Evolve Bank & Trust
West Memphis, AR·RSSD 592448·FDIC 1299·bank:592448·Risk-based ratios where reported
- #20 of 78Total assets in Arkansas
- 10offices
- 359employees
- Top 1%Margin improvement in the U.S.
- Top 3%Fee income vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Evolve Bank & Trust
13 of 24 FORFI signals stand out against 629 similar banks, based on FDIC data for the quarter.
Borrowed funding falling while the peer median holds steadyNotable: Funding 2nd quarter0.0%peers 1.7%-1.7 pp
Evolve Bank & Trust's borrowings as a share of assets fell 8.6 percentage points over the past year to 0.0%. Among 629 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 0.0% | 1.7% | -1.7 pp |
| 12-month change | ||
| -8.6 pp | 0.0 pp | -8.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Evolve Bank & Trust itself is left out of every peer median and percentile. How signals work
Net interest margin widening faster than peersStrength: Earnings 2nd quarter4.08%peers 3.81%+27 bps
Evolve Bank & Trust's net interest margin rose 123 bps over the past year to 4.08%. Among 628 similar banks, the median rose 23 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 4.08% | 3.81% | +27 bps |
| 12-month change | ||
| +123 bps | +23 bps | +100 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Evolve Bank & Trust itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter12.88%peers 10.54%+2.3 pp
Evolve Bank & Trust's leverage ratio rose 2.5 percentage points over the past year to 12.88%. Among 629 similar banks, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 12.88% | 10.54% | +2.3 pp |
| 12-month change | ||
| +2.5 pp | +0.3 pp | +2.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Evolve Bank & Trust itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter106.7%peers 60.3%+46.4 pp
Evolve Bank & Trust's efficiency ratio fell 16.2 percentage points over the past year to 106.7%. Among 626 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 106.7% | 60.3% | +46.4 pp |
| 12-month change | ||
| -16.2 pp | -2.1 pp | -14.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Evolve Bank & Trust itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity 2nd quarter91.7%+8.4 pp in 12 months
Evolve Bank & Trust's loans rose to 91.7% of deposits, 8.4 percentage points higher than a year earlier, while cash fell to 11.1% of assets. The median change in the loan-to-deposit ratio among 625 similar banks was +0.2 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 91.7% | +8.4 pp in 12 months |
| Cash / assets | |
| 11.1% | -3.1 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Evolve Bank & Trust itself is left out of every peer median and percentile. How signals work
8 more observations
- Noninterest-bearing deposit share rising while the peer median fallsFunding
- Deposits shrinking while the peer median growsFunding
- Fee and other noninterest income among the highest of similar banksEarnings
- Reliance on CDs rising while the peer median fallsFunding
- Return on assets rising faster than peersEarnings
- Deposit costs falling faster than peersFunding
- Loans shrinking while the peer median growsLending
- Problem loans rising faster than peersAsset quality
Key facts
- Evolve Bank & Trust is a bank headquartered in West Memphis, Arkansas. It reported $1.2 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $981 million, down 14.0% from a year earlier, and loans totaled $900 million, down 5.3%.
- Its net interest margin was 4.08% and its annualized return on assets was -0.15% for the quarter.
- Its cost of all deposits was 2.16%, compared with a median of 1.93% among 625 similar banks with $1 billion to $3 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Evolve Bank & Trust's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Evolve Bank & Trust · Bank
- Federal Reserve RSSD
- 592448
- FDIC certificate
- 1299
- Reporting period
- Peer group
- 629 banks with $1 billion to $3 billion in assets that filed FDIC data for the same quarter. Evolve Bank & Trust itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$434K | — | |
| $16.72M | — | |
| $5.33M | — | |
| $11.39M | — | |
| $14.23M | — | |
| $27.35M | — | |
| -$1.13M | — | |
| -$1.15M | — | |
| -0.15% | -0.14%ROAQ · Quarter | |
| 4.08% | 4.07%NIMYQ · Quarter | |
| 106.73% | 106.73%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.