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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