Evolve Bank & Trust
West Memphis, AR · Cert 1299 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 176).
- Widest gap: efficiency ratio trails 99% of banks $1B-$10B in assets operating regionally (rank 175 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-0.15%
Rank 175 of 176
Net Interest Margin
3.63%
Rank 82 of 176
Efficiency Ratio
105.44%
Rank 175 of 176
Equity / Assets
13.58%
Rank 17 of 176
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.15% | 0.93% | 1.26% | 1.54% | Beats 1% | 175 / 176 | | |
| Return on Equity | -1.07% | 9.26% | 11.89% | 14.46% | Beats 1% | 175 / 176 | | |
| Net Interest Margin | 3.63% | 3.25% | 3.59% | 3.93% | Beats 53% | 82 / 176 | | |
| Efficiency Ratio | 105.44% | 52.79% | 59.55% | 67.66% | Beats 1% | 175 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.88% | 0.30% | 0.64% | 1.32% | Beats 11% | 157 / 176 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.04% | 0.10% | Beats 25% | 133 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 17.72% | 11.15% | 12.72% | 14.15% | Beats 94% | 10 / 176 | | |
| Total Risk-Based Capital Ratio | 18.97% | 11.81% | 13.63% | 15.33% | Beats 95% | 9 / 176 | | |
| Equity / Assets | 13.58% | 9.16% | 10.35% | 11.80% | Beats 90% | 17 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.73% | 80.94% | 89.73% | 97.21% | 59th pctl | 72 / 176 | | |
| Loans / Assets | 75.70% | 69.25% | 75.12% | 80.82% | 52nd pctl | 85 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |