D.L. Evans Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 29.26 percentage points in Q2 2026, from 578.56% to 549.30%. It was the largest change from Q1 2026 among the key lines here. Within Idaho, D.L. Evans Bank is 6th of 10 on return on assets, 1.26% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets; D.L. Evans Bank reported 1.26% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.38% |
| Equity capital to assets | 9.27% |
| Tangible equity to tangible assets | 9.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.30% |
| Allowance for credit losses to loans | 1.41% |
| Reserve coverage of non-performing loans | 549.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 13.86% |
| Net interest margin | 3.41% |
| Efficiency ratio | 51.56% |
| Yield on earning assets | 5.08% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.19% |
| Core deposits to total deposits | 89.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.52% |
| Securities to assets | 35.81% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.54% | 0.92% | 3.15% | 0.29% | -0.00% |
| Q4 2023 | 9.66% | 1.12% | 3.10% | 0.28% | 0.00% |
| Q1 2024 | 9.68% | 0.91% | 2.96% | 0.32% | 0.00% |
| Q2 2024 | 10.09% | 1.02% | 3.03% | 0.30% | 0.02% |
| Q3 2024 | 10.02% | 0.99% | 3.06% | 0.25% | 0.01% |
| Q4 2024 | 9.96% | 0.99% | 3.08% | 0.20% | -0.01% |
| Q1 2025 | 10.08% | 0.99% | 3.04% | 0.26% | 0.00% |
| Q2 2025 | 9.97% | 1.06% | 3.14% | 0.22% | 0.03% |
| Q3 2025 | 9.93% | 1.10% | 3.26% | 0.21% | 0.03% |
| Q4 2025 | 10.00% | 1.26% | 3.40% | 0.23% | 0.00% |
| Q1 2026 | 10.15% | 1.42% | 3.28% | 0.24% | -0.00% |
| Q2 2026 | 10.38% | 1.26% | 3.41% | 0.26% | 0.01% |
D.L. Evans Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock D.L. Evans Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full D.L. Evans Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11666) · FFIEC NIC profile (RSSD 543262)