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 | |