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D.L. Evans Bank

Burley, ID · Cert 11666 · D L Evans Bcorp

State charter, non-member · FDIC · 39 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

81

Q2 2024Q2 2026peer median (50)

Profitability

50

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

78

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

D.L. Evans Bank

Burley, ID · Cert 11666 · D L Evans Bcorp

State charter, non-member · FDIC · 39 branches

Q2 2026

$3.7BAssets
$1.8BLoans
$3.2BDeposits
$343.3MEquity
Loan mix
90%RE $1.5B8%C&I $0.1B2%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $2.2B31%Noninterest $1.0BQ2 2025Q2 2026

NIM

4.49%Q2 ’244.56%Q2 ’254.75%Q2 ’26+0%+10%

Non-interest income vs. expense

2.00%Q2 ’241.98%Q2 ’252.00%Q2 ’26-1%-16%

Market Position · Boise City, ID · 2026 SOD (annual) · 5.0% share · #8 of 24 inst. · $1.0B of $19.4B

4.1% Ada
46.8% Cassia
15.6% Twin Falls
29.8% Blaine

Executive Summary

  • Earnings: ROA of 1.34%, up 32 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.26% of loans (+4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.38%, up 41 bps from a year ago.
  • Funding: loans stand at 57.19% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.34%+32 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+29 bps YoY

Efficiency Ratio (YTD, annualized)

51.48%-792 bps YoY

Tier 1 Leverage Ratio

10.38%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.07%1.12%1.42%1.34%+32 bps
Return on Equity12.33%12.50%12.97%15.79%14.79%+246 bps
Net Interest Margin2.87%2.90%2.97%3.11%3.16%+29 bps
Efficiency Ratio59.40%58.72%57.45%50.75%51.48%-792 bps
Non-Interest Burden1.52%1.52%1.49%1.10%1.28%-24 bps
Growth
Asset Growth (YoY)12.48%6.89%7.07%8.27%4.21%-827 bps
Loan Growth (YoY)8.81%8.80%9.81%9.71%6.98%-183 bps
Deposit Growth (YoY)11.34%8.21%8.64%9.77%7.14%-420 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.21%0.23%0.25%0.26%+4 bps
Net Charge-Offs / Loans0.02%0.02%0.01%0.00%0.00%-1 bps
Allowance / Loans1.32%1.31%1.36%1.41%1.41%+9 bps
Allowance Coverage of NPLs5.9x6.1x5.9x5.7x5.3x-0.5x
Capital
Tier 1 Leverage Ratio9.97%9.93%10.00%10.15%10.38%+41 bps
Total Risk-Based Capital9.97%9.93%10.00%10.15%10.38%+41 bps
Equity / Assets8.51%9.07%8.90%9.08%9.27%+76 bps
Liquidity & Funding
Loans / Deposits57.28%58.25%55.80%56.63%57.19%-9 bps
Liquid Assets / Assets22.61%20.24%23.25%22.24%21.56%-106 bps
CRE / Total Capitaln/a247%250%251%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

D.L. Evans Bank

Burley, ID · Cert 11666 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · D L Evans Bcorp

State charter, non-member · FDIC · 39 branches

Q2 2026

$3.7BAssets
$1.8BLoans
$3.2BDeposits
$343.3MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 81% of banks $1B-$10B in assets operating regionally (rank 36 of 176).
  • Widest gap: total risk-based capital ratio trails 92% of banks $1B-$10B in assets operating regionally (rank 162 of 176).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.34%

Rank 74 of 176

Net Interest Margin

3.16%

Rank 143 of 176

Efficiency Ratio

51.59%

Rank 40 of 176

Equity / Assets

9.27%

Rank 127 of 176

Non-interest income vs. expense

$26.5M$74.0MINCOMEEXPENSE
Unfavorable gap of $47.5M · efficiency ratio beats 78% of banks $1B-$10B in assets operating regionally
Bank 51.59%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.34%0.93%1.26%1.54%Beats 58%74 / 176
Return on Equity14.39%9.26%11.89%14.46%Beats 73%48 / 176
Net Interest Margin3.16%3.25%3.59%3.93%Beats 19%143 / 176
Efficiency Ratio51.59%52.79%59.55%67.66%Beats 78%40 / 176
Asset Quality
Nonperforming Loans / Loans0.27%0.30%0.64%1.32%Beats 80%36 / 176
Net Charge-Offs / Loans0.01%0.01%0.04%0.10%Beats 81%36 / 176
Capital
Tier 1 Capital Ratio10.38%11.15%12.72%14.15%Beats 11%156 / 176
Total Risk-Based Capital Ratio10.38%11.81%13.63%15.33%Beats 8%162 / 176
Equity / Assets9.27%9.16%10.35%11.80%Beats 28%127 / 176
Liquidity & Funding
Loans / Deposits57.19%80.94%89.73%97.21%2nd pctl173 / 176
Loans / Assets48.91%69.25%75.12%80.82%2nd pctl173 / 176
Brokered Deposits / Depositsn/aNot reported for this institution