Evabank
Eva, AL · Cert 26799 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 7 branches
Q2 2026
$490.6MAssets
$397.6MLoans
$340.6MDeposits
$138.6MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 99% of banks under $1B in assets (rank 8 of 629).
- Widest gap: net charge-offs / loans trails 92% of banks under $1B in assets (rank 538 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
2.51%
Rank 51 of 629
Net Interest Margin
5.89%
Rank 8 of 629
Efficiency Ratio
39.44%
Rank 23 of 629
Equity / Assets
28.26%
Rank 60 of 629
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 97% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.51% | 0.60% | 1.01% | 1.45% | Beats 92% | 51 / 629 | |
| Return on Equity | 8.87% | 5.38% | 9.30% | 13.28% | Beats 46% | 340 / 629 | |
| Net Interest Margin | 5.89% | 3.03% | 3.54% | 4.05% | Beats 99% | 8 / 629 | |
| Efficiency Ratio | 39.44% | 58.35% | 67.79% | 79.08% | Beats 97% | 23 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.61% | 0.09% | 0.46% | 1.20% | Beats 17% | 481 / 581 | |
| Net Charge-Offs / Loans | 0.23% | n/a | 0.01% | 0.06% | Beats 8% | 538 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 27.85% | 11.24% | 13.84% | 18.77% | Beats 86% | 89 / 629 | |
| Total Risk-Based Capital Ratio | 27.85% | 11.58% | 14.43% | 19.66% | Beats 85% | 95 / 629 | |
| Equity / Assets | 28.26% | 9.09% | 10.65% | 13.80% | Beats 90% | 60 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 116.76% | 67.24% | 80.90% | 93.48% | 97th pctl | 15 / 594 | |
| Loans / Assets | 81.05% | 53.31% | 67.71% | 78.15% | 83rd pctl | 105 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |