First National Bank of Ely vs Inspire Trust Co NA
Side-by-side bank health comparison using FDIC financial data
First National Bank of Ely (A) and Inspire Trust Co NA (A) are close on the BankHealth rubric. Asset bases: $118M versus $9M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
First National Bank of Ely has a stronger Bank Health Score of 90/100 (A) compared to Inspire Trust Co NA at 90/100 (A), a difference of 0 points. First National Bank of Ely holds a Tier 1 capital ratio of 11.5% and an NPL ratio of 0.00%.
| Metric | First National Bank of Ely | Inspire Trust Co NA |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 90/100 (A) | 90/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 11.5% | 100.0%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 87.0% | 89.8%* |
| Return on Assets Profitability metric (above 1% is strong) | 1.8%* | -11.6% |
| Total Assets | $118M | $9M |
| Total Deposits | $114M | $0 |
| Location | Ely, Nevada | Reno, Nevada |
First National Bank of Ely has a stronger Bank Health Score of 90/100 (A) compared to Inspire Trust Co NA at 90/100 (A), a difference of 0 points. First National Bank of Ely holds a Tier 1 capital ratio of 11.5% and an NPL ratio of 0.00%.