Eaglemark Savings Bank
Reno, Nevada · $756M in assets · beside the 11 other the Mountain West banks between $300M and $1B (the state alone holds too few in the band to rank)
The filing
Eaglemark Savings Bank is the eighth largest of the 12 the Mountain West banks nearest its size between $300M and $1B, with $756M in assets at 30 June 2026. Loans are 131.7% of deposits, the highest in the cohort against a median of 82.1%, and equity is 23.2% of assets, the highest in the cohort. Loans grew +0.9% in the year, 9th of 12, and deposits fell 4.0%; the cohort's median loan growth is +4.6%.
Nothing on the book is noncurrent; 0.62% is 30 to 89 days past due, and the allowance is 0.0% of loans, the lowest in the cohort. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 28.2%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.
Return on assets is 4.55%, 2nd of 12 against a median of 2.04%, on an efficiency ratio of 30.2%, the lowest in the cohort. Five years ago it was 3.82%. The question is what the capital is for: the balance sheet carries less risk than it could.
Commercial real estate against capital
| Eaglemark Savings Bank | Rank | Cohort median | |
|---|---|---|---|
| Total CRE against capital, the 300% screen | 0% | 1st of 12 | 177% |
| Construction against capital, the 100% screen | 0% | 2nd of 12 | 44% |
| Construction and land development, share of loans | 0.0% | 2nd of 12 | 7.3% |
| Non-owner-occupied nonfarm nonresidential, share of loans | 0.0% | 2nd of 12 | 13.5% |
| Total CRE, the guidance definition, share of loans | 0.0% | 1st of 12 | 28.2% |
| CRE growth over 36 months, the third prong | no record | +36.6% |
Among its peers
| Institution | Assets | ROA | Efficiency | NPA / loans | Net charge-offs | Allowance / loans | Loans / deposits | Equity / assets |
|---|---|---|---|---|---|---|---|---|
| $840M | 0.7% | 61.2% | 6.39% | 1.07% | 1.5% | 92.1% | 10.2% | |
| $833M | 2.1% | 49.4% | 0.06% | 0.01% | 1.2% | 92.9% | 8.2% | |
| $815M | 2.3% | 59.7% | 0.54% | 0.00% | 1.3% | 85.1% | 10.7% | |
| $809M | 1.9% | 50.8% | 0.40% | 0.31% | 2.0% | 97.2% | 9.6% | |
| $803M | 0.9% | 62.2% | 0.47% | 0.00% | 1.5% | 53.3% | 8.5% | |
| $796M | 5.4% | 32.0% | 0.44% | 1.25% | 1.7% | 69.5% | 9.7% | |
| $790M | 0.9% | 72.9% | 0.68% | 0.04% | 1.3% | 79.1% | 6.8% | |
| $756M | 4.6% | 30.2% | 0.00% | 0.00% | 0.0% | 131.7% | 23.2% | |
| $723M | 2.4% | 63.5% | 0.04% | 0.00% | 1.0% | 46.5% | 17.1% | |
| $721M | 1.1% | 67.6% | 0.00% | 0.00% | 1.4% | 75.4% | 11.3% | |
| $688M | 2.3% | 49.3% | 0.09% | 0.01% | 1.4% | 87.5% | 8.5% | |
| $678M | 1.6% | 45.6% | 0.59% | 0.00% | 1.7% | 77.3% | 15.4% |
| Eaglemark Savings Bank | Cohort median | |||||
|---|---|---|---|---|---|---|
| 2021 | 2026 | Change | 2021 | 2026 | Change | |
| Loans | $285M | $684M | +140% | $333M | $531M | +59% |
| Deposits | $262M | $519M | +98% | $520M | $670M | +29% |
| NPA / loans | 0.00% | 0.00% | +0.00 pts | 0.21% | 0.42% | +0.21 pts |
| Efficiency | 56.9% | 30.2% | -26.7 pts | 57.2% | 55.3% | -2.0 pts |
| ROA | 3.82% | 4.55% | +0.73 pts | 1.93% | 2.04% | +0.11 pts |
This read was prepared for Eaglemark Savings Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.
The full pack on Eaglemark Savings Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.
Ask for the packPrepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks $300M to $1B
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