Evans National Bank
Angola, NY · Cert 6947 · Peer group: banks $1B-$10B in assets (n=289-295)
FDIC · 19 branches
Q1 2025
$2.2BAssets
$1.8BLoans
$1.9BDeposits
$219.7MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 74% of banks $1B-$10B in assets (rank 77 of 295).
- Widest gap: nonperforming loans / loans trails 88% of banks $1B-$10B in assets (rank 256 of 289).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.78%
Rank 203 of 295
Net Interest Margin
2.76%
Rank 224 of 295
Efficiency Ratio
68.01%
Rank 186 of 293
Equity / Assets
10.09%
Rank 134 of 295
Non-interest income vs. expense
Unfavorable gap of $39.7M · efficiency ratio beats 37% 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% | 0.99% | 1.28% | Beats 31% | 203 / 295 | |
| Return on Equity | 7.73% | 6.86% | 10.32% | 12.56% | Beats 32% | 202 / 295 | |
| Net Interest Margin | 2.76% | 2.78% | 3.17% | 3.67% | Beats 24% | 224 / 295 | |
| Efficiency Ratio | 68.01% | 55.64% | 64.40% | 72.15% | Beats 37% | 186 / 293 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.52% | 0.14% | 0.43% | 0.88% | Beats 12% | 256 / 289 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.03% | Beats 33% | 194 / 289 | |
| Capital |
| Tier 1 Capital Ratio | 14.38% | 11.30% | 12.70% | 14.80% | Beats 72% | 83 / 295 | |
| Total Risk-Based Capital Ratio | 15.64% | 12.21% | 13.57% | 15.83% | Beats 74% | 77 / 295 | |
| Equity / Assets | 10.09% | 8.74% | 9.92% | 11.39% | Beats 55% | 134 / 295 | |
| Liquidity & Funding |
| Loans / Deposits | 93.67% | 77.01% | 86.08% | 94.78% | 72nd pctl | 80 / 290 | |
| Loans / Assets | 81.78% | 65.46% | 73.72% | 80.10% | 82nd pctl | 53 / 289 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |