At a glance
From its website, read 2 Nov 2026Neighborhood Bancorp is a bank holding company based in National City, California. Its website describes commercial real estate loans, equipment loans, SBA-backed loans and 1 other loan type. Where it lends: San Diego County, California.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.mynnb.com |
|---|---|
| Office (official list) | PO Box 420, National City, CA 91951 |
What their website says about applying
Before you consider buying another property or refinancing your existing loan, call us today to discuss the best financing solution for you.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Commercial real estate loans | Term: up to 30 yr | 30 Year Terms | source |
| SBA-backed loans (7(a)/504/Community Advantage) | Term: up to 25 yr | Longer repayment terms up to 25 years. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Oct 2013 |
| RSSD ID | 2333131 |
| Address | PO Box 420, National City, CA 91951 Directions to the main office (Google Maps) |
| Website | www.mynnb.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Pages are thin on lending terms; no minimum loan size or online loan application was found, and the service area rests only on a marketing line. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Neighborhood Bank offers a wide variety of loan programs for the purchase and finance of commercial real estate, including industrial, retail, apartments and mixed use. | source |
| Equipment loans | — | Term loans can assist with business acquisition and the purchase of equipment, machinery or other fixed assets. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | up to $5M | Loan amounts up to $5,000,000. | source |
| Small-business loans | — | Neighborhood Bank revolving lines of credit can assist with accounts receivable financing, inventory financing and other short-term funding needs. | source |
Loan sizes
Loan amounts up to $5,000,000.
source
Service area
San Diego County, California
25 years serving San Diego County!
source
Counties this matches: San Diego County, CA
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.mynnb.com/
- https://www.mynnb.com/lending/business-loans
- https://www.mynnb.com/lending/small-business-administration-loans
- https://www.mynnb.com/banking/business/merchant-card-services
- https://www.mynnb.com/lending/mutifamily-loans
- https://www.mynnb.com/banking/personal/iras
- https://www.mynnb.com/services/corporate-capture
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.4 million in 5 awards from the U.S. Treasury's CDFI Fund, 1997–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2009 | CDFI Program, Financial Assistance | $1,000,000 |
| 2006 | CDFI Program, Technical Assistance | $100,000 |
| 2005 | CDFI Program, Technical Assistance | $75,000 |
| 1997 | CDFI Program, Financial Assistance | $1,500,000 |
New Markets Tax Credit allocations
$5 million in 1 allocation. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2002 | New Markets Tax Credit allocation | $5,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Neighborhood National Bank (FDIC cert 34548, total assets $228 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $228 million (as of 30 Jun 2026) |
|---|---|
| Offices | 2 (as of 30 Oct 2026) |
Offices by state and county (2)
California (2 offices)
- San Diego County (2): 2987 Jamacha Rd, El Cajon 92019 (main office); 305 E 8th St, National City 91950
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Neighborhood National Bank (RSSD 2333140, FDIC cert 34548), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $180.1 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 19.4% from $150.8 million on 30 Jun 2025 |
| Total assets | $228 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $1.4 million | 0.8% |
| Commercial real estate, construction and multifamily | $139.1 million | 77.2% |
| Commercial and industrial (business) loans | $39.2 million | 21.8% |
| All other loans and leases | $421,000 | 0.2% |
None reported on the 30 Jun 2026 report: home equity lines of credit; farmland and farm production loans; consumer loans (credit cards, auto, other).
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 3 loans $130,000 | 17 loans $971,000 |
| $100,001 to $250,000 | 5 loans $777,000 | 22 loans $3.6 million |
| $250,001 to $1 million | 51 loans $31.8 million | 27 loans $12.5 million |
| All small business loans | 59 loans $32.7 million | 66 loans $17.1 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $228 million | Larger than 0% of the 8 other certified banks and bank holding companies in California (median $782 million). |
| Loans as a share of assets | 79% | Median of the same 8 banks and bank holding companies: 78%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $150.8 million → $180.1 million (+19%) | Median change of 8 other certified banks and bank holding companies in California: +6%. Rank by loans held among these 9: 8 → 8. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in California | 8 | larger than 0% |
| Loans held then vs now | certified banks and bank holding companies in California reporting both dates | 8 | rank 8 → 8 of 9 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Neighborhood National Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in National City and California
- Neighborhood National BankBank or thrift · National City, CACommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Springboard CDFILoan fund · National City, CAHome mortgagesVerified
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Neighborhood Bancorp? Link to this page
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