PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Ely, The

Ely, NV · Cert 2273 · Fnbely Bcorp

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

10

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

79

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 2026-10-11

First National Bank of Ely, The

Ely, NV · Cert 2273 · Fnbely Bcorp

National charter · OCC · 1 branch

Q2 2026

$132.9MAssets
$21.7MLoans
$119.3MDeposits
$7.8MEquity
Loan mix
48%RE $7.6M50%C&I $7.9M3%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $81.5M32%Noninterest $37.8MQ2 2025Q2 2026

NIM

3.78%Q2 ’244.03%Q2 ’253.95%Q2 ’26-8%-1%

Non-interest income vs. expense

1.67%Q2 ’241.76%Q2 ’251.52%Q2 ’26+21%-14%

Executive Summary

  • Earnings: ROA of 1.09%, up 24 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.52%, down 72 bps from a year ago.
  • Funding: loans stand at 18.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.74%-2 bps YoY

Efficiency Ratio (YTD, annualized)

53.28%-774 bps YoY

Tier 1 Leverage Ratio

10.52%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.89%0.77%1.18%1.09%+24 bps
Return on Equity19.23%18.04%14.72%19.12%17.88%-135 bps
Net Interest Margin2.76%2.79%2.64%2.70%2.74%-2 bps
Efficiency Ratio61.02%59.00%64.90%51.04%53.28%-774 bps
Non-Interest Burden1.63%1.59%1.67%1.32%1.40%-23 bps
Growth
Asset Growth (YoY)1.20%2.26%5.02%9.20%11.13%+993 bps
Loan Growth (YoY)51.45%49.66%71.02%47.43%56.89%+545 bps
Deposit Growth (YoY)0.67%1.72%2.64%7.94%4.00%+334 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.24%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.90%0.92%0.80%0.70%0.51%-39 bps
Allowance Coverage of NPLsn/a3.8xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.25%11.69%10.91%10.98%10.52%-72 bps
Total Risk-Based Capital11.25%11.69%10.91%10.98%10.52%-72 bps
Equity / Assets4.01%6.49%6.33%6.05%5.86%+185 bps
Liquidity & Funding
Loans / Deposits12.08%12.79%13.09%13.60%18.23%+614 bps
Liquid Assets / Assets3.62%2.63%4.48%2.95%2.66%-96 bps
CRE / Total Capitaln/a46.02%46.06%43.77%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 2026-10-11

First National Bank of Ely, The

Ely, NV · Cert 2273 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Fnbely Bcorp

National charter · OCC · 1 branch

Q2 2026

$132.9MAssets
$21.7MLoans
$119.3MDeposits
$7.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: equity / assets trails 98% of banks under $1B in assets operating in a single state (rank 730 of 746).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.07%

Rank 367 of 746

Net Interest Margin

2.74%

Rank 672 of 746

Efficiency Ratio

53.28%

Rank 154 of 746

Equity / Assets

5.86%

Rank 730 of 746

Non-interest income vs. expense

$0.2M$2.0MINCOMEEXPENSE
Unfavorable gap of $1.9M · efficiency ratio beats 79% of banks under $1B in assets operating in a single state
Bank 53.28%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.72%1.06%1.45%Beats 51%367 / 746
Return on Equity18.23%6.74%10.51%13.63%Beats 94%47 / 746
Net Interest Margin2.74%3.17%3.68%4.16%Beats 10%672 / 746
Efficiency Ratio53.28%55.74%64.58%75.47%Beats 79%154 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio10.52%11.55%13.75%17.60%Beats 14%639 / 746
Total Risk-Based Capital Ratio10.52%11.71%14.33%18.43%Beats 13%649 / 746
Equity / Assets5.86%8.90%10.51%13.06%Beats 2%730 / 746
Liquidity & Funding
Loans / Deposits18.23%61.31%78.27%90.78%1st pctl739 / 746
Loans / Assets16.36%53.60%66.97%76.08%1st pctl736 / 746
Brokered Deposits / Depositsn/aNot reported for this institution