# NEIGHBORHOOD NATIONAL BANK
EL CAJON, CA · FDIC certificate 34548 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $228.0M | |
| Deposits | $177.7M | |
| Loans and leases | $180.1M | |
| Total equity | $28.1M | |
| Loans / deposits | 100.16% (p92 of band) | 73.59% |
| Liquid assets / assets | 17.82% (p17 of band) | |
| Uninsured deposits / deposits | 26.11% (p72 of band) | 19.81% |
| Brokered deposits | 4.13% | |
| Wholesale funding | 13.12% (p89 of band) | |
| FHLB advances / assets | 5.92% | |
| Tier 1 leverage | 11.63% (p48 of band) | 11.76% |
| Unrealized securities loss / equity | 2.03% (p100 of band) | -6.57% |
| AOCI / equity | 0.00% (p85 of band) | |
| ROA (annualized) | 0.65% (p23 of band) | 1.17% |
| Net interest margin | 3.60% (p33 of band) | 3.93% |
| Efficiency ratio | 78.52% (p76 of band) | |
| Noncurrent loans | 0.68% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | 0.18% (p92 of band) | |
| Reserve coverage of noncurrent | 170.43% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | losing money, charge-offs p90 |
| 2011-09 | 5 | losing money |  |
| 2011-12 | 6 | charge-offs p90 |  |
| 2012-03 | 9 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 8 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2012-09 | 9 | leverage <7%, expense ratio p90 | assets shrinking |
| 2012-12 | 9 |  |  |
| 2013-03 | 7 | deposits shrinking, assets shrinking | brokered >10%, wholesale funding >15%, charge-offs p90, capital falling |
| 2013-06 | 7 | charge-offs p90 | losing money |
| 2013-09 | 8 | losing money |  |
| 2013-12 | 9 | capital falling |  |
| 2014-03 | 6 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2014-06 | 6 | noncurrent p90 | charge-offs p90 |
| 2014-09 | 8 | leverage <5%, capital falling | noncurrent p90 |
| 2014-12 | 6 | uninsured deposits leaving | leverage <5%, capital falling |
| 2015-03 | 4 |  | leverage <7%, losing money |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | uninsured deposits leaving |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 6 | leverage <7%, losing money |  |
| 2016-06 | 3 |  | capital falling, leverage <7%, losing money |
| 2016-09 | 5 | noncurrent p90, uninsured deposits leaving |  |
| 2016-12 | 4 | capital falling | noncurrent p90, uninsured deposits leaving |
| 2017-03 | 3 | losing money | assets shrinking, capital falling |
| 2017-06 | 2 |  | deposits shrinking |
| 2017-09 | 4 | capital falling, deposits shrinking |  |
| 2017-12 | 3 | uninsured deposits leaving | losing money, capital falling |
| 2018-03 | 5 | losing money, assets shrinking |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 2 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | capital falling |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 5 | loans exceed deposits, wholesale funding >15%, capital falling | charge-offs p90 |
| 2020-09 | 8 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2020-12 | 6 |  | loans exceed deposits, capital falling |
| 2021-03 | 4 | NIM <2.5% | expense ratio p90, losing money, charge-offs p90 |
| 2021-06 | 6 | capital falling, assets shrinking |  |
| 2021-09 | 4 |  | NIM <2.5%, capital falling |
| 2021-12 | 3 |  | wholesale funding >15% |
| 2022-03 | 5 | losing money, expense ratio p90 |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 |  | assets shrinking |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | reserve under noncurrent |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 2 |  | noncurrent p90, capital falling |
