Nevada Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Nevada Bank and Trust Company is an FDIC-insured commercial bank headquartered in Caliente, NV, established in 1978 (FDIC certificate 22669), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $217.5M, up 7.0% from Q2 2025, the 12th largest of 14 banks headquartered in Nevada. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22669
- Headquarters
- Caliente, NV
- Established
- 1978
- Total assets, Q2 2026
- $217.5M
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 13.01%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 124201565
- Latest call report
- Q2 2026, FFIEC 051 · Nevada Bank and Trust Company call report
- Asset rank in state
- 12th of 14 in Nevada
Nevada Bank and Trust Company, based in Caliente, Nevada, reported $217 million in assets at June 30, 2026, up 7.0% from a year earlier. It pays an average of 0.57% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 5.8% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter slipped 11% from a year earlier, to $438,000. Over the same year, loans shrank 5.8% and deposits grew 6.3%. Profitability lags: it earns about $0.86 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Nevada Bank and Trust Company reported a return on assets of 0.86%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.14%. The figures come from its call report filed with the FFIEC.
Of the 14 banks headquartered in Nevada, Nevada Bank and Trust Company is the 12th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.6% to $217.5M, loans fell 6.2% and deposits rose 6.1%. Non-owner-occupied commercial real estate loans made up 28.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.8%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in NV; its Elko office books 41% of its branch deposits. By the capital ratios in its Q2 2026 call report, Nevada Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 210 Front Street, Caliente, NV 89008
- County
- Lincoln
- 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
- June 21, 1978
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $195.2M
- Allowance for credit losses
- $944K
- Net charge-offs (YTD)
- $254K
- Average total assets
- $204.5M
- Average total loans
- $72.5M
- Average interest-bearing deposits
- $93.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 21, 1978
- FDIC Cert
- 22669
- Fed RSSD
- 400767
- Website
- www.nevadabankandtrust.com →
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, Nevada Bank and Trust Company 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, Nevada Bank and Trust Company's total assets ranged from $197.8M (Q4 2024) to $218.9M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$217.5M total assets against $203.2M; $195.6M total liabilities against $184.0M.
$66.6M net loans and leases against $70.7M; $195.2M total deposits against $183.7M.
$94.1M securities against $81.0M; $44.0M cash and balances due against $39.7M.
$2.1M total interest income against $2.1M; $263K total interest expense against $322K.
$1.9M net interest income against $1.8M.
$369K total noninterest income against $291K; $1.6M total noninterest expense against $1.5M.
$148K provision for credit losses against -$26K.
$438K net income against $492K.
0.86% return on assets against 0.98%; 3.94% net interest margin against 3.70%.
13.01% tier 1 leverage ratio against 12.39%.
Inside the full Nevada Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNevada Bank and Trust Company rankings
Its closest position to the top of a national ranking is 2,863 of 4,196, for total assets; its furthest is 3,195 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q4 2024) to 1.09% (Q1 2026) and its net interest margin ran from 3.45% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.01% | 0.86% | 0.05% | 0.14% | 3.94% |
| Q1 2026 | 11.75% | 1.09% | 0.03% | 0.09% | 3.79% |
| Q4 2025 | 11.74% | 0.94% | 0.05% | 0.16% | 3.88% |
| Q3 2025 | 12.40% | 0.92% | 0.04% | 0.13% | 3.79% |
| Q2 2025 | 12.39% | 0.98% | 0.03% | 0.12% | 3.70% |
| Q1 2025 | 12.41% | 0.86% | 0.02% | 0.06% | 3.68% |
| Q4 2024 | 12.07% | 0.65% | 0.05% | 0.19% | 3.56% |
| Q3 2024 | 11.90% | 0.76% | 0.12% | 0.45% | 3.45% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 |
|---|---|---|---|
| Elko Branch | Elko , NV | 89801 | $79.8M |
| Ely Branch | Ely , NV | 89301 | $57.5M |
| Nevada Bank and Trust Company (main office) | Caliente , NV | 89008 | $39.5M |
| Mesquite Branch of Nevada Bank and Trust | Mesquite , NV | 89027 | $18.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NV, rank 29 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $136K approved, $68K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Nevada Bank and Trust Company
What are Nevada Bank and Trust Company's total assets?
As of the Q2 2026 filing, Nevada Bank and Trust Company reported total assets of $217.5 million in its FFIEC call report.
Where is Nevada Bank and Trust Company headquartered?
It is headquartered in Caliente, NV, United States.
When was Nevada Bank and Trust Company founded?
It was established in 1978, per the FDIC institution directory.
Is Nevada Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22669). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Nevada Bank and Trust Company?
Nevada Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does Nevada Bank and Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Nevada Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 0.14% 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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