BanksEVOLVE BANK & TRUST

EVOLVE BANK & TRUST

WEST MEMPHIS, ARLargeEst. June 5, 1925, midnightFDIC #1299RSSD #592448FED
Latest · 2025-12-31

EVOLVE BANK & TRUST is an 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%. CET1 capital ratio: 17.73%, well above regulatory minimums. NPL ratio: 0.75% · Texas Ratio: 4.20%. Operates 5 domestic branches.

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 Margin3.44%
Yield on Assets5.88%
Cost of Funds2.65%

Asset Quality

NPL Ratio0.75%
Net Charge-Off Ratio0.22%
Texas Ratio4.20%
NPA Ratio0.58%
ACL / Loans1.56%

Capital & Liquidity

CET1 Ratio17.73%
Tier 1 Capital17.73%
Total Capital Ratio18.99%
Leverage Ratio11.91%
Loan-to-Deposit82.89%

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