TellerScore

The First National Bank of Ely (FDIC certificate #2273) is based in Ely, Nevada. Its Q2 2026 call report shows $132.9M in total assets and $119.3M in deposits and 1 office.

Based on its Q2 2026 filing, The First National Bank of Ely scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 14 banks headquartered in Nevada, it ranks 7th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (55/100; 10.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.52%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 18.1% · 43.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).

TellerScore
757983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202478
Q4 202476
Q1 202578
Q2 202577
Q3 202577
Q4 202575
Q1 202679
Q2 202677
Tier 1 leverage ratio
5.00%8.35%11.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.48%
Q3 202411.50%
Q4 202411.14%
Q1 202511.59%
Q2 202511.25%
Q3 202511.69%
Q4 202510.91%
Q1 202610.98%
Q2 202610.52%
Noncurrent loans
0.00%0.12%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.24%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.97%1.37%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.77%
Q3 20241.15%
Q4 20240.97%
Q1 20251.04%
Q2 20251.07%
Q3 20251.13%
Q4 20250.97%
Q1 20261.51%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$132.9M10.52%0.00%1.38%18.1%
Q1 202679$132.5M10.98%0.00%1.51%13.5%
Q4 202575$126.8M10.91%0.00%0.97%13.0%
Q3 202577$122.1M11.69%0.24%1.13%12.7%
Q2 202577$119.6M11.25%0.00%1.07%12.0%
Q1 202578$121.4M11.59%0.00%1.04%9.8%
Q4 202476$120.7M11.14%0.00%0.97%7.7%
Q3 202478$119.4M11.50%0.00%1.15%8.6%
Q2 202483$118.2M11.48%0.00%1.77%7.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.52%
42nd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.38%
58th
Net interest margin2.93%
8th
Efficiency ratio53.3%
76th
Loans to deposits18.1%
99th
Uninsured deposits43.4%
8th
Loan-loss reserves0.51%
3rd
Texas ratio0.0%
95th

Similar-size banks in Nevada

InstitutionScoreAssetsCapitalProblem loansCompare
Town & Country BankBank Las Vegas, NV87 out of 100, Very strong$206.9M14.9%0.00%vs
Nevada Bank and Trust CompanyBank Caliente, NV82 out of 100, Strong$217.5M13.0%0.05%vs
Valley Bank of NevadaBank North Las Vegas, NV61 out of 100, Moderate$240.8M10.3%0.61%vs
GenuBankBank Las Vegas, NV75 out of 100, Strong$253.2M15.9%0.68%vs
First Security Bank of NevadaBank Las Vegas, NV84 out of 100, Strong$297.7M26.3%0.70%vs
Lexicon BankBank Las Vegas, NV64 out of 100, Moderate$446.2M9.8%0.74%vs

Deposit insurance

Is my money safe at The First National Bank of Ely?

Yes. The First National Bank of Ely is an FDIC-insured institution (FDIC certificate #2273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.4% of deposits ($51.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

The First National Bank of Ely lists 1 office in 1 city. Most locations:

  • Ely, NV (1)

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank of Ely
Type
National bank
FDIC certificate #
2273
RSSD ID
450669
Primary regulator
OCC
Holding company
Fnbely Bcorp
Established
February 23, 1907
Headquarters
595 Aultman St, Ely, NV 89301
Employees
10

Quick answers

The First National Bank of Ely: common questions

Is The First National Bank of Ely FDIC insured?

Yes. The First National Bank of Ely is an FDIC-insured institution (FDIC certificate #2273). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank of Ely's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank of Ely ever failed?

There is no failure record for FDIC certificate #2273 in the FDIC failed bank list.

How many branches does The First National Bank of Ely have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ely

InstitutionScoreAssetsCapitalProblem loansCompare
Nevada Bank and Trust CompanyBank Caliente, NV82 out of 100, Strong$217.5M13.0%0.05%vs
WaFd BankBank Seattle, WA61 out of 100, Moderate$27.6B9.2%0.63%vs
Greater Nevada Credit UnionCredit union Carson City, NV22 out of 100, Low$1.7B3.5%3.98%vs