - Quarterly
Net Interest Margin	3.55%
Return on Assets	-0.53%
Return on Equity	-6.33%
Interest Income	$1.59 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Neighborhood National Bank had $3.6 million in non-current loans and owned real-estate with $5.56 million in equity and loan loss allowances on hand to cover it. This gives Neighborhood National Bank a Texas Ratio of 64.74% which is below 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 decreased slightly from 88.16% as of September 30, 2010 to 64.74% as of September 30, 2011, resulting in a positive change of 26.56%.This indicates that the balance sheet and financial strength for Neighborhood National Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Neighborhood National Bank has decreased its total deposits by -$4.72 million, resulting in -10.37% 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 has shown is poor.
Capitalization
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 has $45.53 million in assets with $5.56 million in equity, resulting in a capitalization level of 12.20%, which is excellent.