BlastPoint's Banking Scorecard
The First National Bank of Ely
$100M-$1B
Specialty: Other
NV
FDIC cert 2273
Ely, 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 +4.0% year over year ($119.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.38%.
- Efficiency ratio 53.28% vs a 64.48% peer average.
- Loan-to-deposit ratio 18.13% 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) →
The First National Bank of Ely has 4 strengths but faces 2 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 36.7% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.06% above tier average
- + Efficiency Ratio 11.20% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.06% below tier average
- - Non-Interest Income / Assets 0.51% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$132.9M
+11.1% YoY
+0.3% QoQ
|
-$253.6M |
$386.6M
+1.2% YoY
|
$3.1B
+2.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.7% in tier |
| Total Loans ? |
$21.6M
+57.5% YoY
+28.7% QoQ
|
-$236.7M |
$258.3M
+1.7% YoY
|
$1.6B
+20.6% YoY
|
$3.2B
+9.4% YoY
|
Bottom 0.7% in tier |
| Total Deposits ? |
$119.3M
+4.0% YoY
-4.1% QoQ
|
-$207.4M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.5% in tier |
| Return on Assets ? |
1.38%
+29.0% YoY
-8.1% QoQ
|
+0.06% |
1.32%
+10.8% YoY
|
3.59%
+7.1% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
2.93%
+1.2% YoY
+2.2% QoQ
|
-1.06% |
3.99%
+5.0% YoY
|
5.65%
+11.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio ? |
53.28%
-12.7% YoY
+4.4% QoQ
|
-11.20% |
64.48%
-3.2% YoY
|
55.66%
-2.7% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.02%
-35.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
18.13%
+51.5% YoY
+34.3% QoQ
|
-59.82% |
77.95%
+1.0% YoY
|
86.66%
+13.2% YoY
|
79.03%
+2.3% YoY
|
Top 0.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.67%
-6.2% YoY
-4.5% QoQ
|
+9.64% |
22.03%
-0.6% YoY
|
21.87%
-6.7% YoY
|
21.98%
-0.6% YoY
|
Top 14.9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.74%
+3.7% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.52%
-6.4% YoY
-4.2% QoQ
|
-5.39% |
15.91%
+1.4% YoY
|
23.41%
+6.1% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.06%
-1.5% YoY
+101.9% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
2.78%
+2.3% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.9% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
31.7%
-2.1pp YoY -1.5pp QoQ |
+9.5pp | 22.1% | 25.5% | 22.2% | 85% |
| 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 |
58.2%
+26.0pp YoY +10.9pp QoQ |
+46.6pp | 11.6% | 22.5% | 12.5% | 100% |
| CRE | n/a | n/a | 39.5% | 68.4% | 41.4% | n/a |
| 1-4 Family |
6.1%
-3.0pp YoY -1.9pp QoQ |
-26.5pp | 32.6% | 12.7% | 31.3% | 6% |
| Consumer |
1.8%
-1.2pp YoY -0.7pp QoQ |
-2.3pp | 4.1% | 31.5% | 5.0% | 45% |
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 |
10.5%
-0.7pp YoY -0.5pp QoQ |
-1.6pp | 12.2% | 16.3% | 12.6% | 42% |
| 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 |
10
-2 (-16.7%) YoY +1 (+11.1%) QoQ |
-49 | 58 | 177 | 482 | 1% |
| Assets per Employee ($) |
$13.3M
+33.4% YoY -9.7% QoQ |
+$5.8M | $7.5M | $17.0M | $8.8M | 95% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 2 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 4.66x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 1.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.8%
-1.7pp YoY -1.5pp QoQ |
+10.6pp | 12.2% | 17.9% | 11.6% | 94% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 2.0% | 1.7% | 24% |
| Net Income ($, YTD) |
$905,000
+39.9% YoY — QoQ |
-$1.7M | $2.6M | $65.7M | $40.4M | 24% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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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 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
#243 of 659 • Top 36.7% in tier
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.00%
(Tier: 0.92%, National: 0.98%)
659 of 659 Community banks match
·
920 nationally
→ Stable
+1 banks QoQ
|
QoQ rank improving
Concerns (0)
No matched concern signatures this quarter
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).
Top Strengths (5 metrics)
1
Delinquency Rate
credit_quality
Value:
0.00%
Peer Median: 0.92%
#1 of 2633
Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value:
0.00%
Peer Median: 0.67%
#1 of 2643
Top 0.1% in $100M-$1B
22
Loan-to-Deposit Ratio
liquidity
Value:
18.13%
Peer Median: 77.95%
#22 of 2643
Top 0.8% in $100M-$1B
396
Non-Interest-Bearing Deposit Share
funding
Value:
31.67%
Peer Median: 22.03%
#396 of 2643
Top 14.9% in $100M-$1B
635
Efficiency Ratio
profitability
Value:
53.28%
Peer Median: 64.48%
#635 of 2643
Top 24.0% in $100M-$1B
Top Weaknesses (6 metrics)
2626
Total Loans
size
Value:
$21.63M
Peer Median: $258.35M
#2626 of 2643
Bottom 0.7% in $100M-$1B
2435
Non-Interest Income / Assets
revenue_mix
Value:
0.06%
Peer Median: 0.57%
#2435 of 2643
Bottom 7.9% in $100M-$1B
2429
Net Interest Margin
profitability
Value:
2.93%
Peer Median: 3.99%
#2429 of 2643
Bottom 8.1% in $100M-$1B
2413
Total Assets
size
Value:
$132.95M
Peer Median: $386.57M
#2413 of 2643
Bottom 8.7% in $100M-$1B
2339
Total Deposits
size
Value:
$119.30M
Peer Median: $326.73M
#2339 of 2643
Bottom 11.5% in $100M-$1B
2195
Tier 1 Capital Ratio
capital
Value:
10.52%
Peer Median: 15.91%
#2195 of 2643
Bottom 17.0% in $100M-$1B