TellerScore

Side-by-side · Q2 2026 data

Neighborhood National Bank vs Capital Bank and Trust Company

Bank

Neighborhood National Bank

El Cajon, California · $100 million – $1 billion

65of 100
Moderate

Bank

Capital Bank and Trust Company

Irvine, California · $100 million – $1 billion

94of 100
Very strong

Metric by metric

MeasureNeighborhood National BankCapital Bank and Trust Company
TellerScore6594 (stronger)
Capital cushion66100 (stronger)
Loan quality77100 (stronger)
Earnings46100 (stronger)
Funding & liquidity4861 (stronger)
Problem-loan coverage92100 (stronger)
Peer percentile29th98th
Total assets$228.0M$266.1M
Deposits / shares$177.7M$500K
Capital ratio11.63%79.26% (stronger)
Problem loans0.68%0.00% (stronger)
Net charge-offs0.24%0.00% (stronger)
Return on assets0.65%81.14% (stronger)
Loans ÷ deposits100.2%0.0% (stronger)
Uninsured deposits26.1% (stronger)50.0%
Offices21
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)——

Capital Bank and Trust Company has the higher TellerScore (94 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Neighborhood National Bank leads on 1 and Capital Bank and Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

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