The First National Bank of Ely

Ely, NevadaFDIC Cert #2273

OCCEstablished 19071 branch

Holding company: FNBELY BCORPRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$2.99M
Investor CRE	$3.18M
Multifamily	$79K
Construction	$0
1–4 family	$1.35M
C&I	$7.94M
Agriculture	$952K
Other	$435K

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$16.9M

+47.4%y/y

Percentile by value2nd percentileby value

FDICLNLSGR

Net loans

$16.8M

+48.1%y/y

Percentile by value2nd percentileby value

FDICLNLSNET

Loans YoY

+48.10%

+37.5%y/y

Percentile by value98th percentileby value

FDICLNLSNET

L/D

13.5%

+37.2%y/y

Percentile by value1st percentileby value

FDICLNLSNET + DEP

Loans/assets

12.7%

+35.6%y/y

Percentile by value2nd percentileby value

FDICLNLSNET + ASSET

RE loans %

44.91%

−25.2%y/y

Percentile by value5th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,961points

+26.8%y/y

Peer standing30th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

17.66%

−40.6%y/y

Percentile by value83rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

18.81%

−2.5%y/y

Percentile by value82nd percentileby value

FDICLNRENROT + LNLSGR

C&I %

46.91%

+54.5%y/y

Percentile by value99th percentileby value

FDICLNCI + LNLSGR