First National Bank of Ely Safety Rating
First National Bank of Ely's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #984 out of 3,960 FDIC-insured banks nationally (top 25%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First National Bank of Ely's best component is loan quality (100/100) and its weakest is Tier 1 capital (73/100).
This page answers a common banking-safety question: First National Bank of Ely Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First National Bank of Ely Safety Rating Breakdown
- Overall rating
- Grade A (90/100)
- National rank
- #984 of 3,960
- Tier 1 capital (35%)
- 73/100
- Loan quality (30%)
- 100/100
- Liquidity (25%)
- 100/100
- Profitability (10%)
- 91/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places First National Bank of Ely among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 25% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 11.48% | 73/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 86.99% | 100/100 |
| Return on Assets | 1.77% | 91/100 |
| Total Assets | $0.1B | |
How does First National Bank of Ely compare?
With a Bank Health Score of 90/100, First National Bank of Ely sits 10.0 points above the national average of 80/100 for FDIC-insured banks. Within Nevada, where 16 FDIC-insured banks are headquartered, First National Bank of Ely ranks above the state average of 82/100 (Grade A).
The bank's Tier 1 capital ratio of 11.48% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold. Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First National Bank of Ely's Bank Health Score improved by 27.0 points to 90/100. Tier 1 capital weakened by 0.96 percentage points to 11.48%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
First National Bank of Ely's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #984 out of 3,960 FDIC-insured banks nationally (top 25%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First National Bank of Ely's best component is loan quality (100/100) and its weakest is Tier 1 capital (73/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For First National Bank of Ely: Tier 1 capital scores 73/100, loan quality 100/100, liquidity 100/100, and profitability 91/100 — combining to 90/100 (grade A).
First National Bank of Ely's Bank Health Score of 90/100 is 8.0 points above the Nevada state average of 82/100. 16 FDIC-insured banks are headquartered in Nevada.
Yes. First National Bank of Ely (FDIC certificate #2273) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First National Bank of Ely
First National Bank of Ely's safety rating is grade A, a Bank Health Score of 90/100 built from FDIC call report data. That ranks #984 out of 3,960 FDIC-insured banks nationally (top 25%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); First National Bank of Ely's best component is loan quality (100/100) and its weakest is Tier 1 capital (73/100).