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Evolve Bank & Trust

West Memphis, AR · Cert 1299 · Evolve Bcorp Inc.

State charter, Fed member · FED · 5 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=178). 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

94

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

1

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 2026-10-10

Evolve Bank & Trust

West Memphis, AR · Cert 1299 · Evolve Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$1.2BAssets
$899.8MLoans
$980.9MDeposits
$161.4MEquity
Loan mix
68%RE $607.1M25%C&I $226.1M7%Consumer $61.8MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $616.5M37%Noninterest $364.4MQ2 2025Q2 2026

NIM

5.46%Q2 ’245.37%Q2 ’255.43%Q2 ’26+18%+47%

Non-interest income vs. expense

7.71%Q2 ’249.43%Q2 ’258.97%Q2 ’26+373%+1%

Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 2.0% share · #10 of 48 inst. · $0.9B of $46.3B

48.1% Crittenden
0.1% Shelby
5.7% Cross
0.4% Craighead

Executive Summary

  • Earnings: ROA of -0.14%, up 94 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 1.88% of loans (+122 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 12.88%, up 249 bps from a year ago.
  • Funding: loans stand at 91.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.14%+94 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+116 bps YoY

Efficiency Ratio (YTD, annualized)

105.44%-1,441 bps YoY

Tier 1 Leverage Ratio

12.88%+249 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.08%-1.21%-0.20%-0.14%-0.14%+94 bps
Return on Equity-10.91%-11.88%-1.90%-1.06%-1.07%+984 bps
Net Interest Margin2.47%2.57%2.87%3.46%3.63%+116 bps
Efficiency Ratio119.85%122.60%104.39%104.20%105.44%-1,441 bps
Non-Interest Burden4.02%4.32%3.22%3.81%4.08%+6 bps
Growth
Asset Growth (YoY)-13.11%-18.84%-29.00%-24.37%-18.55%-544 bps
Loan Growth (YoY)-7.47%-10.66%-14.54%-8.38%-5.35%+212 bps
Deposit Growth (YoY)-0.16%-9.44%-19.46%-16.79%-14.02%-1,385 bps
Asset Quality
Nonperforming Loans / Loans0.67%0.44%0.84%0.96%1.88%+122 bps
Net Charge-Offs / Loans0.32%0.25%0.22%0.22%0.19%-13 bps
Allowance / Loans1.62%1.56%1.56%1.44%1.27%-35 bps
Allowance Coverage of NPLs2.4x3.5x1.8x1.5x0.7x-1.7x
Capital
Tier 1 Leverage Ratio10.39%10.08%11.91%12.70%12.88%+249 bps
Total Risk-Based Capital15.66%16.14%18.99%19.14%18.97%+332 bps
Equity / Assets10.71%11.15%12.62%13.39%13.58%+287 bps
Liquidity & Funding
Loans / Deposits83.33%88.10%82.89%90.03%91.73%+840 bps
Liquid Assets / Assets13.20%12.32%12.91%11.06%10.27%-293 bps
CRE / Total Capitaln/a173.65%159.81%167.40%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 2026-10-10

Evolve Bank & Trust

West Memphis, AR · Cert 1299 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · Evolve Bcorp Inc.

State charter, Fed member · FED · 5 branches

Q2 2026

$1.2BAssets
$899.8MLoans
$980.9MDeposits
$161.4MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 95% of banks $1B-$10B in assets operating regionally (rank 9 of 178).
  • Widest gap: efficiency ratio trails 99% of banks $1B-$10B in assets operating regionally (rank 177 of 178).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-0.15%

Rank 177 of 178

Net Interest Margin

3.63%

Rank 80 of 178

Efficiency Ratio

105.44%

Rank 177 of 178

Equity / Assets

13.58%

Rank 15 of 178

Non-interest income vs. expense

$59.8M$109.8MINCOMEEXPENSE
Unfavorable gap of $50.0M · efficiency ratio beats 1% of banks $1B-$10B in assets operating regionally
Bank 105.44%Peer median 58.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.15%0.91%1.25%1.53%Beats 1%177 / 178
Return on Equity-1.07%9.18%11.89%14.44%Beats 1%177 / 178
Net Interest Margin3.63%3.22%3.56%3.91%Beats 55%80 / 178
Efficiency Ratio105.44%52.04%58.90%67.10%Beats 1%177 / 178
Asset Quality
Nonperforming Loans / Loans1.88%0.29%0.60%1.26%Beats 11%159 / 178
Net Charge-Offs / Loans0.10%0.01%0.03%0.10%Beats 25%134 / 178
Capital
Tier 1 Capital Ratio17.72%11.19%12.72%14.14%Beats 94%10 / 178
Total Risk-Based Capital Ratio18.97%11.91%13.63%15.33%Beats 95%9 / 178
Equity / Assets13.58%9.12%10.35%11.80%Beats 92%15 / 178
Liquidity & Funding
Loans / Deposits91.73%80.94%89.92%97.12%59th pctl73 / 178
Loans / Assets75.70%69.25%75.52%80.96%51st pctl88 / 178
Brokered Deposits / Depositsn/aNot reported for this institution