Evans National Bank
Angola, NY · Cert 6947 · Peer group: banks $1B-$10B in assets (n=278-284)
FDIC · 19 branches
Q1 2025
$2.2BAssets
$1.8BLoans
$1.9BDeposits
$219.7MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 75% of banks $1B-$10B in assets (rank 71 of 284).
- Widest gap: nonperforming loans / loans trails 89% of banks $1B-$10B in assets (rank 249 of 278).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.78%
Rank 195 of 284
Net Interest Margin
2.76%
Rank 215 of 284
Efficiency Ratio
68.01%
Rank 177 of 282
Equity / Assets
10.09%
Rank 125 of 284
Non-interest income vs. expense
Unfavorable gap of $39.7M · efficiency ratio beats 38% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.66% | 1.00% | 1.27% | Beats 31% | 195 / 284 | |
| Return on Equity | 7.73% | 6.91% | 10.41% | 12.45% | Beats 31% | 196 / 284 | |
| Net Interest Margin | 2.76% | 2.78% | 3.14% | 3.61% | Beats 24% | 215 / 284 | |
| Efficiency Ratio | 68.01% | 55.67% | 64.45% | 71.75% | Beats 38% | 177 / 282 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.52% | 0.14% | 0.43% | 0.88% | Beats 11% | 249 / 278 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.03% | Beats 34% | 184 / 278 | |
| Capital |
| Tier 1 Capital Ratio | 14.38% | 11.24% | 12.70% | 14.74% | Beats 73% | 77 / 284 | |
| Total Risk-Based Capital Ratio | 15.64% | 12.18% | 13.56% | 15.64% | Beats 75% | 71 / 284 | |
| Equity / Assets | 10.09% | 8.73% | 9.81% | 11.36% | Beats 56% | 125 / 284 | |
| Liquidity & Funding |
| Loans / Deposits | 93.67% | 76.30% | 85.69% | 93.83% | 75th pctl | 71 / 279 | |
| Loans / Assets | 81.78% | 65.34% | 73.12% | 79.97% | 83rd pctl | 48 / 278 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |