🏦Bank Scorer

NEIGHBORHOOD NATIONAL BANK

EL CAJON, CA · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1997FDIC #34,548
Satisfactory Same

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.59%

Institution Profile

FDIC BankFind

Address

2987 Jamacha Rd, EL CAJON, CA

County

San Diego County

Established

September 19, 1997

Total Assets

$230M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 9, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$230M

Total Deposits

$187M

Net Loans

$175M

Net Income

$335K

ROA

0.59%

ROE

4.87%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$165M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

4 previous ratings locked — dating back to 1999

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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