TellerScore

Neighborhood National Bank is a national bank headquartered in Mora, Minnesota, in business for about 63 years. At the end of Q2 2026 it reported $312.2M in total assets and $252.1M in deposits, with 6 offices.

Based on its Q2 2026 filing, Neighborhood National Bank scores 56/100, which we describe as moderate. That is higher than only 13% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 188th. Its strongest component is funding & liquidity (84/100; 76% loans-to-deposits, 9% uninsured), and its lowest is loan quality (23/100; 2.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Tier 1 leverage ratio: 11.24%
Loan quality23/100
Noncurrent loans ÷ total loans: 2.31%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 76.4% · 9.1% uninsured
Problem-loan coverage61/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 19.44%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 18 points (74 → 56), mostly because the loan quality component weakened by 71 points.

TellerScore
566676Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202473
Q3 202476
Q4 202476
Q1 202573
Q2 202574
Q3 202575
Q4 202573
Q1 202675
Q2 202656
Tier 1 leverage ratio
5.00%8.12%11.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.47%
Q3 202410.77%
Q4 202410.61%
Q1 202510.44%
Q2 202510.61%
Q3 202510.83%
Q4 202510.78%
Q1 202611.22%
Q2 202611.24%
Noncurrent loans
0.00%1.16%2.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.00%
Q4 20240.00%
Q1 20250.09%
Q2 20250.17%
Q3 20250.37%
Q4 20250.51%
Q1 20260.42%
Q2 20262.31%
Return on assets
0.78%0.95%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.78%
Q3 20240.85%
Q4 20240.89%
Q1 20250.81%
Q2 20250.94%
Q3 20251.09%
Q4 20251.13%
Q1 20261.04%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$312.2M11.24%2.31%1.13%76.4%
Q1 202675$311.1M11.22%0.42%1.04%75.5%
Q4 202573$308.7M10.78%0.51%1.13%74.8%
Q3 202575$308.1M10.83%0.37%1.09%73.6%
Q2 202574$301.7M10.61%0.17%0.94%75.1%
Q1 202573$304.8M10.44%0.09%0.81%75.1%
Q4 202476$298.9M10.61%0.00%0.89%74.4%
Q3 202476$310.5M10.77%0.00%0.85%75.2%
Q2 202473$303.1M10.47%0.05%0.78%74.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.24%
54th
Total risk-based capital17.56%
80th
Problem loans2.31%
10th
Net charge-offs0.00%
56th
Return on assets1.13%
43rd
Net interest margin3.61%
33rd
Efficiency ratio70.5%
29th
Loans to deposits76.4%
57th
Uninsured deposits9.1%
95th
Loan-loss reserves1.10%
39th
Texas ratio19.4%
6th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Independent BankBank Saint Louis Park, MN75 out of 100, Strong$314.2M12.3%0.14%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Gateway BankBank Mendota Heights, MN71 out of 100, Strong$319.5M8.4%0.00%vs
First Bank Blue EarthBank Blue Earth, MN64 out of 100, Moderate$322.7M9.5%0.39%vs
Minnesota National BankBank Sauk Centre, MN70 out of 100, Strong$298.4M9.8%0.49%vs
Citizens Bank & Trust Co.Bank Hutchinson, MN69 out of 100, Moderate$329.0M8.6%0.26%vs

Deposit insurance

Is my money safe at Neighborhood National Bank?

Yes. Neighborhood National Bank is an FDIC-insured institution (FDIC certificate #18885). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.1% of deposits ($23.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.56% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Neighborhood National Bank lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Neighborhood National Bank reported 96 home-loan applications under HMDA (LEI 549300G6F5FVAHSGKU13): 74 originated ($16,600,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Neighborhood National Bank
Former names
Peoples National Bank of Mora
Type
National bank
FDIC certificate #
18885
RSSD ID
705556
Primary regulator
OCC
Holding company
Peoples Bankshares Inc
Established
September 26, 1963
Headquarters
45 Union St N, Mora, MN 55051
Employees
46

Quick answers

Neighborhood National Bank: common questions

Is Neighborhood National Bank FDIC insured?

Yes. Neighborhood National Bank is an FDIC-insured institution (FDIC certificate #18885). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Neighborhood National Bank's TellerScore?

56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Neighborhood National Bank ever failed?

There is no failure record for FDIC certificate #18885 in the FDIC failed bank list.

How many branches does Neighborhood National Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mora

InstitutionScoreAssetsCapitalProblem loansCompare
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
The First National Bank of MilacaBank Milaca, MN81 out of 100, Strong$293.2M10.8%0.37%vs
Northwoods Bank of MinnesotaBank Park Rapids, MN80 out of 100, Strong$140.6M11.2%0.03%vs
Northview BankBank Sandstone, MN74 out of 100, Strong$469.7M10.8%0.46%vs
Frandsen Bank & TrustBank Lonsdale, MN71 out of 100, Strong$3.7B10.0%0.71%vs
Stearns Bank National AssociationBank Saint Cloud, MN67 out of 100, Moderate$3.3B15.4%2.65%vs