Banks EVABANK

EVABANK

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

EVABANK is an 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%. CET1 capital ratio: 28.08%, well above regulatory minimums. NPL ratio: 2.18% · Texas Ratio: 5.98%.

Assets
$478M
Deposits
$333M
Loans
$385M
Equity
$134M

Profitability

Return on Assets (ROA)2.53%
Return on Equity (ROE)8.98%
Net Interest Margin6.30%
Yield on Assets8.70%
Cost of Funds3.14%

Asset Quality

NPL Ratio2.18%
Net Charge-Off Ratio0.14%
Texas Ratio5.98%
NPA Ratio1.79%
ACL / Loans2.29%

Capital & Liquidity

CET1 Ratio28.08%
Tier 1 Capital28.08%
Total Capital Ratio29.48%
Leverage Ratio27.88%
Loan-to-Deposit115.81%

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