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Neighborhood National Bank El Cajon, CA

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Neighborhood National Bank El Cajon, CA Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Neighborhood National Bank El Cajon, CA provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Neighborhood National Bank El Cajon, CA's 7-month Certificate of Deposit rates are at 4.25%. MonitorBankRates evaluates the financial stability of Neighborhood National Bank El Cajon, CA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.38%. Rates last updated and verified on 09/19/2026.

Neighborhood National Bank El Cajon, CA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Neighborhood National Bank El Cajon, CA? Share your experience about Neighborhood National Bank El Cajon, CA by leaving a review below, or read customer reviews before you decide to use Neighborhood National Bank El Cajon, CA.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.38%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Neighborhood National Bank

2987 Jamacha Rd
El Cajon, CA 92019

https://www.mynnb.com

Neighborhood National Bank El Cajon, CA CD Rates

Product	Rate	APY	Term	View More
7-month Certificate of Deposit	-	4.25%	7-month
Min Deposit $25,000 Details Promotional rate valid until 09/30/26 - Fees could reduce the earnings on the account. - A penalty will or may be imposed for early withdrawal. - Certificates of Deposits have a time requirement, the term of the account. - The promotion is for new money only. APY 4.3282% based on the assumption that a $25,000 initial deposit and the accrued Interest remain on deposit in the COD until maturity. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.38%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Neighborhood National Bank El Cajon, CA’s Texas Ratio fell from 10.30% in Q3 2023 to 4.38% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$228M	4.38%	5.0	A+
March 31, 2026	$230M	2.18%	5.0	A+
December 31, 2025	$226M	2.61%	5.0	A+
September 30, 2025	$211M	6.00%	5.0	A+
June 30, 2025	$199M	6.99%	5.0	A
March 31, 2025	$191M	7.42%	5.0	A
December 31, 2024	$174M	10.89%	5.0	A
September 30, 2024	$169M	11.08%	5.0	A
June 30, 2024	$153M	11.26%	5.0	A
March 31, 2024	$151M	15.46%	5.0	A-
December 31, 2023	$147M	15.56%	5.0	A-
September 30, 2023	$130M	10.30%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Neighborhood National Bank El Cajon, CA is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Neighborhood National Bank El Cajon, CA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Neighborhood National Bank El Cajon, CA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Neighborhood National Bank El Cajon, CA

Bank Holding Company NEIGHBORHOOD BCORP

Address 2987 Jamacha Rd, El Cajon, CA 92019 · San Diego

Website https://www.mynnb.com

FDIC Certificate # 34548

Established 19970919

FDIC Insurance Date 19970919

Domestic Offices 2

Total Branches 2

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.38%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6481%

Return on Equity (ROE) 5.3300%

Non-Performing Loans (NPL) 0.54%

Total Assets $227,987,000

Total Deposits $177,735,000

Equity Capital $28,135,000

Net Income $739,000

Headquarters El Cajon

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Neighborhood National Bank El Cajon, CA earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Neighborhood National Bank El Cajon, CA

How many branches does Neighborhood National Bank El Cajon, CA operate?

Neighborhood National Bank El Cajon, CA currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Neighborhood National Bank El Cajon, CA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Neighborhood National Bank El Cajon, CA provides members with tools to manage their accounts and build a solid financial history.

Does Neighborhood National Bank El Cajon, CA offer online and mobile banking?

Most modern institutions like Neighborhood National Bank El Cajon, CA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mynnb.com.