$1.21B
−24.4%y/y
Percentile by value25th percentileby value
FDIC
ASSETEB
Evolve Bank & Trust
West Memphis, ArkansasFDIC Cert #1299
STATEEstablished 192510 branches
Holding company: EVOLVE BCORP INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportEvolve Bank & Trust reported $1.21B in total assets. Deposits declined 16.79% over the prior year.
Return on assets was −0.14%, compared with an asset-peer median of 1.16%. The leverage ratio was 12.70%.
- Why is Efficiency Ratio above asset peers?
- Why is Deposit Growth, Year over Year below asset peers?
- Why is Total Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$997M
−16.8%y/y
Percentile by value21st percentileby value
FDIC
DEP$885M
−8.2%y/y
Percentile by value31st percentileby value
FDIC
LNLSNET−0.14%
+88 bpsy/y
Peer standing2nd percentile
FDIC
NETINC + ROA104.20%
−1,295 bpsy/y
Peer standing1st percentile
FDIC
NONIX + NIM + NONII + EEFFR12.70%
+245 bpsy/y
Peer standing81st percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $712M | $508M |
| Q3 2021 | $629M | $462M |
| Q4 2021 | $788M | $639M |
| Q1 2022 | $777M | $616M |
| Q2 2022 | $1.3B | $1.12B |
| Q3 2022 | $1.3B | $1.08B |
| Q4 2022 | $1.75B | $1.54B |
| Q1 2023 | $1.76B | $1.53B |
| Q2 2023 | $1.5B | $1.27B |
| Q3 2023 | $1.48B | $1.23B |
| Q4 2023 | $1.43B | $989M |
| Q1 2024 | $1.55B | $1.12B |
| Q2 2024 | $1.68B | $1.14B |
| Q3 2024 | $1.67B | $1.18B |
| Q4 2024 | $1.81B | $1.33B |
| Q1 2025 | $1.6B | $1.2B |
| Q2 2025 | $1.46B | $1.14B |
| Q3 2025 | $1.36B | $1.07B |
| Q4 2025 | $1.29B | $1.07B |
| Q1 2026 | $1.21B | $997M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $94.9M |
| Investor CRE | $76.2M |
| Multifamily | $25.4M |
| Construction | $67.5M |
| 1–4 family | $342M |
| C&I | $226M |
| Agriculture | $2.31M |
| Other | $63.2M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.14%2nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE−1.06%2nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.75%55th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR104.20%1st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP−16.79%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET−8.25%2nd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.96%28th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ12.70%81st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.80%7th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC100%11th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.14%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.69%Median 1.24%90th 2.04%Observations 78
ROE
FDIC
NETINC + ROE−1.06%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.19%Median 11.80%90th 19.41%Observations 78
NIM
FDIC
NIM + NIMY3.75%25th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 4.05%90th 4.87%Observations 78
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR104.20%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.82%Median 59.70%90th 77.70%Observations 78
Deposits YoY
FDIC
DEP−16.79%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.85%Median +5.44%90th +15.40%Observations 78
Loans YoY
FDIC
LNLSNET−8.25%4th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.76%Median +6.31%90th +17.60%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.96%36th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.67%90th 2.39%Observations 78
Leverage
FDIC
RBC1AAJ12.70%74th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.09%Median 10.90%90th 15.93%Observations 78
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.80%3rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 2.70%90th 3.34%Observations 78
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC100%23rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 72%Median 238%90th 298%Observations 36
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−0.14%0th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.89%Median 1.33%90th 2.03%Observations 15
ROE
FDIC
NETINC + ROE−1.06%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.23%Median 14.56%90th 20.63%Observations 15
NIM
FDIC
NIM + NIMY3.75%21st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.65%Median 3.96%90th 4.43%Observations 15
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR104.20%0th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.31%Median 58.38%90th 71.19%Observations 15
Deposits YoY
FDIC
DEP−16.79%0th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.17%Median +5.66%90th +15.81%Observations 15
Loans YoY
FDIC
LNLSNET−8.25%0th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.76%Median +6.29%90th +19.04%Observations 15
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.96%29th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.12%Median 0.41%90th 2.09%Observations 15
Leverage
FDIC
RBC1AAJ12.70%93rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 10.96%90th 12.61%Observations 15
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.80%0th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.38%Median 2.66%90th 3.22%Observations 15
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC100%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 157%Median 248%90th 296%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 10 branches
- Headquarters
- West Memphis, AR
FDIC
OFFDOMOpen the Arkansas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data