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Evabank

Eva, AL · Cert 26799

State charter, non-member · FDIC · 7 branches

Q2 2026

$490.6MAssets
$397.6MLoans
$340.6MDeposits
$138.6MEquity
Loan mix
96%RE $372.7M1%C&I $3.7M3%Consumer $11.6MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $328.4M4%Noninterest $12.1MQ2 2025Q2 2026

NIM

7.99%Q2 ’248.23%Q2 ’257.94%Q2 ’26+4%0%

Non-interest income vs. expense

2.60%Q2 ’241.85%Q2 ’252.45%Q2 ’26-25%+25%

Market Position · Decatur, AL · 2026 SOD (annual) · 2.5% share · #11 of 16 inst. · $0.1B of $3.3B

6.5% Cullman
2.9% Morgan
0.1% Jefferson
0.2% Madison

Executive Summary

  • Earnings: ROA of 2.53%, down 21 bps year over year; NIM at 5.89%.
  • Asset quality: problem loans at 1.61% of loans (-79 bps YoY), with net charge-offs at 0.45%.
  • Capital: tier 1 leverage ratio of 27.85%, up 25 bps from a year ago.
  • Funding: loans stand at 116.76% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.53%-21 bps YoY

Net Interest Margin (quarter, annualized)

5.89%0 bps YoY

Efficiency Ratio (quarter, annualized)

40.56%+923 bps YoY

Tier 1 Leverage Ratio

27.85%+25 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.74%2.63%2.53%2.51%2.53%-21 bps
Return on Equity9.92%9.37%8.98%9.01%9.05%-88 bps
Net Interest Margin5.89%6.02%5.92%5.92%5.89%0 bps
Efficiency Ratio31.33%39.04%45.03%38.31%40.56%+923 bps
Non-Interest Burden1.84%2.32%2.37%2.20%2.30%+46 bps
Growth
Asset Growth (YoY)7.42%4.98%5.38%4.66%5.09%-232 bps
Loan Growth (YoY)12.92%8.43%7.93%8.47%8.27%-465 bps
Deposit Growth (YoY)12.58%8.72%8.79%10.02%4.71%-788 bps
Asset Quality
Nonperforming Loans / Loans2.40%1.85%2.18%1.79%1.61%-79 bps
Net Charge-Offs / Loans0.32%-0.07%0.13%0.34%0.45%+13 bps
Allowance / Loans2.29%2.32%2.29%2.33%2.29%0 bps
Allowance Coverage of NPLs1.0x1.3x1.0x1.3x1.4x+0.5x
Capital
Tier 1 Leverage Ratio27.59%27.93%27.88%27.59%27.85%+25 bps
Total Risk-Based Capital27.59%27.93%27.88%27.59%27.85%+25 bps
Equity / Assets27.85%28.26%28.08%27.70%28.26%+40 bps
Liquidity & Funding
Loans / Deposits112.91%115.32%115.81%113.73%116.76%+384 bps
Liquid Assets / Assets3.27%2.54%1.74%3.14%1.70%-157 bps
CRE / Total Capitaln/a197.99%206%208%n/an/a