Total Assets
$127M
Total balance-sheet footings
FDIC Cert #2273 · Ely, Nevada · Est. 1907
The First National Bank of Ely - FDIC Bank Health Profile
A community-scale look at The First National Bank of Ely's own numbers, pulled straight from its quarterly FDIC Call Report.
- $127M
- Total assets
- B
- Health grade · Good
- 0.97%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Ely earns a PlainBankData health grade of B (70/100), with well-capitalized at 10.91% Tier 1, 0.97% ROA, 65% efficiency ratio.
- #3,535
- largest of 4,313 FDIC banks by assets
- 18th
- percentile by asset size, nationally
- 10.91%
- Tier 1 ratio - above the 10% well-capitalized line
- 41st
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The First National Bank of Ely's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank of Ely's composite health score
Tier 1 Capital Ratio (10.91%) 28/40
Return on Assets (ROA) (0.97%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (64.90%) 8/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$119M
Customer-funded liabilities
Net Loans
$15M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Ely ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Ely's score of 70/100 falls in the highlighted band.
The First National Bank of Ely'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). The First National Bank of Ely's $127M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.91%
Texas Ratio
0.00%
Equity Capital
$8M
Profitability metrics
Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
18.65%
Efficiency Ratio
64.90%
What the numbers say about The First National Bank of Ely
The First National Bank of Ely is an FDIC-insured institution (Certificate #2273) headquartered in Ely, Nevada, established in 1907. It holds $127M in total assets - 3,535th of 4,313 FDIC-insured banks, $119M in customer deposits, and $15M in net loans. Its capital position: a Tier 1 ratio of 10.91%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (70 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank of Ely is a community-scale institution -- 15th of 15 FDIC-insured banks headquartered in Nevada by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$153K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank of Ely reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) The First National Bank of Ely (FDIC Cert #2273) - 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 The First National Bank of Ely's health grade?▼
The First National Bank of Ely receives a health grade of B (70/100) 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 The First National Bank of Ely?▼
The First National Bank of Ely holds $127M in total assets and $119M in deposits, ranking 3,535th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ely, Nevada.
Is my money safe at The First National Bank of Ely?▼
Yes, deposits at The First National Bank of Ely (Certificate #2273) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank of Ely's Tier 1 Capital Ratio?▼
The First National Bank of Ely has a Tier 1 Capital Ratio of 10.91%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank of Ely?▼
The First National Bank of Ely has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The First National Bank of Ely?▼
The First National Bank of Ely has an Efficiency Ratio of 64.90%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The First National Bank of Ely's profile as a depositor or analyst.
- The First National Bank of Ely's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank of Ely 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.