BlastPoint's Banking Scorecard
The First National Bank of Ely
Micro
Specialty: Other
NV
FDIC cert 2273
Designations: ✓ Community bank
Ely, NV
2498
banks in Micro tier nationally
7 in NV
View Micro leaderboard (NV) →
The First National Bank of Ely shows strong momentum with 3 strengths and 5.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 61.54% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$126.8M
+5.0% YoY
+3.8% QoQ
|
-$90.7M |
$217.5M
+2.3% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$15.4M
+72.0% YoY
+6.5% QoQ
|
-$123.8M |
$139.2M
+2.8% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$118.7M
+2.6% YoY
+4.0% QoQ
|
-$65.0M |
$183.7M
+1.8% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.97%
-0.2% YoY
-13.9% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
2.89%
-0.3% YoY
+0.4% QoQ
|
-0.96% |
3.85%
+6.6% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
64.90%
+3.2% YoY
+10.0% QoQ
|
-2.83% |
67.73%
-4.8% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
12.98%
+67.6% YoY
+2.4% QoQ
|
-61.54% |
74.53%
+0.5% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.25%
-9.3% YoY
-3.7% QoQ
|
+9.85% |
22.39%
-1.3% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.12%
-59.4% YoY
+30.4% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
12.98%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Loan-to-Deposit Ratio
Current: 12.98% · Tier avg: 74.53%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.25% · Tier avg: 22.39%
53
53th pctile
Efficiency Ratio
Current: 64.90% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
35
35th pctile
Total Deposits
Current: $118.7M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $126.8M · Tier avg: $217.5M
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
5
5th pctile
Total Loans
Current: $15.4M · Tier avg: $139.2M
Top Weaknesses
5
5th pctile
Total Loans
Current: $15.4M · Tier avg: $139.2M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
31
31th pctile
Total Assets
Current: $126.8M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $118.7M · Tier avg: $183.7M
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Efficiency Ratio
Current: 64.90% · Tier avg: 67.73%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.25% · Tier avg: 22.39%
100
100th pctile
Loan-to-Deposit Ratio
Current: 12.98% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%