| 2023-12 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2024-03 | 5 | capital falling |  |
| 2024-06 | 4 |  | capital falling |
| 2024-09 | 3 |  | noncurrent p90 |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 2 |  | losing money, reserve under noncurrent |
| 2025-06 | 1 |  | expense ratio p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | uninsured deposits leaving |  |
| 2026-03 | 1 |  | uninsured deposits leaving |
| 2026-06 | 2 | loans exceed deposits, charge-offs p90 | capital falling |

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

- 2010-05-21 [OCC Enforcement Actions - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTE40WVF2TEg1XzNQZEJ5bkZRTUlGNWhvWkFkVkN6dU1EelBKNV9rWnhjNVBidk9iaTZJVEw0LUgyS2pzU0tZMjBTTVRYbHhiZnZhR2FHTmFYYU00VmtCSUxmWkdPSEpQZGhPRWREdGJWQkZ5ZURnWEdMNEZwMlhaUQ?oc=5) · occ.gov
- 2023-03-27 [March Appointments: New CFOs at Ally, Barclays - Banking Exchange](https://news.google.com/rss/articles/CBMikAFBVV95cUxOcEw0eUFXY3cyNkpvZloza0RnVlVCR3pNaFF2alQ4cXNNYkNFeWJKVVdYaW1DR184QktMVEdMWnFBSmJucHBmeklpUVdUeXdLY0xJTWw4ZWp1TnZXbC1ySWx0N3NEcWp0TGI5NUdXVnh3Snp1MTMwb2t3MWtNTlNWYXVxQVEtUVNwckoxMzM2dHY?oc=5) · Banking Exchange
- 2019-08-12 [Bank of Southern California Names Joel Ewan Senior Vice President, Credit Administration - PR Newswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQVHJUa0NWYlZsUVZoS29saXdHUzhqR05MaDE2Y0xwUnptcER0TWdocW9HOVBzdnBfTll4WGFQZHNBTEN2bnNtbjBIdUJucjZ4b3Q3enN0Wno2RVlBRzM5WExqV0NReFhvMklTOUxleHlVc3A5enF0T0w1dkNydWlkakpmNzRhX1ZMU2RpeENVYkRzVnFLbjJPYU1YbWlWWDF1WFUxN2JhdzhMNzJmZUpfRHYzQzBaYjJvdVV2cHlNV0RkVmUyZnJ2WnpnNGZJSmNVa3BwZ09mcVFJbGs?oc=5) · PR Newswire
- 2024-11-28 [Richard Castillo Obituary - San Diego, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZmdIMF9sdVl5UEtTQXBPaEFlUGEzSlMwWkgxQlYzTDM5RlpjdUV3RHVsanpqOVRwMFpBVDM5b05TaEFzYVVGZTdPX3M1a1ZRV25YMGdvOThCYkE0Z1pPank1UWY0em5lRlloY08yWjZJTER3cnVLUkR4OTBVRmJpUFdEMlFnVk1L?oc=5) · Dignity Memorial
- 2026-04-30 [‘A Medic’s Silent Salute’ - moraminn.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNdTVqTmpLQzNSWnU5MV9HQi1zTUpUM1FUWWFmYkJLeVlMV3htT093dXlVbFd5QWJRczV2b2Q2OHRnREN5c0dwZ3FCX25vMV91cnlHYVFCVE9OcE5Kc3R5Q0dfUGl6eTBpTEk5T1BxVXB6eWgwempqSW1jdmZwT09xNmREUm9CUmFfYV9sMkQzRDNDQW5UZnRYR0hTYlJqRjdLdDRDaEZR?oc=5) · moraminn.com
- 2018-10-19 [Daily Business Report-Oct. 19, 2018 - sandiegometro.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5Xcmx6QVhSbnkyUkR6aGVQZVhFUHoyNk1vek5KeVJDRE5UbUFyb3N0ZTRyNmhvWXViVDdIRGhueEp3TWVaUDVWRDJZYjlodmI0VTlRRzJJeUlyS3NLd0dJMXk1YU5WWmxpcjNNcFk3UkZmaVJMM25fUFdsalY?oc=5) · sandiegometro.com
- 2016-05-22 [Robert McGill Obituary (2016) - San Diego, CA - San Diego Union-Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMingFBVV95cUxOMEJpZlU3TmpDR0dRTWg4bEQtaVdIMnd1UjVDSi0tc0hva3poWk1ZVUFwSDhVV0pFZlNxLUFSa3Fwc3VjaUd5YjZxTWJieDVRaFFjVzNDbk43M29LWkh0a1BvTnhDVlg3VDBHZnVlY1Nmb1E1MVZqRGxDbnRjRFFyNDBBTFV5dThUdlZUeWR1aFVHZ09WRGh4UDlJV1RfQQ?oc=5) · Legacy obituary
- 2016-03-19 [Roger and Norma Cazares: Four Decades of Chicano Activism - San Diego Free Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxQUFA3ZUpCZFQtRk5RUXNkYmFvdWpiZjZLYkJFcFVSNTZyT3pDYWNMTnc0bkxEcVk0RWF1cWJnaDU4YkdYbUY3ZDViZGFlOVVqeEtpa2MtVkQxVUxxOF9VUGFxVlphaDg3b25lMU9GYjhJdkNpWWw2RHlCZXV0bTN1M2NsZ0Etd3dadGtjRHh4ZHItRlF1LUJGYnRkUQ?oc=5) · San Diego Free Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34548 (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/52.json (key "34548", 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