Safest Banks in Nevada 2026
Nevada has 16 FDIC-insured banks with an average Bank Health Score of 82/100 (A). The safest bank is Toyota Financial Sb with a score of 94/100.
Data from FDIC Q2 2024
16 Nevada banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Nevada's 16 FDIC-insured banks hold a combined $42.8B in assets. Their average Bank Health Score of 82/100 sits 2.0 points above the national average of 80/100. Across the state, 100% of banks earn an A or B grade for financial health, while 0% fall to a D or F.
The largest bank headquartered in Nevada is Beal Bank USA with $17.5B in assets and a Bank Health Score of 70/100. The strongest by score is Toyota Financial Sb in Henderson (94/100, Tier 1 capital 29.10%). The weakest is Credit One Bank NA at 66/100, dragged down by an NPL ratio of 3.54%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Nevada
Toyota Financial Sb
Henderson, NV
Nevada's top-rated bank, with a Tier 1 capital ratio of 29.10% — well above the federal "well-capitalized" threshold of 8%. Holds $6.3B in assets.
Wells Fargo Nb West
Las Vegas, NV
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.83% with $12.0B in total assets.
First National Bank of Ely
Ely, NV
Third in the rankings on the Bank Health Score. Liquidity ratio of 86.99% and ROA of 1.77%.
Top 16 Banks in Nevada
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Toyota Financial Sb | Henderson | A | 94 | 29.10% | 0.01% |
| 2 | Wells Fargo Nb West | Las Vegas | A | 91 | 38.66% | 0.83% |
| 3 | First National Bank of Ely | Ely | A | 90 | 11.48% | 0.00% |
| 4 | Bessemer Tr Co of Nevada NA | Las Vegas | A | 90 | 76.18% | 0.00% |
| 5 | Inspire Trust Co NA | Reno | A | 90 | 100.02% | 0.00% |
| 6 | Genubank | Las Vegas | A | 89 | 20.78% | 0.00% |
| 7 | Nevada Bank&Trust Co | Caliente | A | 86 | 12.40% | 0.10% |
| 8 | Valley Bank of Nevada | North Las Vegas | A | 85 | 14.15% | 0.77% |
| 9 | Farm Bureau Bank FSB | Reno | A | 84 | 12.37% | 0.40% |
| 10 | Lexicon Bank | Las Vegas | A | 81 | 9.84% | 0.00% |
| 11 | Eaglemark Savings Bank | Reno | B | 77 | 17.65% | 0.00% |
| 12 | First Security Bank of Nv | Las Vegas | B | 75 | 25.77% | 4.18% |
| 13 | Gbank | Las Vegas | B | 73 | 12.88% | 0.94% |
| 14 | Meadows Bank | Las Vegas | B | 72 | 14.04% | 0.53% |
| 15 | Beal Bank USA | Las Vegas | B | 70 | 93.82% | 15.56% |
| 16 | Credit One Bank NA | Las Vegas | B | 66 | 32.75% | 3.54% |
Bank Health Scores for Nevada are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Toyota Financial Sb in Henderson is currently the safest bank in Nevada with a score of 94/100 (Grade A). It posts a Tier 1 capital ratio of 29.10% and a nonperforming loan ratio of 0.01%.
Nevada has 16 FDIC-insured banks with a combined $42.8B in total assets. The average Bank Health Score across the state is 82/100 (Grade A).
Nevada's average Bank Health Score of 82/100 is 2.0 points above the national average of 80/100. 100% of banks in Nevada earn an A or B grade, compared with the national average grade of A.
Of 16 FDIC-insured banks headquartered in Nevada, 10 earn an A, 6 a B, 0 a C, 0 a D, and 0 an F. The most common grade is A.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).