West Memphis, AR · Cert 1299 · Evolve Bcorp Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
Market Position · Memphis, TN-MS-AR · 2026 SOD (annual) · 2.0% share · #10 of 48 inst. · $0.9B of $46.3B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.33% | -1.01% | -1.16% | -1.52% | 3.35% | -0.14% | -0.14% | +101 bps | |
| Return on Equity | 4.56% | 3.52% | -10.63% | -11.19% | -13.88% | 28.25% | -1.06% | -1.07% | +1,011 bps | |
| Net Interest Margin | 2.15% | 2.20% | 2.22% | 2.59% | 2.71% | 3.14% | 3.46% | 3.74% | +115 bps | |
| Efficiency Ratio | 89.82% | 95.31% | 117.14% | 122.94% | 128.53% | 46.17% | 104.20% | 106.73% | -1,621 bps | |
| Non-Interest Burden | 1.28% | 1.78% | 3.57% | 4.27% | 4.80% | -1.12% | 3.81% | 4.29% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.03% | 26.55% | 2.99% | -13.11% | -18.84% | -29.00% | -24.37% | -18.55% | -544 bps | |
| Loan Growth (YoY) | 8.21% | -0.46% | -7.38% | -7.47% | -10.66% | -14.54% | -8.38% | -5.35% | +212 bps | |
| Deposit Growth (YoY) | -4.37% | 34.55% | 6.98% | -0.16% | -9.44% | -19.46% | -16.79% | -14.02% | -1,385 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.66% | 0.90% | 0.71% | 0.67% | 0.44% | 0.84% | 0.96% | 1.88% | +122 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.12% | 0.67% | -0.04% | 0.10% | 0.10% | 0.22% | 0.16% | +20 bps | |
| Allowance / Loans | 1.62% | 1.59% | 1.58% | 1.62% | 1.56% | 1.56% | 1.44% | 1.27% | -35 bps | |
| Allowance Coverage of NPLs | 2.5x | 1.8x | 2.2x | 2.4x | 3.5x | 1.8x | 1.5x | 0.7x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.80% | 10.04% | 10.25% | 10.39% | 10.08% | 11.91% | 12.70% | 12.88% | +249 bps | |
| Total Risk-Based Capital | 15.55% | 16.43% | 15.99% | 15.66% | 16.14% | 18.99% | 19.14% | 18.97% | +332 bps | |
| Equity / Assets | 9.81% | 9.09% | 10.05% | 10.71% | 11.15% | 12.62% | 13.39% | 13.58% | +287 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.31% | 78.13% | 81.77% | 83.33% | 88.10% | 82.89% | 90.03% | 91.73% | +840 bps | |
| Liquid Assets / Assets | 24.21% | 30.51% | 19.68% | 13.20% | 12.32% | 12.91% | 11.06% | 10.27% | -293 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 173.65% | 159.81% | 167.40% | n/a | n/a | |