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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