# NEIGHBORHOOD NATIONAL BANK
MORA, MN · FDIC certificate 18885 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $312.2M | |
| Deposits | $252.1M | |
| Loans and leases | $194.7M | |
| Total equity | $23.8M | |
| Loans / deposits | 76.39% (p38 of band) | 82.04% |
| Liquid assets / assets | 35.44% (p76 of band) | |
| Uninsured deposits / deposits | 9.11% (p4 of band) | 25.97% |
| Brokered deposits | 2.76% | |
| Wholesale funding | 13.80% (p85 of band) | |
| FHLB advances / assets | 5.90% | |
| Tier 1 leverage | 11.24% (p59 of band) | 10.81% |
| Unrealized securities loss / equity | -47.09% (p5 of band) | -8.10% |
| AOCI / equity | -0.13% (p64 of band) | |
| ROA (annualized) | 1.13% (p41 of band) | 1.28% |
| Net interest margin | 3.61% (p34 of band) | 3.91% |
| Efficiency ratio | 70.48% (p74 of band) | |
| Noncurrent loans | 2.31% (p91 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p40 of band) | |
| Reserve coverage of noncurrent | 47.59% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 97.90% (p86 of band) | |
| Auto loans | $4.2M (2.17% of loans; DQ 1.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | noncurrent p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | noncurrent p90 |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | losing money |  |
| 2016-06 | 0 |  | losing money |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2022-06 | 3 | construction >100% equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 5 | AOCI drag >20% of equity, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | construction >100% equity |
| 2024-12 | 3 | construction >100% equity, uninsured deposits leaving | deposits shrinking |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 2 |  | construction >100% equity, capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 | construction >100% equity | uninsured deposits leaving |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | noncurrent p90, reserve under noncurrent | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-02-10 [Wings Financial Credit Union to Buy Neighborhood National Bank - Twin Cities Business](https://news.google.com/rss/articles/CBMiigFBVV95cUxOX2R4OTRLRzVZUlVpbTY3bENVazJjWVpVS3dpTDZkMm9CM2ZLMHdaZjRORDJHVkpvQ3ZrMmotcW1QWEg3VDlmWmJ1WFdQTlNhWFFvMHRzS1VTc3VqZ2xQQklJMW4yblFtX0NDYnFXRVRESy0zMzN4MGYyaG8tMTYzelI4cl90ZU8tTWc?oc=5) · Twin Cities Business
- 2021-01-26 [Minnesota’s Wings Financial makes year’s 1st credit union purchase of bank - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxQN19OeGp4dWgyNXo0NEhPTGlyYWg5OUZoUGRVU2lLclpqTVBzY2JZQkx5RFNOOElaWE1jQ0F2VC1aZ2g5MGNjbXZaNlpJVFlQOENiWW1BNC1uYjlsZGN5bnZ1Ml9MYTNhRkoxUldnM0pFSGxrTFBzb3A1eFFIenE1dGlDQklsZVhyWTRMMTY1cklld2kxS3B5TmJYOHB5dGlOcVp4VjRn?oc=5) · Banking Dive
- 2021-01-27 [Wings Financial's deal to buy bank with north metro locations falls apart - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOSklxc0JaNWY4OWQ2dlNvY0g4LWFOWHA4dGtWZDFaUW1HMmR6NDVadkJLOV9Qa2JKSFZvR0dMSnRqSGZxaGFmUHBURm02MWs1bWVwb0JEVnd3aElKd1BwRGE3aUNsNmxxQlBUUXRvZzBSVzBmSzdKVW5UTktyV2xld0w3ekNKY1I3ajZyUDU2aUt4UFlja3ZRcGgzSzNNenAwMmFJ?oc=5) · The Business Journals
- 2021-04-08 [Jelsing retires, NNB names Segner new bank president - moraminn.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxNNFpuTXZxcVhXUjQ4eTRZN0o4VXoxcVpJeGZQNmVWLVJCMEh1QlRJaFNqZjNCVWNpRnItb1EzcHlfSHVjYWVHd3RQTVo2WlZ1R0Zwd0p4YW45MFM4VmE2dXNmeE1iZmxoNkEzdFNlRUNfNVFDZy1NUEVSTTlTd3N4VGoxanJELTM3cVEzb2dJYU44eUgzUl9iS042dm5Eb0M4cVNGa3puRGV3dGV3dmdOQ184Vy1IZzBjQ2FKTF9ubk5kWnpneGFpUWFqNA?oc=5) · moraminn.com
- 2014-08-20 [New name – same services - MessageMedia.co](https://news.google.com/rss/articles/CBMivgFBVV95cUxOQUt4V2tYbU9xZnNXNW1qbUlPekR1YzZTSVVfRzZtS3B6UFhaMnpqRHJaeTllRjJRQldkczF2OHhKN2pQOGt6azRTRDlnLWF6ZWh0Y2N1UC1FZTFnbUJFQTV0X0UwS1JaRTZNa1MzTDQwemY3dF8xOTg3ajl2RXU3TFEtRGc1alFVZmVuX05jODFoMFhMYVZ0YnI5T1FUVS04R2lzenFqcUExOUFQb3hQRkVOa1VvVC0ySllOSEZB?oc=5) · MessageMedia.co
- 2014-08-24 [Peoples National Bank in Brainerd announces name change - Brainerd Dispatch](https://news.google.com/rss/articles/CBMingFBVV95cUxOU3pxODNad19YNTllQmxEbnhVYklNQXlGNG1ZMnlBbnJOLVRGWjVlbjdRQU9xMHc1bTlfM3pkTXpvcFk4S2JSanVnQnBtWTdEaEd2d2NJVnV6V20xQ3ZtMkpTZElVem11bEVxSmdfNVNZUkxONFNSWEFpQ1ZsTF9yNEtwVG1wd3o4aGdjMlkyNzVQN2RpemlsNG9xVmxkQQ?oc=5) · Brainerd Dispatch
- 2023-03-30 [Grocery Grab in Alexandria raises thousands of dollars worth of food - Alexandria Echo Press](https://news.google.com/rss/articles/CBMipwFBVV95cUxNMG00ZHBZRlBLU2pQMFZRS21QYnIzVkcybzBRSU1RdDczWVBSeUMtS2ZJREVPUnRmdVYySjRaX2tjRjhfUDhnOUFla2prbXMtYmk2ZTNGZUNMRm9oQUJPRExvVmFyNU9kdmV4WVVJUlc0RGdMY05QOVprZmhfTmV5OXNKdUFDc2o1dEhwa1F3ZUNIT0FkNzZwOXJnQ21Qd1VNSGdmRGQwMA?oc=5) · Alexandria Echo Press
- 2020-02-10 [Wings Financial Credit Union buys bank with north metro locations - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPNWFDaTJEbExuOVFmczk3UWgtR3dsdW5Iam5jVnVhbUJSR1ltLW44dDd0ZE42RUVuMF85Y1d3SDVTRTNCeUZVYmlCS25iSXJzNm04bHZDb1ZFUFpzMHhvNDFvVDVrejhCLUVncEUzcHBxOFlYRzlfcDExY3ByNVcxb1FWbE9IOGV4RmNPNUZyQzRvZjh2M2MtSkJrVUJNZnRJa18xRDNkbmxmN3paM2c?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18885 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "18885", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide