Evansdale, IA · Cert 18508 · Evans Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
66
Asset Quality
23
Profitability
34
Liquidity
74
Efficiency
32
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Evansdale, IA · Cert 18508 · Evans Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Waterloo-Cedar Falls, IA · 2026 SOD (annual) · 1.6% share · #17 of 23 inst. · $0.1B of $4.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.49% | 0.69% | 0.79% | 0.70% | 0.68% | 0.82% | 0.84% | +5 bps | |
| Return on Equity | 3.43% | 4.09% | 5.56% | 6.29% | 5.45% | 5.23% | 5.92% | 6.02% | -27 bps | |
| Net Interest Margin | 3.21% | 3.13% | 3.29% | 3.49% | 3.51% | 3.61% | 3.54% | 3.64% | +15 bps | |
| Efficiency Ratio | 74.44% | 74.17% | 75.00% | 72.18% | 71.81% | 72.87% | 71.97% | 72.21% | +3 bps | |
| Non-Interest Burden | 2.34% | 2.27% | 2.41% | 2.46% | 2.47% | 2.58% | 2.49% | 2.57% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | -0.54% | -2.87% | -0.26% | -7.13% | -6.91% | -4.50% | -5.45% | -518 bps | |
| Loan Growth (YoY) | -6.25% | -13.75% | -11.87% | -11.57% | -8.25% | 1.83% | 0.99% | 7.77% | +1,934 bps | |
| Deposit Growth (YoY) | -2.99% | -0.91% | -3.82% | -1.23% | -8.94% | -8.77% | -6.00% | -6.80% | -557 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.15% | 3.19% | 2.85% | 2.88% | 3.03% | 2.89% | 3.09% | 3.11% | +24 bps | |
| Net Charge-Offs / Loans | 0.28% | 0.45% | 0.32% | 0.29% | 0.24% | 0.31% | 0.03% | 0.03% | -26 bps | |
| Allowance / Loans | 1.32% | 1.20% | 1.12% | 1.09% | 1.20% | 1.08% | 1.09% | 1.04% | -5 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.66% | 12.96% | 13.76% | 14.32% | 14.60% | 14.31% | 14.66% | 14.90% | +57 bps | |
| Total Risk-Based Capital | 13.66% | 12.96% | 13.76% | 14.32% | 14.60% | 14.31% | 14.66% | 14.90% | +57 bps | |
| Equity / Assets | 12.36% | 11.92% | 12.76% | 13.06% | 14.02% | 13.62% | 13.97% | 14.24% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.58% | 72.38% | 75.19% | 72.59% | 78.17% | 80.80% | 80.78% | 83.94% | +1,134 bps | |
| Liquid Assets / Assets | 16.74% | 21.08% | 19.32% | 21.58% | 16.84% | 14.52% | 17.48% | 15.43% | -615 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 70.41% | 72.41% | 75.50% | n/a | n/a | |
Evansdale, IA · Cert 18508 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Evans Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
0.84%
Rank 494 of 746
Net Interest Margin
3.64%
Rank 387 of 746
Efficiency Ratio
72.21%
Rank 512 of 746
Equity / Assets
14.24%
Rank 131 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.84% | 0.72% | 1.06% | 1.45% | Beats 34% | 494 / 746 | ||
| Return on Equity | 5.90% | 6.74% | 10.51% | 13.63% | Beats 21% | 588 / 746 | ||
| Net Interest Margin | 3.64% | 3.17% | 3.68% | 4.16% | Beats 48% | 387 / 746 | ||
| Efficiency Ratio | 72.21% | 55.74% | 64.58% | 75.47% | Beats 32% | 512 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.11% | 0.09% | 0.42% | 1.07% | Beats 5% | 704 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 40% | 447 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.90% | 11.55% | 13.75% | 17.60% | Beats 60% | 296 / 746 | ||
| Total Risk-Based Capital Ratio | 14.90% | 11.71% | 14.33% | 18.43% | Beats 55% | 335 / 746 | ||
| Equity / Assets | 14.24% | 8.90% | 10.51% | 13.06% | Beats 82% | 131 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.94% | 61.31% | 78.27% | 90.78% | 63rd pctl | 279 / 746 | ||
| Loans / Assets | 71.26% | 53.60% | 66.97% | 76.08% | 60th pctl | 298 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||