Total Assets
$219M
Total balance-sheet footings
FDIC Cert #22669 · Caliente, Nevada · Est. 1978
Nevada Bank and Trust Company - FDIC Bank Health Profile
A community-scale look at Nevada Bank and Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $219M
- Total assets
- B
- Health grade · Good
- 0.92%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
Nevada Bank and Trust Company earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.74% Tier 1, 0.92% ROA, 72% efficiency ratio.
- #2,903
- largest of 4,313 FDIC banks by assets
- 33rd
- percentile by asset size, nationally
- 11.74%
- Tier 1 ratio - above the 10% well-capitalized line
- 37th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Nevada Bank and Trust Company's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Nevada Bank and Trust Company's composite health score
Tier 1 Capital Ratio (11.74%) 28/40
Return on Assets (ROA) (0.92%) 14/25
Texas Ratio (0.16%) 20/20
Efficiency Ratio (71.94%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$197M
Customer-funded liabilities
Net Loans
$69M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Nevada Bank and Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Nevada Bank and Trust Company's score of 66/100 falls in the highlighted band.
Nevada Bank and Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Nevada Bank and Trust Company's $219M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.74% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.74%
Texas Ratio
0.16%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
37th percentile nationally
0.92%
Return on Equity (ROE)
9.79%
Efficiency Ratio
71.94%
What the numbers say about Nevada Bank and Trust Company
Nevada Bank and Trust Company is an FDIC-insured institution (Certificate #22669) headquartered in Caliente, Nevada, established in 1978. It holds $219M in total assets - 2,903rd of 4,313 FDIC-insured banks, $197M in customer deposits, and $69M in net loans. Looking at capital strength, Tier 1 stands at 11.74%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.16%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Nevada, Nevada Bank and Trust Company ranks 14th of 15 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$8M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Nevada Bank and Trust Company reports a Texas Ratio of 0.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nevada by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Nevada Bank and Trust Company (FDIC Cert #22669) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nevada
All Nevada banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Toyota Financial Savings BankHenderson | $15.4B | B | 0.30% |
| Beal Bank USALas Vegas | $14.5B | A | 0.63% |
| Wells Fargo National Bank WestLas Vegas | $9.0B | A | 0.87% |
| Credit One Bank, National AssociationLas Vegas | $2.0B | A | 27.69% |
| Meadows BankLas Vegas | $1.4B | A | 1.72% |
| GBankLas Vegas | $1.4B | A | 2.00% |
| Farm Bureau Bank FSBReno | $1.1B | C | 0.05% |
| Eaglemark Savings BankReno | $744M | A | 4.36% |
Frequently asked questions
What is Nevada Bank and Trust Company's health grade?▼
Nevada Bank and Trust Company receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Nevada Bank and Trust Company?▼
Nevada Bank and Trust Company holds $219M in total assets and $197M in deposits, ranking 2,903rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Caliente, Nevada.
Is my money safe at Nevada Bank and Trust Company?▼
Yes, deposits at Nevada Bank and Trust Company (Certificate #22669) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Nevada Bank and Trust Company's Tier 1 Capital Ratio?▼
Nevada Bank and Trust Company has a Tier 1 Capital Ratio of 11.74%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Nevada Bank and Trust Company?▼
Nevada Bank and Trust Company has a Texas Ratio of 0.16%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Nevada Bank and Trust Company?▼
Nevada Bank and Trust Company has an Efficiency Ratio of 71.94%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Nevada Bank and Trust Company's profile as a depositor or analyst.
- Nevada Bank and Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Nevada Bank and Trust Company against other Nevada banks before moving funds. Nevada banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.