Nevada Bank and Trust Company
Total assets
$217.5M
▲ +7.0% YoY
Deposits
$195.2M
▲ +6.3% YoY
Loans
$66.6M
▼ -5.8% YoY
Offices
4
ROA (annualized)
0.98%
peers 1.24%
ROE (annualized)
9.64%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.7 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.3 pts |
| Loan growth (YoY) | -5.8% | +5.6% | -11.4 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 9.6% | 11.9% | -2.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
Profile
- Established
- 1978
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Other Specialized Under 1 Billion
- Address
- 210 Front Street, Caliente, NV, 89008
- County
- Lincoln
- Offices
- 4
- FDIC cert #
- 22669
- RSSD ID
- 400767
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $217.5M | $195.2M | $66.6M | $21.9M | $1.0M | 0.98% | 3.91% | 0.02% |
| Q1 2026 | $206.0M | $184.0M | $70.9M | $21.5M | $606K | 1.14% | 4.00% | 0.01% |
| Q4 2025 | $218.9M | $196.9M | $68.6M | $21.6M | $1.9M | 0.92% | 3.88% | 0.02% |
| Q3 2025 | $205.0M | $183.9M | $71.5M | $20.7M | $1.4M | 0.91% | 3.85% | 0.01% |
| Q2 2025 | $203.2M | $183.7M | $70.7M | $19.2M | $914K | 0.91% | 3.82% | 0.01% |
| Q1 2025 | $199.6M | $180.8M | $72.5M | $18.4M | $422K | 0.85% | 3.81% | 0.01% |
| Q4 2024 | $197.8M | $180.5M | $73.3M | $17.0M | $1.1M | 0.58% | 3.50% | 0.02% |
| Q3 2024 | $201.8M | $173.9M | $74.3M | $18.7M | $822K | 0.55% | 3.43% | 0.04% |
Loan mix (Q2 2026): real estate $43.3M · commercial $13.1M · consumer $11.2M · securities $94.1M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% | 48th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 62.9% | 67th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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