Meadows Bank
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Data as of · sourced from FFIEC call reports. How we update
Meadows Bank is an FDIC-insured commercial bank headquartered in Las Vegas, NV, established in 2008 (FDIC certificate 58722), and it is supervised by the FDIC. At Q1 2026 it reported total assets of $1.45B, up 7.4% from Q1 2025. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.95% at Q1 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58722
- Headquarters
- Las Vegas, NV
- Established
- 2008
- Total assets, Q1 2026
- $1.45B
- Assets vs Q1 2025
- +7.4%
- Tier 1 leverage ratio, Q1 2026
- 13.95%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 122402382
Meadows Bank earns an unusually wide margin on its lending. Its balance sheet stood at $1.5 billion at March 31, 2026, up 7.4% from a year earlier; it is based in Las Vegas, Nevada. It keeps 4.64 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 897 banks with $1 billion to $10 billion in assets (median 3.61 cents). It also lost 7.6% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.8%).
Net income for the quarter rose 12% from a year earlier, to $5.3 million. Over the same year, loans grew 10.5% and deposits shrank 7.6%. Funding is the softer spot: it holds about two-fifths of its deposits (44%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of March 31, 2026, Meadows Bank reported a return on assets of 1.51%, a nonperforming-loan ratio of 1.05% and a Texas ratio of 2.60%. The figures come from its call report filed with the FFIEC.
Between Q4 2025 and Q1 2026, its total assets rose 2.3% to $1.45B, loans rose 2.5% and deposits fell 11.3%. The largest part of its loan book on March 31, 2026 was owner-occupied commercial real estate loans, at 44.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 28.4%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities across 2 states; its Las Vegas office books 66% of its branch deposits. Judged on its Q1 2026 call report, Meadows Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 8912 Spanish Ridge Ave, Las Vegas, NV 89148
- County
- Clark
- Metro Area
- Las Vegas-Henderson-North Las Vegas, NV
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 26, 2008
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 166
- Domestic deposits
- $1.07B
- Allowance for credit losses
- $14.1M
- Net charge-offs (YTD)
- $45K
- Average total assets
- $1.41B
- Average total loans
- $1.27B
- Average interest-bearing deposits
- $717.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 26, 2008
- FDIC Cert
- 58722
- Fed RSSD
- 3719648
Profitability
Q1 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q1 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, Meadows Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q1 2026, Meadows Bank's total assets ran between $1.16B (Q2 2023) and $1.45B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q1 2026 with Q1 2025. How these charts are built
$1.45B total assets against $1.35B; $1.26B total liabilities against $1.17B.
$1.29B net loans and leases against $1.16B; $1.07B total deposits against $1.16B.
$23.0M securities against $26.8M; $109.3M cash and balances due against $127.3M.
$22.0M total interest income against $20.2M; $6.0M total interest expense against $5.7M.
$16.1M net interest income against $14.5M.
$505K total noninterest income against $602K; $9.7M total noninterest expense against $9.0M.
$0 provision for credit losses against $0.
$5.3M net income against $4.8M.
1.51% return on assets against 1.44%; 4.64% net interest margin against 4.46%.
13.95% tier 1 leverage ratio against 13.64%.
Inside the full Meadows Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Quarterly trend: last 8 quarters
From Q2 2024 to Q1 2026, its return on assets ran from 1.44% (Q1 2025) to 1.87% (Q3 2025) and its net interest margin ran from 4.46% (Q1 2025) to 4.80% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q1 2026 | 13.95% | 1.51% | 1.05% | 2.60% | 4.64% |
| Q4 2025 | 13.92% | 1.85% | 0.90% | 2.49% | 4.74% |
| Q3 2025 | 13.84% | 1.87% | 0.87% | 1.93% | 4.80% |
| Q2 2025 | 13.63% | 1.74% | 1.15% | 3.73% | 4.63% |
| Q1 2025 | 13.64% | 1.44% | 1.07% | 2.68% | 4.46% |
| Q4 2024 | 13.80% | 1.66% | 1.01% | 2.49% | 4.50% |
| Q3 2024 | 13.96% | 1.69% | 0.59% | 1.14% | 4.53% |
| Q2 2024 | 14.04% | 1.82% | 0.53% | 1.24% | 4.79% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2025. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Meadows Bank (main office) | Las Vegas , NV | 89148 | $781.8M |
| Reno Branch 4 Branch | Reno , NV | 89509 | $131.8M |
| Pahrump Office Branch | Pahrump , NV | 89048 | $115.4M |
| Henderson Branch 3 Branch | Henderson , NV | 89052 | $102.9M |
| Reno Downtown | Reno , NV | 89501 | $38.2M |
| Phoenix Branch | Phoenix , AZ | 85016 | $20.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- SBA 7(a) lending
- 1 loans, $1.8M approved, $1.8M average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Deposit market share, Mortgage lending (HMDA), 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 Meadows Bank
What are Meadows Bank's total assets?
As of the Q1 2026 filing, Meadows Bank reported total assets of $1.45 billion in its FFIEC call report.
Where is Meadows Bank headquartered?
It is headquartered in Las Vegas, NV, United States.
When was Meadows Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Meadows Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Meadows Bank?
Meadows Bank's primary federal regulator is the FDIC.
How many branches does Meadows Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Meadows Bank's Texas Ratio?
Its Texas Ratio is 2.60% in its Q1 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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