# NEVADA STATE BANK
LAS VEGAS, NV · FDIC certificate 18113 · asset band $1-10B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.34B | |
| Deposits | $3.93B | |
| Loans and leases | $2.32B | |
| Total equity | $380.9M | |
| Loans / deposits | 57.76% (p10 of band) | 86.97% |
| Liquid assets / assets | 43.43% (p89 of band) | |
| Uninsured deposits / deposits | 31.49% (p65 of band) | 24.91% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.01% (p7 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.69% (p19 of band) | 9.78% |
| Unrealized securities loss / equity | 2.10% (p64 of band) | 1.31% |
| AOCI / equity | 1.10% (p92 of band) | |
| ROA (annualized) | 0.59% (p17 of band) | 0.95% |
| Net interest margin | 2.87% (p17 of band) | 3.48% |
| Efficiency ratio | 87.29% (p96 of band) | |
| Noncurrent loans | 0.88% (p61 of band) | 0.71% |
| Net charge-offs (annualized) | -0.25% (p1 of band) | |
| Reserve coverage of noncurrent | 225.93% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 24.09% (p36 of band) | |
| Auto loans | $18.4M (0.79% of loans; DQ 0.47%, NCO 0.00%) | |
| Loans to nondepository financials | $217,000 (0% of equity) (p75 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 730 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | charge-offs p90 |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | expense ratio p90 |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | capital falling | expense ratio p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | expense ratio p90 |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | expense ratio p90 |
| 2013-12 | 2 | expense ratio p90 |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-05 [Nevada Business Awards 2026 - Nevada Business Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTE1zWExONTZsWGgzSXVKdTd0RFQyT1ZuTlp1Y1ZqbUdMNXVnR3c4c0FfdWlzSTFfNlRFbUtkbVRDZjU5OFBDSHdxUGU3aGlnLTdHRm5yMzV5TlVUNFdCRkxfMlF2bURUek1PRUN5MlBDTnY?oc=5) · Nevada Business Magazine
- 2025-11-12 [Nevada State Bank Food Drive: A community effort - FOX5 Vegas](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOd0pHZ05LQm5MSjBWbHFNX05mZENnM2N0ODhVZk84R3V1Tk5EM1lEQ2lSR1FpWFc3OE1fYTlDQkxPR3k4eFJYdXUwS0FuZ2NJRVR2Zzk3U01TR0FIeU4tV3g3OGU1dVhpSUxHRFdoS3E1Rk5QZWpqOTlILVBZcFdreHVqTDM5ZHpzeXQw?oc=5) · FOX5 Vegas
- 2026-03-09 [How Nevada State Bank empowers women in the workplace through mentorship - KOLO | 8 News Now](https://news.google.com/rss/articles/CBMiogFBVV95cUxPY2xlTUtJcjgycTV3NjJ0WmM1YU5SVVJRZW5MY0IzeFBEUDZhX0Vsb0xQUlJnWFc4VnI3WjdOeGluSl85NmxXX3FpWEk1UElDYnRMRDAtcVg3YnRPNXByUUMteFY3Mm92b0NlZmdWN0UyV1pSRVlyN1AtV2Jqb1ltQ3ZoaFEzYjY4dVcwdzVIOEhNekRRUVgxSXhmaHU0T0tyZHfSAbYBQVVfeXFMUC1fV2xjbUFYSWJ4NEFFV2xLa3Y2VmJ3NG1PNUVRX2MyYTVvOHR3ZTRfZVVmSDQyUWNCODFkNm5ndDlqWjdwLVZzZWY2U1ltRHVxbUU4LU5POFRFZkJoWldja21MMmlpRUpNcDU1QVVscEkwTkFBM2o2RWZSbUoyNVVpbXFVZEVsdjBudDFMVndHMkFUVkxvMDkySmphTklzbm1ZOTBROXpfby1WWlotYjkwRFRXQ1E?oc=5) · KOLO | 8 News Now
- 2019-10-24 [Nevada State Bank’s parent says it’s not making enough money, will close some branches - nevadacurrent.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNLVMtYjB5YWU1X2tUTnVkZ0x2czcwS2E5VFVpM0oyUVZOMUR3ZzdpYWo0M2oxRmFBeDFZSTZVZ0pFUWE2R2JxWVNSWnh0OUpxRnNWQkdsZk0wYUUwWlU4WGNyMVFKYl9lQ2wtVFF1ZGRlNnNodTRtdFotbDd0RkpBOUdZbkVUdWhCTGprZXgtRWpWMzdBUUpTa1dLZVVjZ05wTHhpMldYOWZuNkV6ZkZQQ2p0UlpTMkFI?oc=5) · nevadacurrent.com
- 2018-07-05 [Nevada State Bank - KRXI2](https://news.google.com/rss/articles/CBMid0FVX3lxTE8xcHAxUUFqN3hWSDFkYWlyZWc3VmFVUmYtTE9TbVdkNS14VUFmaElFeU9IMnlQcEIzeDBUOVhNeEl2VDU2eXVfdFFnWE9ha2pZbnc5SlI4Z3ljZVkzcnBRRjVrblBPM21yOVVqc01YTTJGYmRxRS1r?oc=5) · KRXI2
- 2019-10-23 [Nevada State Bank owner to lay off 500, close branches - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOelNDbWVsWXg5cURRUF9ObFFpbDhxVWlZVXo1VGl1WXNNRVNPck5pUEd2X1hOUTdLeHQ0WWtzS2pNSG5tTDZaNXJuYlNHZ3VhRlBSejFUU3FlekVEX3pmY205SEgwWm5zSTI4VjNPZWFnRmpKeGtLTEV0NHVNM09DYVlYeUVaV2tuLTFfa1dBMVVpS2VmV0VMMXdHbFBLNERMZ0FF?oc=5) · Las Vegas Review-Journal
- 2022-02-15 [Nevada State Bank reaches agreement to acquire 3 Northern Nevada branches from City National Bank - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMikwFBVV95cUxPX0hZTkVMV3JMZG93MkFlMi1lcDd1NWkwbTZoNERZa25ZRDQ0SjFIU3ZSalV4UERIdWRpZTJ4UHVtbTdtYldoWUlTc1ZyWG91TEw0cFhiQlppUnpfQVZkY0g4ZTJ2dlozZ2kxZGhDMkNwQjR1SWV1d2tRV24yMDZlQTMyVTZLZEV3Y3A3SGlSVkJjLWc?oc=5) · Northern Nevada Business Weekly
- 2019-11-27 [Honors for Nevada State Bank - Pahrump Valley Times](https://news.google.com/rss/articles/CBMibEFVX3lxTE9OemFtQ1lIRlpMVkZRRlU2QWhVeGQwRkEyME1LaXFkUkpObGZKeDN4M1p6cWl5c2xPeklmTDQtWXVRY3lVdXBVQlJ2b2pHX3ZOT19KOTBlSFJBZ2ZVZDlwMVdzRkJ0MGZaQW5ENg?oc=5) · Pahrump Valley Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18113 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "18113", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide