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

Deposit mix

NIM

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

Earnings: ROA of 0.83%, down 15 bps year over year; NIM at 3.68%.
Asset quality: problem loans at 0.05% of loans (+2 bps YoY), with net charge-offs at 1.52%.

Return on Assets (quarter, annualized)

0.83%-15 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+17 bps YoY

Efficiency Ratio (quarter, annualized)

71.57%-209 bps YoY

Tier 1 Leverage Ratio

13.01%+61 bps YoY

Discrete quarter, annualized.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.98%	0.92%	0.97%	1.14%	0.83%	-15 bps
Return on Equity	10.47%	9.36%	9.73%	11.25%	8.07%	-240 bps
Net Interest Margin	3.50%	3.56%	3.56%	3.47%	3.68%	+17 bps
Efficiency Ratio	73.67%	71.97%	68.05%	67.51%	71.57%	-209 bps
Non-Interest Burden	2.43%	2.41%	2.25%	2.18%	2.43%	0 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 / Loans	0.03%	0.04%	0.05%	0.03%	0.05%	+2 bps
Net Charge-Offs / Loans	0.05%	0.07%	0.95%	-0.01%	1.52%	+147 bps
Allowance / Loans	1.41%	1.45%	1.48%	1.46%	1.40%	-2 bps
Allowance Coverage of NPLs	42.3x	37.5x	27.9x	50.1x	28.6x	-13.6x
Capital
Tier 1 Leverage Ratio	12.39%	12.40%	11.74%	11.75%	13.01%	+61 bps
Total Risk-Based Capital	12.39%	12.40%	11.74%	11.75%	13.01%	+61 bps
Equity / Assets	9.46%	10.10%	9.85%	10.46%	10.06%	+60 bps
Liquidity & Funding
Loans / Deposits	39.02%	39.44%	35.34%	39.10%	34.59%	-443 bps
Liquid Assets / Assets	0.19%	0.49%	0.46%	1.71%	7.59%	+740 bps
CRE / Total Capital	n/a	173.82%	166.67%	165.33%	n/a	n/a