BlastPoint's Banking Scorecard
Nevada Bank and Trust Company
Micro
Specialty: Other
NV
FDIC cert 22669
Designations: ✓ Community bank
Caliente, NV
2498
banks in Micro tier nationally
7 in NV
View Micro leaderboard (NV) →
Nevada Bank and Trust Company shows strong momentum with 2 strengths and 10.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 39.71% below tier
- + Non-Interest-Bearing Deposit Share 28.07% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$218.9M
+10.7% YoY
+6.8% QoQ
|
+$1.4M |
$217.5M
+2.3% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$68.6M
-6.5% YoY
-4.1% QoQ
|
-$70.6M |
$139.2M
+2.8% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$196.9M
+9.1% YoY
+7.1% QoQ
|
+$13.3M |
$183.7M
+1.8% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.92%
+60.7% YoY
+1.2% QoQ
|
-0.16% |
1.08%
+14.7% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.88%
+10.6% YoY
+0.7% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
71.94%
-11.7% YoY
-2.0% QoQ
|
+4.22% |
67.73%
-4.8% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.05%
+13.1% YoY
+37.8% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
34.82%
-14.3% YoY
-10.4% QoQ
|
-39.71% |
74.53%
+0.5% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
50.46%
+5.8% YoY
+4.9% QoQ
|
+28.07% |
22.39%
-1.3% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-4.5% YoY
+23.7% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.52%
-3.6% YoY
+27.2% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
34.82%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
50.46%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.46% · Tier avg: 22.39%
97
97th pctile
Loan-to-Deposit Ratio
Current: 34.82% · Tier avg: 74.53%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
59
59th pctile
Total Deposits
Current: $196.9M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $218.9M · Tier avg: $217.5M
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
35
35th pctile
Efficiency Ratio
Current: 71.94% · Tier avg: 67.73%
28
28th pctile
Total Loans
Current: $68.6M · Tier avg: $139.2M
Top Weaknesses
28
28th pctile
Total Loans
Current: $68.6M · Tier avg: $139.2M
35
35th pctile
Efficiency Ratio
Current: 71.94% · Tier avg: 67.73%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
56
56th pctile
Total Assets
Current: $218.9M · Tier avg: $217.5M
59
59th pctile
Total Deposits
Current: $196.9M · Tier avg: $183.7M
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
97
97th pctile
Loan-to-Deposit Ratio
Current: 34.82% · Tier avg: 74.53%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.46% · Tier avg: 22.39%