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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