Evabank
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Data as of · sourced from FFIEC call reports. How we update
Evabank is an FDIC-insured commercial bank headquartered in Eva, AL, established in 1986 (FDIC certificate 26799), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $490.6M, up 5.1% from Q2 2025, the 29th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 27.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26799
- Headquarters
- Eva, AL
- Established
- 1986
- Total assets, Q2 2026
- $490.6M
- Assets vs Q2 2025
- +5.1%
- Tier 1 leverage ratio, Q2 2026
- 27.85%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 062203719
- Asset rank in state
- 29th of 93 in Alabama
Evabank is one of the more profitable banks of its size. The Eva, Alabama bank had $491 million in assets at June 30, 2026, up 5.1% from a year earlier. It earns about $2.57 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.61% of loans, down from 2.40% a year earlier. Loans are outrunning deposits: over the year loans rose 8.3% and deposits rose 4.7%. Funding is the softer spot: it pays an average of 2.86% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Evabank reported a return on assets of 2.57%, a nonperforming-loan ratio of 1.61% and a Texas ratio of 5.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Evabank is the 29th largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets rose 0.1% to $490.6M, loans rose 2.1% and deposits fell 0.6%. Owner-occupied commercial real estate loans made up 32.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.5%. The FDIC Summary of Deposits lists 7 offices for it, in 6 cities in AL; its Cullman 2 offices book 49% of its branch deposits. On its Q2 2026 call report, Evabank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4113 Eva Rd, Eva, AL 35621
- County
- Morgan
- Metro Area
- Decatur, AL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 13, 1986
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $340.6M
- Allowance for credit losses
- $9.1M
- Net charge-offs (YTD)
- $779K
- Average total assets
- $482.5M
- Average total loans
- $392.6M
- Average interest-bearing deposits
- $329.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 13, 1986
- FDIC Cert
- 26799
- Fed RSSD
- 498531
- Website
- www.evabank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Evabank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Evabank's total assets ran between $400.4M (Q3 2023) and $490.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$490.6M total assets against $466.8M; $352.0M total liabilities against $336.8M.
$388.5M net loans and leases against $358.8M; $340.6M total deposits against $325.2M.
$76.0M securities against $78.5M; $13.7M cash and balances due against $18.6M.
$9.6M total interest income against $9.5M; $2.5M total interest expense against $2.7M.
$7.1M net interest income against $6.8M.
$192K total noninterest income against $19K; $3.0M total noninterest expense against $2.1M.
$270K provision for credit losses against $693K.
$3.1M net income against $3.2M.
2.57% return on assets against 2.78%; 6.14% net interest margin against 6.11%.
27.85% tier 1 leverage ratio against 27.59%.
Inside the full Evabank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Evabank rankings
Its closest position to the top of a national ranking is 151 of 3,611, for ROA; its furthest is 1,805 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.01% (Q4 2024) to 2.78% (Q2 2025) and its net interest margin ran from 5.67% (Q1 2025) to 6.25% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.85% | 2.57% | 1.61% | 5.78% | 6.14% |
| Q1 2026 | 27.59% | 2.54% | 1.79% | 5.72% | 6.16% |
| Q4 2025 | 27.88% | 2.58% | 2.18% | 5.98% | 6.16% |
| Q3 2025 | 27.93% | 2.66% | 1.85% | 5.83% | 6.25% |
| Q2 2025 | 27.59% | 2.78% | 2.40% | 7.09% | 6.11% |
| Q1 2025 | 27.64% | 2.24% | 1.83% | 5.13% | 5.67% |
| Q4 2024 | 27.74% | 2.01% | 1.48% | 4.00% | 5.79% |
| Q3 2024 | 27.97% | 2.30% | 1.43% | 3.76% | 6.08% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Cherokee Office Branch | Cullman , AL | 35055 | $114.6M |
| Clairmont Branch | Birmingham , AL | 35205 | $56.1M |
| Cullman Branch | Cullman , AL | 35058 | $52.1M |
| Evabank (main office) | Eva , AL | 35621 | $43.0M |
| Decatur Branch | Decatur , AL | 35603 | $41.4M |
| Madison Branch | Madison , AL | 35758 | $23.3M |
| Arab Branch | Arab , AL | 35016 | $10.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AL, rank 55 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $197K approved, $66K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Evabank
What are Evabank's total assets?
As of the Q2 2026 filing, Evabank reported total assets of $490.6 million in its FFIEC call report.
Where is Evabank headquartered?
It is headquartered in Eva, AL, United States.
When was Evabank founded?
It was established in 1986, per the FDIC institution directory.
Is Evabank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26799). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Evabank?
Evabank's primary federal regulator is the FDIC.
How many branches does Evabank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Evabank's Texas Ratio?
Its Texas Ratio is 5.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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