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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 2273 · NV B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #3062/4307
  • PHOTO-FINISH American Exchange Ba… · OK
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.97% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nevada: American Exchange Bank, Lindsay, Oklahoma, OK (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The First National Bank of Ely

Lowest and highest poles plus nearest scored peers outside Nevada, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Exchange Ba… · OK ·…70/100Bank of Crocker · MO · near70/100Citizens State Bank · WI · n…70/100The First National B… · NV ·…70/100Valley Bank of Kalis… · MT ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Ely · July 2026

Call Report read for The First National Bank of Ely in a high-failure state

The First National Bank of Ely (FDIC Cert #2273) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,062 of 4,307. Tier 1 capital prints at 10.91%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.97%. Balance-sheet scale is $127M, 3,535th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is American Exchange Bank, Lindsay, Oklahoma (OK), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The First National Bank of Ely

12 FAILURE resolutions in Nevada since 2000, heavy vs the state corpus

The First National Bank of Ely sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about The First National Bank of Ely's current Call Report.

  • 1st COMMERCE BANK NORTH LAS VEGAS, NV 2013 → PLAZA BANK
  • NEVADA COMMERCE BANK LAS VEGAS, NV 2011 → CITY NATIONAL BANK
  • SOUTHWESTUSA BANK LAS VEGAS, NV 2010 → PLAZA BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nevada banks.

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.

0/100100/100National avg77/10070/100
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 Assets

$127M

Total balance-sheet footings

Total Deposits

$119M

Customer-funded liabilities

Net Loans

$15M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.51% 10.91% 12.31%
Basel III capital ratios - The First National Bank of Ely

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 29th percentile higher than 29% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Ely 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at The First National Bank of Ely

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

What these ratios mean →

Profitability metrics: The First National Bank of Ely

Return on Assets (ROA)
41st percentile nationally
0.97%
Return on Equity (ROE)
18.65%
Efficiency Ratio
64.90%

What these mean →

Income & expense at The First National Bank of Ely

$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.

FDIC Failed Bank List → View The First National Bank of Ely on FDIC BankFind →

Top banks in Nevada by total assets

Largest banks headquartered in Nevada
  1. 1
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

  2. 2
    Beal Bank USA $14.5B

    Las Vegas, NV · Grade A

  3. 3
    Wells Fargo National Bank West $9.0B

    Las Vegas, NV · Grade A

  4. 4
    Credit One Bank $2.0B

    Las Vegas, NV · Grade A

  5. 5
    Meadows Bank $1.4B

    Las Vegas, NV · Grade A

Top 5 banks in Nevada ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($127M here), outside Nevada so the neighborhood is not state containment.

Kennett Trust Bank $127M · MO First Central Bank McCook $127M · NE Citizens Bank of Rogersville $126M · MO Custer Federal State Bank $126M · NE

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.

The First National Bank of Ely Call Report profile · FDIC Failed Bank List · Nevada FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nevada

All Nevada banks →
BankAssetsGradeROA
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%