Bank Comparison
Evolve Bank & Trust vs Legacy Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Evolve Bank & Trust | Legacy Bank |
|---|---|---|
| CET1 Ratio | 17.89% | 9.80% |
| Tier 1 Capital Ratio | 17.89% | 9.80% |
| Total Capital Ratio | 19.14% | 11.05% |
| Tier 1 Leverage Ratio | 12.70% | 8.94% |
| Equity / Assets | 13.39% | 9.06% |
Profitability
| Metric | Evolve Bank & Trust | Legacy Bank |
|---|---|---|
| Return on Assets (ROA) | -0.14% | 1.32% |
| Return on Equity (ROE) | -1.06% | 14.57% |
| Net Interest Margin (NIM) | 3.69% | 4.26% |
| Yield on Earning Assets | 5.66% | 6.38% |
| Cost of Funds | 2.23% | 2.20% |
Asset quality
| Metric | Evolve Bank & Trust | Legacy Bank |
|---|---|---|
| Texas Ratio | 5.45% | 5.91% |
| Non-Performing Loan Ratio | 0.87% | 0.61% |
| Non-Performing Asset Ratio | 0.71% | 0.53% |
| Net Charge-Off Ratio | 0.22% | 0.00% |
| ACL / Loans | 1.44% | 1.31% |
Balance sheet
| Metric | Evolve Bank & Trust | Legacy Bank |
|---|---|---|
| Total Assets | $1,208M | $1,221M |
| Total Deposits | $997,294K | $1,100M |
| Total Loans | $897,852K | $1,075M |
| Total Equity | $161,850K | $110,673K |
| Net Income (quarter) | $-431 | $3,973K |
Liquidity & funding
| Metric | Evolve Bank & Trust | Legacy Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.03% | 97.68% |
| Core Deposit Ratio | 68.35% | 83.68% |
| Uninsured Deposit Ratio | 40.71% | 53.98% |
Identity
| Metric | Evolve Bank & Trust | Legacy Bank |
|---|---|---|
| Headquarters City | WEST MEMPHIS | SPRINGDALE |
| Headquarters State | AR | AR |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 0 | 24573 |
| Regulator | FED | OCC |
| Domestic Branches | 10 | 10 |
| Employees (FTE) | 373 | 150 |
| Established | June 5, 1925, midnight | March 28, 2005, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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