The First National Bank of Ely: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 4.63 percentage points in Q2 2026, from 13.60% to 18.23%. It was the largest change from Q1 2026 among the key lines here. Within Nevada, The First National Bank of Ely is 8th of 14 on return on assets, 1.26% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; The First National Bank of Ely reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.52% |
| Equity capital to assets | 5.86% |
| Tangible equity to tangible assets | 5.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.51% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 21.10% |
| Net interest margin | 2.97% |
| Efficiency ratio | 53.64% |
| Yield on earning assets | 4.25% |
| Cost of funds | 1.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 18.23% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.74% |
| Securities to assets | 75.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.44% | 1.89% | 3.08% | 7.31% | 0.00% |
| Q4 2023 | 11.04% | -5.59% | 4.84% | 0.00% | 0.00% |
| Q1 2024 | 11.76% | 1.84% | 2.96% | 0.00% | 0.00% |
| Q2 2024 | 11.48% | 1.73% | 3.13% | 0.00% | 0.00% |
| Q3 2024 | 11.50% | -0.10% | 2.51% | 0.00% | 0.00% |
| Q4 2024 | 11.14% | 0.46% | 2.63% | 0.00% | 0.00% |
| Q1 2025 | 11.59% | 1.07% | 2.76% | 0.00% | 0.00% |
| Q2 2025 | 11.25% | 1.11% | 2.98% | 0.00% | 0.00% |
| Q3 2025 | 11.69% | 1.28% | 2.89% | 0.00% | 0.00% |
| Q4 2025 | 10.91% | 0.52% | 2.91% | 0.00% | 0.00% |
| Q1 2026 | 10.98% | 1.50% | 2.87% | 0.00% | 0.00% |
| Q2 2026 | 10.52% | 1.26% | 2.97% | 0.00% | 0.00% |
The First National Bank of Ely vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Ely, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The First National Bank of Ely profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2273) · FFIEC NIC profile (RSSD 450669)