Bank Comparison
Fm Bank and Trust vs Evolve Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Fm Bank and Trust | Evolve Bank & Trust |
|---|---|---|
| CET1 Ratio | 10.99% | 17.89% |
| Tier 1 Capital Ratio | 10.99% | 17.89% |
| Total Capital Ratio | 12.24% | 19.14% |
| Tier 1 Leverage Ratio | 8.96% | 12.70% |
| Equity / Assets | 8.36% | 13.39% |
Profitability
| Metric | Fm Bank and Trust | Evolve Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.91% | -0.14% |
| Return on Equity (ROE) | 31.89% | -1.06% |
| Net Interest Margin (NIM) | 4.12% | 3.69% |
| Yield on Earning Assets | 6.33% | 5.66% |
| Cost of Funds | 3.18% | 2.23% |
Asset quality
| Metric | Fm Bank and Trust | Evolve Bank & Trust |
|---|---|---|
| Texas Ratio | 7.59% | 5.45% |
| Non-Performing Loan Ratio | 0.86% | 0.87% |
| Non-Performing Asset Ratio | 0.73% | 0.71% |
| Net Charge-Off Ratio | 0.04% | 0.22% |
| ACL / Loans | 1.52% | 1.44% |
Balance sheet
| Metric | Fm Bank and Trust | Evolve Bank & Trust |
|---|---|---|
| Total Assets | $1,303M | $1,208M |
| Total Deposits | $1,173M | $997,294K |
| Total Loans | $1,089M | $897,852K |
| Total Equity | $109,017K | $161,850K |
| Net Income (quarter) | $6,188K | $-431 |
Liquidity & funding
| Metric | Fm Bank and Trust | Evolve Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 92.76% | 90.03% |
| Core Deposit Ratio | 84.10% | 98.83% |
| Uninsured Deposit Ratio | 18.02% | 40.71% |
Identity
| Metric | Fm Bank and Trust | Evolve Bank & Trust |
|---|---|---|
| Headquarters City | BLYTHEVILLE | WEST MEMPHIS |
| Headquarters State | AR | AR |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 16 | 10 |
| Employees (FTE) | 155 | 373 |
| Established | March 16, 1908, midnight | June 5, 1925, 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 . 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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