EVABANK

EVA, AL | Small | Est. Oct. 13, 1986, midnight | FDIC #26799 | RSSD #498531 | FDIC
Latest Report: 2025-12-31

EVABANK is asn small FDIC-insured commercial bank headquartered in EVA, AL, established in Oct. 13, 1986, midnight. As of 2025-12-31, the bank reported total assets of $478M and total deposits of $333M. Profitability stands at 2.53% ROA and 8.98% ROE, with a net interest margin of 6.30%. The bank's CET1 capital ratio is 28.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.18% and a Texas Ratio of 5.98%. FDIC Certificate #26799.

Assets

$478M

Deposits

$333M

Loans

$385M

Equity

$134M

Profitability

Return on Assets (ROA) 2.53%
Return on Equity (ROE) 8.98%
Net Interest Margin (NIM) 6.30%
Yield on Assets 8.70%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 2.18%
Net Charge-Off Ratio 0.14%
Texas Ratio 5.98%
NPA Ratio 1.79%
ACL / Loans 2.29%

Capital & Liquidity

CET1 Ratio 28.08%
Tier 1 Capital 28.08%
Total Capital Ratio 29.48%
Leverage Ratio 27.88%
Loan-to-Deposit 115.81%

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