BlastPoint's Banking Scorecard

The First National Bank of Ely

$100M-$1B Specialty: Other NV FDIC cert 2273

Ely, NV

2664 banks in the $100M-$1B peer group nationally 8 in 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 39.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.24% above tier average
+ Efficiency Ratio 14.25% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.07% below tier average
- Non-Interest Income / Assets 0.25% below tier average

Get updates when The First National Bank of Ely releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$132.5M +9.2% YoY +4.5% QoQ	-$253.5M	$386.1M +0.5% YoY	$3.1B +7.5% YoY	$6.2B +9.1% YoY	Bottom 9.0% in tier
Total Loans ?	$16.8M +48.1% YoY +9.0% QoQ	-$238.9M	$255.7M +1.1% YoY	$1.6B +22.3% YoY	$3.2B +10.8% YoY	Bottom 0.5% in tier
Total Deposits ?	$124.4M +7.9% YoY +4.8% QoQ	-$203.5M	$328.0M +0.1% YoY	$2.1B +0.1% YoY	$4.8B +8.2% YoY	Bottom 13.3% in tier
Return on Assets ?	1.51% +44.2% YoY +54.9% QoQ	+0.24%	1.27% +12.9% YoY	3.24% -3.8% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	2.87% +4.0% YoY -1.0% QoQ	-1.07%	3.93% +6.0% YoY	5.24% +3.6% YoY	3.89% +5.7% YoY	Bottom 7.8% in tier
Efficiency Ratio ?	51.04% -13.0% YoY -21.4% QoQ	-14.25%	65.29% -4.5% YoY	57.12% -16.3% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.11% -32.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	13.50% +37.2% YoY +4.0% QoQ	-63.13%	76.64% +0.8% YoY	80.72% +7.8% YoY	76.70% +0.9% YoY	Top 0.6% in tier
Non-Interest-Bearing Deposit Share ?	33.15% -2.0% YoY +2.8% QoQ	+11.13%	22.02% -1.0% YoY	22.43% -7.9% YoY	22.01% -1.2% YoY	Top 12.2% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.75% -3.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.98% -5.3% YoY +0.6% QoQ	-4.85%	15.83% +1.5% YoY	22.57% +2.5% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.03% -10.7% YoY -75.0% QoQ	-0.25%	0.28% +9.3% YoY	1.43% +2.0% YoY	0.32% +4.1% YoY	Bottom 8.2% in tier

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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

#265 of 664 • Top 39.8% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 13.50%

Peer Median: 76.64%

#17 of 2664 Top 0.6% in $100M-$1B

326

Non-Interest-Bearing Deposit Share

funding

Value: 33.15%

Peer Median: 22.02%

#326 of 2664 Top 12.2% in $100M-$1B

471

Efficiency Ratio

profitability

Value: 51.04%

Peer Median: 65.29%

#471 of 2664 Top 17.6% in $100M-$1B

Top Weaknesses (6 metrics)

2651

Total Loans

size

Value: $16.80M

Peer Median: $255.72M

#2651 of 2664 Bottom 0.5% in $100M-$1B

2458

Net Interest Margin

profitability

Value: 2.87%

Peer Median: 3.93%

#2458 of 2664 Bottom 7.8% in $100M-$1B

2446

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2446 of 2664 Bottom 8.2% in $100M-$1B

2424

Total Assets

size

Value: $132.53M

Peer Median: $386.08M

#2424 of 2664 Bottom 9.0% in $100M-$1B

2311

Total Deposits

size

Value: $124.44M

Peer Median: $327.97M

#2311 of 2664 Bottom 13.3% in $100M-$1B

2064

Tier 1 Capital Ratio

capital

Value: 10.98%

Peer Median: 15.83%

#2064 of 2664 Bottom 22.6% in $100M-$1B