Neighborhood National Bank (FDIC #18885): Bank Stress & Real-Estate Credit Exposure

Neighborhood National Bank (FDIC Cert #18885): bank stress 76/100, severe, STABLE over 7 days; parent PEOPLES BANKSHARES INC.

Neighborhood National Bank (#18885) lends in 5 counties across 1 state; Neighborhood National Bank (#18885) reaches 68 ZIP codes: Minnesota 5 counties, 68 ZIPs.

Neighborhood National Bank (#18885) largest markets: Crow Wing County, MN (18 branches, 18 ZIPs) (#18885), Douglas County, MN (17 branches, 17 ZIPs) (#18885), Chisago County, MN (15 branches, 15 ZIPs) (#18885), Aitkin County, MN (12 branches, 12 ZIPs) (#18885), Kanabec County, MN (18 branches, 9 ZIPs) (#18885).

Neighborhood National Bank (#18885) reports $312.2 million in total assets; Neighborhood National Bank (#18885) equity $23.8 million (7.6% of Neighborhood National Bank (#18885) assets); Neighborhood National Bank (#18885) domestic deposits $252.1 million; Neighborhood National Bank (#18885) net income $1.8 million; Neighborhood National Bank (#18885) return on assets 1.13%; Neighborhood National Bank (#18885) return on equity 15.19%; Neighborhood National Bank (#18885) net interest income $5.4 million; Neighborhood National Bank (#18885) call report June 30, 2026.

Neighborhood National Bank (#18885) noncurrent real-estate loans: none reported; Neighborhood National Bank (#18885) net charge-offs on real estate 2.85%; Neighborhood National Bank (#18885) residential charge-offs 12.69%.

Neighborhood National Bank (#18885) net interest margin 3.61% against an eight-quarter Neighborhood National Bank (#18885) average of 3.31% (Neighborhood National Bank (#18885) compression -0.30 points); Neighborhood National Bank (#18885) non-residential real estate 1268.7% of equity; Neighborhood National Bank (#18885) rate-exposure score 40/100, Neighborhood National Bank (#18885) fixed-rate trap 40/100; Neighborhood National Bank (#18885) risk type credit driven; Neighborhood National Bank (#18885) rate regime rates elevated, Neighborhood National Bank (#18885) snapshot October 19, 2026.

Neighborhood National Bank (#18885) stress score moved from 77.8 on June 22, 2026 to 76.4 on October 20, 2026; Neighborhood National Bank (#18885) ranged 76.4 to 77.8 over 117 snapshots.

Neighborhood National Bank (#18885) alerts: 5 counties; top Neighborhood National Bank (#18885) alert scores: Aitkin County, MN 53 (elevated); Alexandria County, MN 27 (low); Brainerd County, MN 27 (low); Mora County, MN 27 (low); North Branch County, MN 27 (low).