EVOLVE BANK & TRUST
EVOLVE BANK & TRUST is an FDIC-insured commercial bank headquartered in WEST MEMPHIS, AR, established in 1925. As of , 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 3.46%. CET1 capital ratio: 17.73%, well above regulatory minimums. NPL ratio: 0.75% · Texas Ratio: 4.20%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Evolve Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 17.73% | 3.35% | 0.75% | 4.20% | 3.46% |
| 2025-09-30 | 14.88% | -1.52% | 0.37% | 2.40% | 2.96% |
| 2025-06-30 | 14.40% | -1.16% | 0.55% | 3.30% | 2.83% |
| 2025-03-31 | 14.73% | -1.01% | 0.85% | 4.97% | 2.41% |
| 2024-12-31 | 15.17% | 0.33% | 0.99% | 5.70% | 2.42% |
| 2024-09-30 | 14.29% | 0.44% | 0.80% | 4.68% | 2.36% |
| 2024-06-30 | 14.79% | 1.00% | 0.70% | 4.08% | 2.41% |
| 2024-03-31 | 13.86% | 0.79% | 0.72% | 4.70% | 2.17% |
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Frequently asked about EVOLVE BANK & TRUST
What are Evolve Bank & Trust's total assets?
As of the Q4 2025 filing, Evolve Bank & Trust reported total assets of $1.29 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Evolve Bank & Trust headquartered?
Evolve Bank & Trust is headquartered in WEST MEMPHIS, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Evolve Bank & Trust founded?
Evolve Bank & Trust was established in 1925, per the FDIC institution directory.
Is Evolve Bank & Trust FDIC-insured?
Yes. Evolve Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #1299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Evolve Bank & Trust?
Evolve Bank & Trust's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Evolve Bank & Trust's CET1 capital ratio?
Evolve Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 17.73% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Evolve Bank & Trust operate?
Evolve Bank & Trust operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Evolve Bank & Trust's Texas Ratio?
Evolve Bank & Trust's Texas Ratio is 4.20% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.