Neighborhood National Bank

Headquarters

3511 National Avenue
San Diego, CA 92113
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.95% →
1-Year CD 0.35% 1.01% →
2-Year CD 0.50% 0.95% →
5-Year CD 0.80% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Neighborhood National Bank is an FDIC insured institution located in San Diego, CA. It was founded in 1997 and has approximately $0.07 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 34548
Date Established 1997
Assets $ 72.30 million
Loans $ 41.29 million
Deposits $ 53.84 million
Capital $ 10.84 million
 

For a more detailed analysis of Neighborhood National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $24,999 Learn More
36 Mo CD
0.60% $100,000 $249,999 Learn More
48 Mo CD
0.70% $10,000 $24,999 Learn More
48 Mo CD
0.70% $100,000 $249,999 Learn More
60 Mo CD
0.80% $10,000 $24,999 Learn More
60 Mo CD
0.80% $100,000 $249,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 $99 Learn MoreShow Less
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Neighborhood National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.569% 2.500% 0.88 $2,258 $988 Learn More
First Internet Bank
NMLS ID: 424182
2.565% 2.500% 0.88 $2,142 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Neighborhood National Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Neighborhood National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Neighborhood National Bank Locations


Financial Details

Neighborhood National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Neighborhood National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Neighborhood National Bank U.S. Bank Average
3.66% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Neighborhood National Bank had $437,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,842,000 in equity and $1,092,000 in loans loss reserves. That gives it a Texas Ratio of 3.66%.

Return on Equity
Neighborhood National Bank U.S. Bank Average
-23.48% 7.80%

Neighborhood National Bank has a Return on Equity of -23.48% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Neighborhood National Bank U.S. Bank Average
15% 12.68%

Neighborhood National Bank has a Capitalization of 15% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Neighborhood National Bank Balance Sheet Analysis

As of March 31, 2020, Neighborhood National Bank had assets of $72,302,000, loans of $41,285,000, and deposits of $53,840,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 2.82 million
Interest-bearing balances $ 0.87 million
Total securities $ 1.12 million
Federal funds sold and reverse repurchase $ 23.14 million
Net loans and leases $ 41.29 million
Loan loss allowance $ 1.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.14 million
All other assets $ 2.91 million
     Total Assets $ 61.46 million
LIABILITIES
Total deposits $ 53.84 million
      Interest-bearing deposits $ 38.71 million
      Deposits held in domestic offices $ 53.84 million
      % insured (estimated) 86.20%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.50 million
Subordinated debt N.A.
All other liabilities $ 1.12 million
      Total Liabilities $ 61.46 million
      Shareholders’ Equity $ 10.84 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.63 million
Total Interest Expense $ 0.12 million
Net interest income $ 0.51 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.21 million
Total non interest expense $ 1.38 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Neighborhood National Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Neighborhood National Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.40
Multifamily
Mortgages
9.06
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 57.16
Commercial and Industrial Loans 22.90
Farm Loans 0.00

Frequently Asked Questions About Neighborhood National Bank

Branches and Savings

Is Neighborhood National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34548.

Why does Neighborhood National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Neighborhood National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Neighborhood National Bank a commercial bank?

Yes

Where are Neighborhood National Bank locations?

See branch locations nearby.

Is Neighborhood National Bank open on Saturdays?

Is Neighborhood National Bank open on Sundays?

What time does Neighborhood National Bank open?

What time does Neighborhood National Bank close?

Are Neighborhood National Bank ATMs Open 24/7?

Do Neighborhood National Bank ATMs accept cash deposits?

Can Neighborhood National Bank customers use other ATMs?

Do Neighborhood National Bank branches have notaries?

Will Neighborhood National Bank notarize my document?

What address for Neighborhood National Bank should I put for incoming ACH transfers?

Will the Neighborhood National Bank branch print checks?

Do Neighborhood National Bank checks expire?

Does Neighborhood National Bank require US citizenship to open account?

Can Neighborhood National Bank close my account?

Does Neighborhood National Bank Report to credit bureaus?

Does Neighborhood National Bank Use Equifax?

What is Neighborhood National Bank's ACH Routing Number?

What is Neighborhood National Bank's SWIFT code?

Products

Does Neighborhood National Bank offer mortgages?

Compare mortgage rates here.

Does Neighborhood National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Neighborhood National Bank offer personal loans?

Compare personal loan rates here.

Does Neighborhood National Bank offer student loans?

Will Neighborhood National Bank cash a check?

Will Neighborhood National Bank redeem a savings bond?

Does Neighborhood National Bank cash savings bonds?

Will Neighborhood National Bank cash money orders?

Can Neighborhood National Bank issue a money order?

Does Neighborhood National Bank do currency exchange?

Background on The Bank

Who owns Neighborhood National Bank?

How long has Neighborhood National Bank been around?

Can Neighborhood National Bank transfer to other banks?

Does Neighborhood National Bank have quick pay?

Does Neighborhood National Bank accept rolled coins?

Will Neighborhood National Bank accept loose change?

Where is Neighborhood National Bank headquarters?

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