Nevada Bank and Trust Company
Caliente, NV · Cert 22669 · Peer group: banks under $1B in assets (n=581-629)
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 80% of banks under $1B in assets (rank 118 of 581).
- Widest gap: net charge-offs / loans trails 96% of banks under $1B in assets (rank 556 of 581).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.96%
Rank 340 of 629
Net Interest Margin
3.73%
Rank 256 of 629
Efficiency Ratio
69.56%
Rank 342 of 629
Equity / Assets
10.06%
Rank 376 of 629
Non-interest income vs. expense
Unfavorable gap of $4.9M · efficiency ratio beats 46% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.60% | 1.01% | 1.45% | Beats 46% | 340 / 629 | n/a | |
| Return on Equity | 9.54% | 5.38% | 9.30% | 13.28% | Beats 51% | 310 / 629 | n/a | |
| Net Interest Margin | 3.73% | 3.03% | 3.54% | 4.05% | Beats 59% | 256 / 629 | n/a | |
| Efficiency Ratio | 69.56% | 58.35% | 67.79% | 79.08% | Beats 46% | 342 / 629 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.46% | 1.20% | Beats 80% | 118 / 581 | n/a | |
| Net Charge-Offs / Loans | 0.38% | n/a | 0.01% | 0.06% | Beats 4% | 556 / 581 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 13.01% | 11.24% | 13.84% | 18.77% | Beats 44% | 351 / 629 | n/a | |
| Total Risk-Based Capital Ratio | 13.01% | 11.58% | 14.43% | 19.66% | Beats 39% | 386 / 629 | n/a | |
| Equity / Assets | 10.06% | 9.09% | 10.65% | 13.80% | Beats 40% | 376 / 629 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 34.59% | 67.24% | 80.90% | 93.48% | 5th pctl | 566 / 594 | n/a | |
| Loans / Assets | 31.04% | 53.31% | 67.71% | 78.15% | 11th pctl | 557 / 629 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |