Nevada

Banks

Nevada's 14 banks hold $44.1B in assets at 30 June 2026. Toyota Financial Savings Bank is the largest at $16.8B, and the five largest hold 92% of the total; 6 institutions are above $1B, holding $41.5B.

Loans grew a median +7.3% in the year to 30 June 2026: 7 institutions grew faster than 10% and 5 shrank. The median bank lends 77% of its deposits and holds commercial real estate at 34.2% of loans. Nonperforming loans sit at a median 0.69% of the book, return on assets at 1.27%, and equity at 14.1% of assets.

6 of the 14 are in the catalogue, each read from its own filing beside the banks its size in the state: Toyota Financial Savings Bank, Beal Bank USA, Wells Fargo National Bank West, Credit One Bank N.A., Gbank, Eaglemark Savings Bank.

Toyota Financial Savings Bank holds 38.1% of the state's bank assets; the five largest hold 92%, and 6 of the 14 are above $1B.

The curve's distance from the diagonal is the concentration: 92% of the assets in 36% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

1-4 family residential, closed-end is the largest category at 28.2% of the state's $23.4B in loans, then Auto at 21.6% and Commercial & industrial at 17.7%.

Toyota Financial Savings Bank grew fastest at +59.4%; 7 grew faster than 10% and 5 shrank, Wells Fargo National Bank West the most at -11.1%. The median is +7.3%.

Gbank is the most CRE-weighted at 83.2% of loans; 6 of the 14 are above 40%, against a median of 34.2%.

2 of the 14 banks sit above the 300% screen, Gbank the highest at 487% of capital; the median is 97%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

0 of the 14 banks sit above the 100% construction screen, Town & Country Bank the highest at 44%; the median is 3%.

4 of the 14 lend more than they hold in deposits, Beal Bank USA the furthest at 239%; the median is 77%.

Gbank carries the most nonperforming loans at 4.96% of the book; 2 of the 14 are above 1%, and the median is 0.69%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 2 of the 14 hold an allowance smaller than their nonperforming loans.

Credit One Bank N.A. earns the most at 23.94% and Farm Bureau Bank FSB the least at 0.38%; 3 of the 14 earn under 0.50%, and the median is 1.27%.

Beal Bank USA runs the leanest at 6.0% of revenue in cost; 3 of the 14 spend more than 80 cents of every revenue dollar, and the median is 59.6%.

Institution	Assets	Loans YoY	CRE / loans	Loans / deposits	NPA / loans	ROA	Equity / assets
Toyota Financial Savings Bank	$16.8B	+59.4%	10.9%	65%	0.20%	0.39%	10.2%
Beal Bank USA	$11.0B	+10.8%	43.0%	239%	0.78%	8.92%	23.9%
Wells Fargo National Bank West	$8.8B	-11.1%	0.0%	68%	0.97%	0.99%	19.2%
Credit One Bank N.A.	$2.4B	+41.1%	0.0%	137%	3.19%	23.94%	27.1%
Gbank	$1.4B	+19.8%	83.2%	90%	4.96%	1.28%	13.0%
Farm Bureau Bank FSB	$1.1B	-9.8%	15.3%	79%	0.79%	0.38%	9.7%
Eaglemark Savings Bank	$756M	+0.9%	0.0%	132%	0.00%	4.55%	23.2%
Lexicon Bank	$446M	+13.5%	37.5%	50%	0.74%	1.27%	9.7%
First Security Bank of Nevada	$298M	-2.5%	73.1%	90%	0.70%	2.11%	28.3%
Genubank	$253M	-2.1%	30.9%	75%	0.68%	0.39%	17.1%
Valley Bank of Nevada	$241M	+3.9%	51.9%	65%	0.61%	0.56%	10.1%
Nevada Bank & Trust Co.	$217M	-5.8%	40.1%	35%	0.05%	1.02%	10.1%
Town & Country Bank	$207M	+11.7%	74.8%	103%	0.00%	2.35%	15.2%
First National Bank of Ely	$133M	+56.9%	14.9%	18%	0.00%	1.37%	5.9%

Credit unions

Nevada's 13 credit unions hold $8.8B in assets at 30 June 2026. Greater Nevada is the largest at $1.7B, and the five largest hold 80% of the total; 4 institutions are above $1B, holding $6.1B.

Loans grew a median +5.9% in the year to 30 June 2026: 4 institutions grew faster than 10% and 5 shrank. The median credit union lends 61% of its shares, with member business loans at 3.2% of loans. Delinquent loans sit at a median 0.45% of the book, return on assets at 1.03%, and net worth at 12.5% of assets.

None of the 13 is in the catalogue yet.

Greater Nevada holds 19.2% of the state's credit union assets; the five largest hold 80%, and 4 of the 13 are above $1B.

The curve's distance from the diagonal is the concentration: 80% of the assets in 38% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

Weststar grew fastest at +21.6%; 4 grew faster than 10% and 5 shrank, Churchill County the most at -7.3%. The median is +5.9%.

Create carries the most commercial lending at 35.4% of loans; 5 of the 13 are above 10%, against a median of 3.2%.

0 of the 13 lend more than they hold in shares, Silver State Schools the furthest at 89%; the median is 61%.

Greater Nevada carries the most delinquency at 3.98% of the book; 2 of the 13 are above 1%, and the median is 0.45%.

The distance between the two dots is the reserve's headroom over the loans already in trouble. 2 of the 13 hold an allowance smaller than their delinquent loans.

Elko earns the most at 2.44% and Weststar the least at 0.33%; 2 of the 13 earn under 0.50%, and the median is 1.03%.

Churchill County runs the leanest at 33.9% of revenue in cost; 1 of the 13 spend more than 80 cents of every revenue dollar, and the median is 64.3%.

Institution	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquency	ROA	Net worth
Greater Nevada	$1.7B	-0.9%	8.0%	81%	3.98%	0.74%	3.5%
Create	$1.6B	+11.3%	35.4%	75%	0.45%	1.42%	11.6%
One Nevada	$1.5B	-0.9%	26.9%	50%	0.31%	1.44%	16.7%
Silver State Schools	$1.3B	+12.7%	3.1%	89%	0.59%	0.90%	10.2%
Boulder Dam	$872M	+5.3%	3.2%	48%	0.21%	1.46%	14.8%
Great Basin	$373M	+10.7%	0.6%	79%	1.20%	0.69%	10.6%
Elko	$351M	+5.9%	16.9%	74%	0.34%	2.44%	13.6%
Financial Horizons	$313M	+6.2%	11.5%	61%	0.08%	1.43%	13.0%
Weststar	$273M	+21.6%	0.0%	69%	0.49%	0.33%	10.8%
Sierra Pacific	$189M	-6.4%	19.0%	57%	0.57%	1.03%	13.6%
Plus	$126M	+7.4%	0.0%	49%	0.12%	0.44%	12.5%
Churchill County	$77M	-7.3%	0.0%	44%	0.93%	1.76%	20.8%
Pahranagat Valley	$38M	-4.2%	0.9%	44%	0.13%	0.77%	10.0%