At a glance
From its website, read 2 Nov 2026Neighborhood National Bank is a bank or thrift based in National City, California. Its website describes commercial real estate loans, SBA-backed loans and small-business loans. Where it lends: San Diego County.
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 91910 |
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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 18 Dec 2013 |
| RSSD ID | 2333140 |
| Address | PO Box 420, National City, CA 91910 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. Loan pages give product names but few terms, and no loan product page states minimum amounts or an online application. 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 |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Neighborhood National Bank participates in the following SBA programs | 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
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 SBA-backed 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. - How long can I take to repay?
No repayment terms are stated on their website. - 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$9.3 million in 17 awards from the U.S. Treasury's CDFI Fund, 1999–2024 (Bank Enterprise Award Program; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $217,022 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2017 | Bank Enterprise Award Program | $135,000 |
| 2016 | CDFI Program, Technical Assistance | $125,000 |
| 2011 | Bank Enterprise Award Program | $500,000 |
| 2010 | Bank Enterprise Award Program | $600,000 |
| 2009 | Bank Enterprise Award Program | $700,000 |
| 2008 | Bank Enterprise Award Program | $675,000 |
| 2007 | Bank Enterprise Award Program | $500,000 |
| 2005 | Bank Enterprise Award Program | $500,000 |
| 2004 | CDFI Program, Technical Assistance | $164,600 |
| 2003 | Bank Enterprise Award Program | $538,041 |
| 2002 | Bank Enterprise Award Program | $1,101,990 |
| 2001 | Bank Enterprise Award Program | $574,755 |
| 2000 | Bank Enterprise Award Program | $1,244,952 |
| 1999 | Bank Enterprise Award Program | $1,108,248 |
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 2026On file with the FDIC as Neighborhood National Bank (FDIC cert 34548). 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 2026Figures from the Call Report filed by Neighborhood National Bank (RSSD 2333140, FDIC cert 34548). 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 |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $312,500 (31 loans) | All 7(a) lenders in California: $270,000. Larger than the median loan of 77% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| Variable-rate 7(a) loans: rate over prime at approval, FY2024–26 | median 2 pts, the middle half all at 2 pts (14 loans; 0% at the SBA maximum) | All lenders in California: median 2.75 pts, 14% at the maximum (17,889 loans). |
| SBA approvals, FY2023–24 → FY2025–26 | 13 → 17 | Rank among the 21 certified CDFIs in California with SBA approvals in either period: 6 → 6. |
| 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 |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 77% |
| Rate over prime | all variable-rate 7(a) loans in California, FY2024–26 | 17,889 | median 2 pts vs 2.75 pts |
| SBA approvals then vs now | certified CDFIs in California with SBA approvals FY2023–2026 | 20 | rank 6 → 6 of 21 |
| 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; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 48 SBA-backed approvals for Neighborhood National Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 31 7(a) loans as the lender: $13.1M in total (gross amount approved), median $312,500
- 17 504 projects as the third-party (first-lien) lender: $19.4M in total (its own third-party loan amount), median $854,000
By fiscal year: FY2020 4 · FY2021 5 · FY2022 9 · FY2023 9 · FY2024 4 · FY2025 8 · FY2026 9.
What actually happened
- Size of its 7(a) loans: half were between $195,000 and $536,400, median $312,500 (31 loans)
- Size of its 504 first-lien loans (third-party lender): half were between $720,250 and $1.1M, median $854,000 (17 loans)
- Term of its 7(a) loans: median 120 months (10 years) (31 loans)
- Term of its 504 first-lien loans (third-party lender): median 300 months (25 years) (17 loans)
- Interest rate at approval on its 7(a) loans in FY2025–26: median 9.25%, half between 8.75% and 9.50% (12 loans; SBA's initial rate, before any change on a variable loan)
- Fixed or variable: 0% of its 7(a) loans had a fixed rate (31 loans)
- Young businesses: 10% of its 7(a) loans went to a startup or a business two years old or less (30 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (28, 58%)
- 504 projects (as the third-party lender) (17, 35%)
- 7(a) SBA Express (3, 6%)
Borrower industries
NAICS sector, 3 or more loans.
- Retail trade (20)
- Manufacturing (8)
- Accommodation and food services (5)
- Other services (except public administration) (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
How this lender was matched in the SBA files: FDIC cert 34548, found through the RSSD ID on the CDFI Fund list (SBA lists “Neighborhood National Bank”); 504 third-party lender name: same name, state and city (SBA lists “Neighborhood National Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Neighborhood National Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
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 BancorpBank holding company · National City, CACommercial real estate loans, Equipment 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
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