Nevada Bank&Trust Co
Caliente, Nevada · FDIC Cert #22669
This is the FDIC profile for Nevada Bank&Trust Co, an FDIC-insured bank (Certificate #22669) with $199M in total assets and $174M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Caliente, Nevada, the bank maintains a Tier 1 capital ratio of 12.40% (Well-Capitalized) and a nonperforming loan ratio of 0.10%. BankHealthData assigns a composite Health Grade of A (86/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Nevada Bank&Trust Co (FDIC cert 22669) is a community bank — $199M in total assets, $174M in deposits, serving the Caliente, Nevada area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.40% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.10% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is very high: 47.6% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.44% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Nevada Bank&Trust Co carries a composite BankHealth grade of A (86/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Nevada Bank&Trust Co
- Total Assets
- $199M
- Total Deposits
- $174M
- Tier 1 Capital Ratio
- 12.40%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.10%
- Liquidity Ratio
- 47.62%
- Return on Assets
- 0.44%
- Headquarters
- Caliente, Nevada
- FDIC Certificate
- #22669
- Health Grade
- A (86/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Nevada Bank&Trust Co files quarterly Call Reports with the FDIC under Certificate #22669. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Nevada Bank&Trust Co holds a Tier 1 capital ratio of 12.40%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Nevada Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Nevada Bank&Trust Co shows strong financial health indicators. With $199M in assets and a Health Score of 86/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Nevada Bank&Trust Co Compares
Nevada Bank&Trust Co’s Health Score of 86 is 4 points above the Nevada state average of 82 across 16 FDIC-insured banks. Its 12.40% Tier 1 capital ratio is 1.6 points below the US banking industry average near 14%. The 0.10% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.44% is below the national ROA benchmark of ~1.1%. Among 1523 similarly-sized banks, the average Health Score is 81, meaning this bank ranks above its size cohort. Site-wide, Nevada Bank&Trust Co is 6 points above the portfolio average of 80.
Frequently Asked Questions
Nevada Bank&Trust Co has a Bank Health Score of A (86/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 12.40%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Nevada Bank&Trust Co's Tier 1 capital ratio of 12.40% and nonperforming loan ratio of 0.10% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Nevada Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #22669). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Nevada Bank&Trust Co holds $199M in total assets and $174M in total deposits. It is headquartered in Caliente, Nevada (FDIC Certificate #22669).
Nevada Bank&Trust Co's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #22669 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Nevada Bank&Trust Co has a Tier 1 capital ratio of 12.40%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.10%, and the return on assets is 0.44%.
Yes. Nevada Bank&Trust Co is FDIC-insured (Certificate #22669). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Nevada Bank&Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.