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
Unfavorable gap of $50.0M · efficiency ratio beats 1% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer 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 Margin | 3.63% | 3.22% | 3.56% | 3.91% | Beats 55% | 80 / 178 | |
| Efficiency Ratio | 105.44% | 52.04% | 58.90% | 67.10% | Beats 1% | 177 / 178 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.88% | 0.29% | 0.60% | 1.26% | Beats 11% | 159 / 178 | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.03% | 0.10% | Beats 25% | 134 / 178 | |
| Capital |
| Tier 1 Capital Ratio | 17.72% | 11.19% | 12.72% | 14.14% | Beats 94% | 10 / 178 | |
| Total Risk-Based Capital Ratio | 18.97% | 11.91% | 13.63% | 15.33% | Beats 95% | 9 / 178 | |
| Equity / Assets | 13.58% | 9.12% | 10.35% | 11.80% | Beats 92% | 15 / 178 | |
| Liquidity & Funding |
| Loans / Deposits | 91.73% | 80.94% | 89.92% | 97.12% | 59th pctl | 73 / 178 | |
| Loans / Assets | 75.70% | 69.25% | 75.52% | 80.96% | 51st pctl | 88 / 178 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |