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Nevada Bank and Trust Company

Caliente, NV · Cert 22669

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=573 to 620). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

42

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

53

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Nevada Bank and Trust Company

Caliente, NV · Cert 22669

State charter, non-member · FDIC · 4 branches

Q2 2026

$217.5MAssets
$67.5MLoans
$195.2MDeposits
$21.9MEquity
Loan mix
64%RE $46.3M19%C&I $13.4M17%Consumer $12.3MQ2 2025Q2 2026
Deposit mix
50%Interest-bearing $98.1M50%Noninterest $97.1MQ2 2025Q2 2026

NIM

4.13%Q2 ’244.09%Q2 ’254.27%Q2 ’26+7%+8%

Non-interest income vs. expense

3.19%Q2 ’242.99%Q2 ’253.03%Q2 ’26-9%-1%

Market Position · Las Vegas-Henderson-North Las Vegas, NV · 2026 SOD (annual) · 0.0% share · #37 of 41 inst. · $0.0B of $95.0B

9.3% Elko
26.1% White Pine
100.0% Lincoln
0.0% Clark

Executive Summary

  • Earnings: ROA of 0.98%, up 6 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.05% of loans (+2 bps YoY), with net charge-offs at 0.75%.
  • Capital: tier 1 leverage ratio of 13.01%, up 61 bps from a year ago.
  • Funding: loans stand at 34.59% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.98%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+26 bps YoY

Efficiency Ratio (YTD, annualized)

69.56%-454 bps YoY

Tier 1 Leverage Ratio

13.01%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.91%0.92%1.14%0.98%+6 bps
Return on Equity10.05%9.79%9.79%11.25%9.64%-41 bps
Net Interest Margin3.47%3.46%3.31%3.47%3.73%+26 bps
Efficiency Ratio74.10%73.37%71.94%67.51%69.56%-454 bps
Non-Interest Burden2.42%2.39%2.23%2.18%2.40%-2 bps
Growth
Asset Growth (YoY)1.98%1.58%10.70%3.19%7.03%+505 bps
Loan Growth (YoY)-2.58%-3.79%-6.46%-2.14%-5.80%-322 bps
Deposit Growth (YoY)5.85%5.71%9.09%1.74%6.27%+42 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.04%0.05%0.03%0.05%+2 bps
Net Charge-Offs / Loans0.14%0.12%0.33%-0.01%0.75%+61 bps
Allowance / Loans1.41%1.45%1.48%1.46%1.40%-2 bps
Allowance Coverage of NPLs42.3x37.5x27.9x50.1x28.6x-13.6x
Capital
Tier 1 Leverage Ratio12.39%12.40%11.74%11.75%13.01%+61 bps
Total Risk-Based Capital12.39%12.40%11.74%11.75%13.01%+61 bps
Equity / Assets9.46%10.10%9.85%10.46%10.06%+60 bps
Liquidity & Funding
Loans / Deposits39.02%39.44%35.34%39.10%34.59%-443 bps
Liquid Assets / Assets0.19%0.49%0.46%1.71%7.59%+740 bps
CRE / Total Capitaln/a173.82%166.67%165.33%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Nevada Bank and Trust Company

Caliente, NV · Cert 22669 · Peer group: banks under $1B in assets (n=573-620)

State charter, non-member · FDIC · 4 branches

Q2 2026

$217.5MAssets
$67.5MLoans
$195.2MDeposits
$21.9MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 79% of banks under $1B in assets (rank 119 of 573).
  • Widest gap: net charge-offs / loans trails 95% of banks under $1B in assets (rank 548 of 573).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.96%

Rank 327 of 620

Net Interest Margin

3.73%

Rank 245 of 620

Efficiency Ratio

69.56%

Rank 335 of 620

Equity / Assets

10.06%

Rank 359 of 620

Non-interest income vs. expense

$1.3M$6.2MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 46% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.96%0.60%1.00%1.45%Beats 47%327 / 620
Return on Equity9.54%5.30%9.30%13.29%Beats 51%302 / 620
Net Interest Margin3.73%3.02%3.53%4.04%Beats 60%245 / 620
Efficiency Ratio69.56%58.35%68.08%79.37%Beats 46%335 / 620
Asset Quality
Nonperforming Loans / Loans0.05%0.09%0.47%1.27%Beats 79%119 / 573
Net Charge-Offs / Loans0.38%n/a0.01%0.06%Beats 5%548 / 573
Capital
Tier 1 Capital Ratio13.01%11.27%13.87%18.78%Beats 44%348 / 620
Total Risk-Based Capital Ratio13.01%11.69%14.57%19.67%Beats 39%381 / 620
Equity / Assets10.06%9.03%10.60%13.73%Beats 42%359 / 620
Liquidity & Funding
Loans / Deposits34.59%65.08%79.69%92.47%5th pctl555 / 585
Loans / Assets31.04%51.85%67.17%77.86%12th pctl546 / 620
Brokered Deposits / Depositsn/aNot reported for this institution