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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

5.61%Q2 ’245.31%Q2 ’255.47%Q2 ’26+17%+44%

Non-interest income vs. expense

8.18%Q2 ’249.04%Q2 ’258.94%Q2 ’26+349%+0%

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 101 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 1.88% of loans (+122 bps YoY), with net charge-offs at 0.16%.
  • 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 (quarter, annualized)

-0.14%+101 bps YoY

Net Interest Margin (quarter, annualized)

3.74%+115 bps YoY

Efficiency Ratio (quarter, annualized)

106.73%-1,621 bps YoY

Tier 1 Leverage Ratio

12.88%+249 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.16%-1.52%3.35%-0.14%-0.14%+101 bps
Return on Equity-11.19%-13.88%28.25%-1.06%-1.07%+1,011 bps
Net Interest Margin2.59%2.71%3.14%3.46%3.74%+115 bps
Efficiency Ratio122.94%128.53%46.17%104.20%106.73%-1,621 bps
Non-Interest Burden4.27%4.80%-1.12%3.81%4.29%+2 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 / Loans-0.04%0.10%0.10%0.22%0.16%+20 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