EVOLVE BANK & TRUST

WEST MEMPHIS, AR | Large | Est. June 5, 1925, midnight | FDIC #1299 | RSSD #592448 | FED
Latest Report: 2025-12-31

EVOLVE BANK & TRUST is aln large FDIC-insured commercial bank headquartered in WEST MEMPHIS, AR, established in June 5, 1925, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 3.35% ROA and 28.25% ROE, with a net interest margin of 3.44%. The bank's CET1 capital ratio is 17.73%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.75% and a Texas Ratio of 4.20%. FDIC Certificate #1299.

Assets

$1.3B

Deposits

$1.1B

Loans

$889M

Equity

$162M

Profitability

Return on Assets (ROA) 3.35%
Return on Equity (ROE) 28.25%
Net Interest Margin (NIM) 3.44%
Yield on Assets 5.88%
Cost of Funds 7.38%

Asset Quality

NPL Ratio 0.75%
Net Charge-Off Ratio 0.22%
Texas Ratio 4.20%
NPA Ratio 0.58%
ACL / Loans 1.56%

Capital & Liquidity

CET1 Ratio 17.73%
Tier 1 Capital 17.73%
Total Capital Ratio 18.99%
Leverage Ratio 11.91%
Loan-to-Deposit 82.89%

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