The First National Bank of Ely
Also written as FNB of Ely
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Ely is an FDIC-insured commercial bank headquartered in Ely, NV, established in 1907 (FDIC certificate 2273), and it is supervised by the OCC. At Q2 2026 it reported total assets of $132.9M, up 11.1% from Q2 2025, the 14th largest of 14 banks headquartered in Nevada. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.52% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2273
- Headquarters
- Ely, NV
- Established
- 1907
- Total assets, Q2 2026
- $132.9M
- Assets vs Q2 2025
- +11.1%
- Tier 1 leverage ratio, Q2 2026
- 10.52%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 124200249
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Ely Q3 2026 call report, filed October 15, 2026 (preliminary)
- Holding company
- FNBELY BANCORPORATION
- Asset rank in state
- 14th of 14 in Nevada
The First National Bank of Ely, based in Ely, Nevada, reported $133 million in assets at June 30, 2026, up 11.1% from a year earlier. It keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Loans are outrunning deposits: over the year loans rose 56.9% and deposits rose 4.0%. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.1 million equal 44% of Tier 1 capital, down from 64% a year earlier.
As of June 30, 2026, The First National Bank of Ely reported a return on assets of 1.26%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The First National Bank of Ely ranks as the smallest of the 14 banks based in Nevada, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $132.9M, loans rose 28.5% and deposits fell 4.1%. Commercial and industrial loans made up 57.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 14.5%. Its one office in the FDIC Summary of Deposits is in Ely, NV. By the capital ratios in its Q2 2026 call report, The First National Bank of Ely meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 595 Aultman St, Ely, NV 89301
- County
- White Pine
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 23, 1907
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $119.3M
- Allowance for credit losses
- $111K
- Net charge-offs (YTD)
- $0
- Average total assets
- $132.3M
- Average total loans
- $18.9M
- Average interest-bearing deposits
- $82.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2273
- Fed RSSD
- 450669
- Website
- www.fnbely.com →
- Parent Holding Company
- FNBELY BANCORPORATION (RSSD 5192393)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Ely reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Ely's total assets ranged from $117.8M (Q4 2023) to $132.9M (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$132.9M total assets against $119.6M; $125.2M total liabilities against $114.8M.
$21.6M net loans and leases against $13.7M; $119.3M total deposits against $114.7M.
$100.5M securities against $94.4M; $4.1M cash and balances due against $4.9M.
$1.3M total interest income against $1.2M; $414K total interest expense against $376K.
$932K net interest income against $858K.
$41K total noninterest income against $33K; $539K total noninterest expense against $563K.
-$7K provision for credit losses against -$6K.
$417K net income against $331K.
1.26% return on assets against 1.11%; 2.97% net interest margin against 2.98%.
10.52% tier 1 leverage ratio against 11.25%.
Inside the full The First National Bank of Ely terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Ely rankings
Its closest position to the top of a national ranking is 1,120 of 3,606, for efficiency ratio; its furthest is 3,600 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.10% (Q3 2024) to 1.50% (Q1 2026) and its net interest margin ran from 2.51% (Q3 2024) to 2.98% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.52% | 1.26% | 0.00% | 0.00% | 2.97% |
| Q1 2026 | 10.98% | 1.50% | 0.00% | 0.00% | 2.87% |
| Q4 2025 | 10.91% | 0.52% | 0.00% | 0.00% | 2.91% |
| Q3 2025 | 11.69% | 1.28% | 0.24% | 0.43% | 2.89% |
| Q2 2025 | 11.25% | 1.11% | 0.00% | 0.00% | 2.98% |
| Q1 2025 | 11.59% | 1.07% | 0.00% | 0.00% | 2.76% |
| Q4 2024 | 11.14% | 0.46% | 0.00% | 0.00% | 2.63% |
| Q3 2024 | 11.50% | -0.10% | 0.00% | 0.00% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Ely | Ely , NV | 89301 | $119.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in NV, rank 35 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Ely
What are The First National Bank of Ely's total assets?
As of the Q2 2026 filing, The First National Bank of Ely reported total assets of $132.9 million in its FFIEC call report.
Where is The First National Bank of Ely headquartered?
It is headquartered in Ely, NV, United States.
When was The First National Bank of Ely founded?
It was established in 1907, per the FDIC institution directory.
Is The First National Bank of Ely FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Ely?
The First National Bank of Ely's primary federal regulator is the OCC.
How many branches does The First National Bank of Ely operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Ely's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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