BlastPoint's Banking Scorecard
Nevada Bank and Trust Company
Caliente, NV
4 branches across NV
Nevada Bank and Trust Company has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 13.5% in tier
- + Non-Interest-Bearing Deposit Share 24.85% above tier average
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.2% in tier
- - ROA 0.13% below tier average
- - Efficiency Ratio 2.23% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$206.0M
+3.2% YoY
-5.9% QoQ
|
-$180.1M |
$386.1M
+0.5% YoY
|
$3.1B
+7.5% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$70.9M
-2.2% YoY
+3.4% QoQ
|
-$184.8M |
$255.7M
+1.1% YoY
|
$1.6B
+22.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.7% in tier |
| Total Deposits ? |
$184.0M
+1.7% YoY
-6.6% QoQ
|
-$144.0M |
$328.0M
+0.1% YoY
|
$2.1B
+0.1% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.14%
+34.3% YoY
+23.4% QoQ
|
-0.13% |
1.27%
+12.9% YoY
|
3.24%
-3.8% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
4.00%
+5.0% YoY
+3.3% QoQ
|
+0.07% |
3.93%
+6.0% YoY
|
5.24%
+3.6% YoY
|
3.89%
+5.7% YoY
|
57% |
| Efficiency Ratio ? |
67.51%
-9.4% YoY
-6.2% QoQ
|
+2.23% |
65.29%
-4.5% YoY
|
57.12%
-16.3% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.03%
+78.9% YoY
-45.1% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
1.11%
-32.2% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
38.53%
-3.8% YoY
+10.7% QoQ
|
-38.11% |
76.64%
+0.8% YoY
|
80.72%
+7.8% YoY
|
76.70%
+0.9% YoY
|
Top 3.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
46.87%
+0.7% YoY
-7.1% QoQ
|
+24.85% |
22.02%
-1.0% YoY
|
22.43%
-7.9% YoY
|
22.01%
-1.2% YoY
|
Top 2.3% in tier |
| Nonperforming Asset Ratio ? |
0.01%
+69.6% YoY
-39.7% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.75%
-3.5% YoY
|
0.67%
+19.3% YoY
|
Top 14.0% in tier |
| Tier 1 Capital Ratio ? |
11.75%
-5.4% YoY
+0.1% QoQ
|
-4.08% |
15.83%
+1.5% YoY
|
22.57%
+2.5% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.13%
-3.4% YoY
-74.6% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
1.43%
+2.0% YoY
|
0.32%
+4.1% YoY
|
68% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.