Evolve Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Evolve Bank & Trust is an FDIC-insured commercial bank headquartered in West Memphis, AR, established in 1925 (FDIC certificate 1299), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.19B, down 18.6% from Q2 2025, the 20th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 17.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1299
- Headquarters
- West Memphis, AR
- Established
- 1925
- Total assets, Q2 2026
- $1.19B
- Assets vs Q2 2025
- -18.6%
- CET1 ratio, Q2 2026
- 17.72%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 084106768
- Latest call report
- Q2 2026, FFIEC 041 · Evolve Bank & Trust call report
- Holding company
- EVOLVE BANCORP, INC
- Asset rank in state
- 20th of 78 in Arkansas
Problem loans are rising at Evolve Bank & Trust. Based in West Memphis, Arkansas, it had $1.2 billion in assets at June 30, 2026, down 18.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.88% of loans from 0.67% a year earlier. It loses about $0.14 a year on every $100 of assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also spends about 107 cents to bring in each dollar of revenue, about double the median of 58 cents for banks its size.
It lost $434,000 in the quarter. The commercial and industrial book ($233 million) is worsening: 4.86% of it is past due or on nonaccrual, up from 1.44% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.3% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
As of June 30, 2026, Evolve Bank & Trust reported a CET1 capital ratio of 17.72%, a return on assets of -0.14%, a nonperforming-loan ratio of 1.88% and a Texas ratio of 10.28%. The figures come from its call report filed with the FFIEC.
Evolve Bank & Trust ranks as the 20th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.6% to $1.19B, loans rose 0.2% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.3% of total loans, followed by commercial and industrial loans at 25.8%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities across 2 states; its West Memphis office books 89% of its branch deposits. By the capital ratios in its Q2 2026 call report, Evolve Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 Shoppingway Blvd, West Memphis, AR 72301
- County
- Crittenden
- Metro Area
- Memphis, TN-Ms-Ar
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- June 5, 1925
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 359
- Domestic deposits
- $980.9M
- Allowance for credit losses
- $11.4M
- Net charge-offs (YTD)
- $849K
- Average total assets
- $1.22B
- Average total loans
- $890.8M
- Average interest-bearing deposits
- $621.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1299
- Fed RSSD
- 592448
- Website
- www.getevolved.com →
- Parent Holding Company
- EVOLVE BANCORP, INC (RSSD 1142411)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Evolve Bank & Trust's total assets ran between $1.19B (Q2 2026) and $1.81B (Q4 2024), and it earned a profit in 7 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.19B total assets against $1.46B; $1.03B total liabilities against $1.30B.
$888.4M net loans and leases against $935.3M; $980.9M total deposits against $1.14B.
$103.2M securities against $159.8M; $132.0M cash and balances due against $206.7M.
$16.7M total interest income against $19.4M; $5.3M total interest expense against $9.9M.
$11.4M net interest income against $9.4M.
$14.2M total noninterest income against $17.4M; $27.4M total noninterest expense against $33.0M.
-$1.1M provision for credit losses against -$155K.
-$434K net income against -$4.4M.
-0.14% return on assets against -1.21%; 3.95% net interest margin against 2.80%.
17.72% CET1 capital ratio against 14.40%; 12.88% tier 1 leverage ratio against 10.39%.
Inside the full Evolve Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEvolve Bank & Trust rankings
Its closest position to the top of a national ranking is 616 of 3,640, for Texas Ratio; its furthest is 3,571 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.48% (Q3 2025) to 3.32% (Q4 2025) and its net interest margin ran from 2.34% (Q3 2024) to 3.95% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.72% | -0.14% | 1.88% | 10.28% | 3.95% |
| Q1 2026 | 17.89% | -0.14% | 0.96% | 5.45% | 3.69% |
| Q4 2025 | 17.73% | 3.32% | 0.84% | 4.74% | 3.45% |
| Q3 2025 | 14.88% | -1.48% | 0.44% | 2.85% | 2.96% |
| Q2 2025 | 14.40% | -1.21% | 0.67% | 4.01% | 2.80% |
| Q1 2025 | 14.73% | -1.12% | 0.71% | 4.28% | 2.38% |
| Q4 2024 | 15.17% | 0.36% | 0.90% | 5.25% | 2.35% |
| Q3 2024 | 14.29% | 0.45% | 0.66% | 3.89% | 2.34% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Evolve Bank & Trust (main office) | West Memphis , AR | 72301 | $875.9M |
| Shady Grove Banking Center Branch | Memphis , TN | 38119 | $52.9M |
| Wynne Branch | Wynne , AR | 72396 | $23.9M |
| Jonesboro Banking Center Branch | Jonesboro , AR | 72401 | $16.5M |
| Parkin Banking Center Branch | Parkin , AR | 72373 | $11.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 2 against individuals associated with it
- June 15, 2022, Federal Reserve: Civil Money Penalty: Evolve Bank & Trust, West Memphis, Arkansas
- Period: Most recent institution action June 15, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.9% of deposits in AR, rank 26 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 45 loans, $47.1M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Evolve Bank & Trust
What are Evolve Bank & Trust's total assets?
As of the Q2 2026 filing, Evolve Bank & Trust reported total assets of $1.19 billion in its FFIEC call report.
Where is Evolve Bank & Trust headquartered?
It is headquartered in West Memphis, AR, United States.
When was Evolve Bank & Trust founded?
It was established in 1925, per the FDIC institution directory.
Is Evolve Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Evolve Bank & Trust?
Evolve Bank & Trust's primary federal regulator is the Federal Reserve.
What is Evolve Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.72% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Evolve Bank & Trust operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Evolve Bank & Trust's Texas Ratio?
Its Texas Ratio is 10.28% 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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