Neighborhood National Bank

What Neighborhood National Bank does

Neighborhood National Bank (NNB) is a nationally chartered, federally insured community bank headquartered in National City, California, founded in 1997 as the first nationally chartered Community Development Financial Institution (CDFI) in the United States. The bank operates one full-service branch in El Cajon, a loan production office in Orange County, and a planned new National City branch opening Q2 2026, serving low and moderate-income communities primarily across South and East San Diego County. Its customer base centers on small-to-medium-sized businesses, minority/women/veteran-owned businesses, nonprofits, and individual consumers in underserved geographies, with a mission-driven focus that traces back to its founding premise of being a good community neighbor.

NNB's product suite spans personal banking (Neighborhood Advantage Checking, Interest Checking, savings products, Personal CDs, Traditional/Roth IRAs, Coverdell ESAs), business banking (Business Checking tiers, Non-Profit Checking, Analysis Checking, Business CDs), and a full lending stack including SBA 7(a)/504/Express/Capline programs, California State Guarantee and CalCAP programs, multifamily loans, commercial real estate loans, term loans, revolving lines of credit, and construction loans. Digital delivery is provided through the GoBanking online banking platform, a mobile banking app with mobile check deposit (Mobile Capture), Corporate Capture for business check scanning, telephone banking, and merchant card services with payment processing. Financial calculators covering mortgage, loan, retirement, savings, insurance, and tax planning round out the product surface.

Revenue is generated primarily through interest income on the bank's commercial, commercial real estate, multifamily, SBA, and consumer loan portfolio (against $226M in total assets as of 2025), supplemented by transaction-based fee income from deposit account service charges, SBA loan guarantee fees, and merchant card processing fees. The bank raised a $2.9M capital injection in 2018 and over $4M in H1 2022 from existing shareholders, received a $3.7M CDFI Equitable Recovery Program grant in 2023, and earned a $125,000 California Investment and Innovation Program grant in 2026. 2025 represented a record year, with $3.8M in net income, $1.3M in operating profit, and $2.5M in realized tax credits. The bank's growth engine rests on its CDFI status, SBA Preferred Lender credentials, local decision-making, and exclusive positioning as the only community bank serving South San Diego County.

Name

Neighborhood National Bank

Legal name

Neighborhood National Bank

Website

https://mynnb.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Neighborhood National Bank is a federally insured, nationally chartered CDFI community bank founded in 1997, serving small-to-medium businesses, nonprofits, minority/women/veteran-owned firms, and individuals in low and moderate-income communities across South and East San Diego County with personal banking, SBA lending, multifamily financing, and digital banking services.

Ownership category

akta.pro rank

Headquarters

HQ city

National City

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Primary revenue from interest earned on loans including commercial loans, commercial real estate loans, multifamily loans, SBA loans, and consumer loans. The bank has grown total assets to $226 million with 30% growth in 2025.
2. Fee Income: Service charges on deposit accounts including monthly maintenance fees on checking accounts, analysis fees on high-activity business accounts, and early withdrawal penalties on CDs.
3. SBA Loan Guarantee Fees: Fees from SBA loan programs including 7(a), 504, Express, and Capline programs. As an approved SBA PLP Lender, the bank earns guarantee fees based on the guaranteed portion of loans.
4. Merchant Card Services: Payment processing fees from merchant card services including credit, debit, and check card transaction processing for business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Neighborhood National Bank is a nationally chartered, FDIC-insured community bank providing deposit accounts (checking, savings, CDs, IRAs) and lending products (business loans, SBA-guaranteed loans up to $5M, multifamily loans, consumer loans) to individuals, small-to-medium businesses, and non-profits. Digital banking is delivered through GoBanking online banking, a mobile banking app with mobile deposit capture, Corporate Capture check scanning, Merchant Card Services, and 24/7 telephone banking.

