BlastPoint

BlastPoint's Banking Scorecard

Nevada Bank and Trust Company

$100M-$1B Specialty: Other NV FDIC cert 22669

Caliente, NV

4 branches across NV

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 8 in NV.
  • Deposits +6.3% year over year ($195.2M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 0.98%.
  • Efficiency ratio 69.56% vs a 64.48% peer average.
  • Loan-to-deposit ratio 34.11% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 8 in NV
View $100M-$1B leaderboard (NV) →

Nevada Bank and Trust Company has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 8.2% in tier
  • + Non-Interest-Bearing Deposit Share 27.73% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.9% in tier
  • - ROA 0.35% below tier average
  • - Net Interest Margin 0.07% below tier average
  • - Efficiency Ratio 5.08% above tier average
Get updates when Nevada Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Total Assets ? $217.5M
+7.0% YoY +5.6% QoQ
-$169.1M $386.6M
+1.2% YoY
$3.1B
+2.3% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $66.6M
-5.8% YoY -6.1% QoQ
-$191.8M $258.3M
+1.7% YoY
$1.6B
+20.6% YoY
$3.2B
+9.4% YoY
Bottom 6.2% in tier
Total Deposits ? $195.2M
+6.3% YoY +6.1% QoQ
-$131.6M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
33%
Return on Assets ? 0.98%
+6.8% YoY -14.5% QoQ
-0.35% 1.32%
+10.8% YoY
3.59%
+7.1% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 3.91%
+2.6% YoY -2.2% QoQ
-0.07% 3.99%
+5.0% YoY
5.65%
+11.1% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 69.56%
-6.1% YoY +3.0% QoQ
+5.08% 64.48%
-3.2% YoY
55.66%
-2.7% YoY
70.05%
+2.5% YoY
31%
Delinquency Rate ? 0.05%
+45.9% YoY +67.3% QoQ
-0.87% 0.92%
+15.7% YoY
1.02%
-35.3% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 34.11%
-11.3% YoY -11.5% QoQ
-43.85% 77.95%
+1.0% YoY
86.66%
+13.2% YoY
79.03%
+2.3% YoY
Top 2.4% in tier
Non-Interest-Bearing Deposit Share ? 49.76%
+6.7% YoY +6.2% QoQ
+27.73% 22.03%
-0.6% YoY
21.87%
-6.7% YoY
21.98%
-0.6% YoY
Top 1.5% in tier
Nonperforming Asset Ratio ? 0.02%
+28.5% YoY +48.8% QoQ
-0.65% 0.67%
+16.4% YoY
0.74%
+3.7% YoY
0.69%
+15.8% YoY
Top 15.0% in tier
Tier 1 Capital Ratio ? 13.00%
+4.9% YoY +10.7% QoQ
-2.90% 15.91%
+1.4% YoY
23.41%
+6.1% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.30%
+6.2% YoY +122.7% QoQ
-0.27% 0.57%
+7.6% YoY
2.78%
+2.3% YoY
0.66%
+5.2% YoY
71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Noninterest-Bearing 49.8%
+3.1pp YoY
+2.9pp QoQ
 +27.6pp 22.1% 25.5% 22.2% 98%
Brokered Deposits n/a n/a 7.9% 31.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
C&I 19.6%
+1.9pp YoY
+0.8pp QoQ
 +8.1pp 11.6% 22.5% 12.5% 87%
CRE 60.7%
-0.6pp YoY
-0.4pp QoQ
 +21.2pp 39.5% 68.4% 41.4% 85%
1-4 Family 2.9%
-0.5pp YoY
0.0pp QoQ
 -29.8pp 32.6% 12.7% 31.3% 3%
Consumer 16.8%
-0.1pp YoY
-0.5pp QoQ
 +12.7pp 4.1% 31.5% 5.0% 97%

Capital

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 29.4% 19.7% n/a
Leverage Ratio 13.0%
+0.6pp YoY
+1.3pp QoQ
 +0.8pp 12.2% 16.3% 12.6% 75%
Total Capital Ratio n/a n/a 19.9% 30.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Full-Time Employees 37
-3 (-7.5%) YoY
-3 (-7.5%) QoQ
 -22 58 177 482 37%
Assets per Employee ($) $5.9M
+15.7% YoY
+14.1% QoQ
 -$1.6M $7.5M $17.0M $8.8M 31%
Branch Count 4
0 YoY
0 QoQ
 -1 4 2 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.9% 0.4% 25%
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 8%
Allowance Coverage 28.61x
-32.3% YoY
-43.0% QoQ
 +4.45x 24.15x 4.66x 20.23x 91%
Net Charge-off Rate (YTD) 0.7%
+0.6pp YoY
+0.7pp QoQ
 +0.6pp 0.1% 1.2% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
ROE 9.6%
-0.4pp YoY
-1.6pp QoQ
 -2.6pp 12.2% 17.9% 11.6% 34%
Cost of Funds (YTD) 0.6%
-0.1pp YoY
0.0pp QoQ
 -1.1pp 1.7% 2.0% 1.7% 2%
Net Income ($, YTD) $1.0M
+14.2% YoY
— QoQ
 -$1.5M $2.6M $65.7M $40.4M 28%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#55 of 659 • Top 8.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#63 of 1256 • Bottom 4.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

41
Non-Interest-Bearing Deposit Share
funding
Value: 49.76%
Peer Median: 22.03%
#41 of 2643 Top 1.5% in $100M-$1B
64
Loan-to-Deposit Ratio
liquidity
Value: 34.11%
Peer Median: 77.95%
#64 of 2643 Top 2.4% in $100M-$1B
397
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#397 of 2643 Top 15.0% in $100M-$1B
548
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#548 of 2633 Top 20.8% in $100M-$1B

Top Weaknesses (1 metrics)

2479
Total Loans
size
Value: $66.56M
Peer Median: $258.35M
#2479 of 2643 Bottom 6.2% in $100M-$1B
Powered by BlastPoint © 2026