Bank Comparison
Peoplessouth Bank vs Evolve Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Peoplessouth Bank | Evolve Bank & Trust |
|---|---|---|
| CET1 Ratio | — | 17.89% |
| Tier 1 Capital Ratio | — | 17.89% |
| Total Capital Ratio | — | 19.14% |
| Tier 1 Leverage Ratio | 10.80% | 12.70% |
| Equity / Assets | 6.25% | 13.39% |
Profitability
| Metric | Peoplessouth Bank | Evolve Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.67% | -0.14% |
| Return on Equity (ROE) | 26.57% | -1.06% |
| Net Interest Margin (NIM) | 4.03% | 3.69% |
| Yield on Earning Assets | 5.77% | 5.66% |
| Cost of Funds | 1.84% | 2.23% |
Asset quality
| Metric | Peoplessouth Bank | Evolve Bank & Trust |
|---|---|---|
| Texas Ratio | 20.85% | 5.45% |
| Non-Performing Loan Ratio | 1.97% | 0.87% |
| Non-Performing Asset Ratio | 1.48% | 0.71% |
| Net Charge-Off Ratio | -0.07% | 0.22% |
| ACL / Loans | 1.32% | 1.44% |
Balance sheet
| Metric | Peoplessouth Bank | Evolve Bank & Trust |
|---|---|---|
| Total Assets | $1,204M | $1,208M |
| Total Deposits | $1,120M | $997,294K |
| Total Loans | $839,117K | $897,852K |
| Total Equity | $75,330K | $161,850K |
| Net Income (quarter) | $4,892K | $-431 |
Liquidity & funding
| Metric | Peoplessouth Bank | Evolve Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 74.89% | 90.03% |
| Core Deposit Ratio | 84.68% | 98.83% |
| Uninsured Deposit Ratio | 20.92% | 40.71% |
Identity
| Metric | Peoplessouth Bank | Evolve Bank & Trust |
|---|---|---|
| Headquarters City | COLQUITT | WEST MEMPHIS |
| Headquarters State | GA | AR |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 33 | 10 |
| Employees (FTE) | 198 | 373 |
| Established | Oct. 19, 1973, 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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