Product overview

Neighborhood National Bank offers a comprehensive suite of banking products and services for individuals and businesses. The bank's core offerings include personal banking (checking, savings, CDs, IRAs), business banking (checking, savings, CDs), and lending products (business loans, SBA loans, multifamily loans). Digital banking services are delivered through GoBanking Online Banking (with business treasury management capabilities), a Mobile Banking App with mobile check deposit, Merchant Card Services for payment processing, Corporate Capture for business check scanning, and Telephone Banking. The bank also provides an extensive suite of financial calculators covering mortgages, loans, retirement, savings, insurance, and tax planning. As a certified Community Development Financial Institution (CDFI), the bank focuses on serving low and moderate-income communities in San Diego County.

Differentiator

Problem solved

Functional benefit

Products and services

• Neighborhood Advantage Checking
• Interest Checking
• Neighborhood Advantage Savings
• Premium Money Market
• Minor Savings
• Personal Certificates of Deposit (CDs)
• Traditional IRA
• Roth IRA
• Coverdell Education Savings Account (ESA)
• Business Checking
• Non-Profit Checking
• Analysis Checking
• Business CDs
• Revolving Lines of Credit
• Term Loans
• Commercial Real Estate Loans
• Construction Loans
• SBA 7(a) Loan Program
• SBA 504 Loan Program
• SBA Express Loan Program
• SBA Capline Loan Program
• California State Guarantee Program
• California Capital Access Program
• Multifamily Loans
• GoBanking Online Banking
• Mobile Banking App
• Corporate Capture
• Telephone Banking
• Merchant Card Services

Quantifiable outcome

• 30% growth in total assets to $226 million in 2025
• +4 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• U.S. Small Business Administration (SBA)coreGTM or Marketing Partner · 30 October 2018Neighborhood National Bank is an approved SBA PLP (Preferred Lender Program) Lender participating in SBA 7(a), SBA 504, SBA Express, and SBA Capline loan programs. The partnership enables the bank to provide government-guaranteed loans up to $5 million with longer repayment terms and competitive rates to small businesses.
• California State Guarantee ProgramcoreGTM or Marketing PartnerThe bank participates in the California State Guarantee program alongside SBA programs to provide additional lending support and guarantee coverage for small business borrowers.
• California Capital Access ProgramminorGTM or Marketing PartnerThe bank partners with California Capital Access Program (CalCAP) to provide small business lending with additional credit support and loss reserve contributions.
• FDICcoreOthersFDIC-insured bank with deposits backed by the full faith and credit of the U.S. Government. FDIC insurance provides deposit protection for customers.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Broadway Federal Bank: Los Angeles-based FDIC-insured CDFI-certified minority community bank focused on commercial loans and deposits for underserved African-American communities. Closest comparable by CDFI status, mission focus, and similar asset size/class.
• Commonwealth Business Bank: Los Angeles-area community bank serving minority-owned and small businesses with commercial lending and SBA programs. Highly comparable given similar Southern California footprint, mission-driven customer focus, and asset size.
• Pacific City Bank: Southern California community bank focused on Asian-American, immigrant, and minority-owned small businesses with SBA and commercial real-estate lending. Comparable as a small-deposit, community-focused institution with similar product mix.

Broad incumbents

• Mechanics Bank: Larger Northern and Southern California community bank offering the same small-business lending, SBA, multifamily, and deposit products as NNB. Useful incumbent benchmark for scaling, deposit-gathering, and CRE underwriting practices.
• Banc of California: California regional bank with strong small-business, SBA, and multifamily lending franchise. Provides a public-market proxy for valuation and a competitive benchmark in the multi-family and SBA lending arena.

Regional players

• Carver Federal Savings Bank: New York City-based CDFI-certified minority depository institution serving African-American and faith-based communities. Comparable as a CDFI-designated bank with mission-aligned lending, but operates in a different geography.
• Hope Credit Union: Mississippi-based CDFI credit union serving low-wealth, Black, and rural communities across the Deep South. Comparable as a CDFI serving persistently distressed markets, although structured as a credit union rather than a national bank.
• Self-Help Federal Credit Union: Durham, NC-based CDFI serving low-income and minority communities with small-business and community development loans. Comparable on mission and CDFI status but a different legal structure and geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/san-diego-neighborhood-national-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Neighborhood National Bank