Evolve Bank & Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Equity capital to average assets edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 13.19%. Evolve Bank & Trust ranks 10th of 37 Arkansas banks on CET1 ratio, in the upper half at 17.72% (Q2 2026). Evolve Bank & Trust reported 17.72% on CET1 ratio for Q2 2026, 4.23 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.72% |
| Tier 1 risk-based capital ratio | 17.72% |
| Total risk-based capital ratio | 18.97% |
| Tier 1 leverage ratio | 12.88% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $157.0M |
| Tier 1 capital | $157.0M |
| Total risk-based capital | $168.0M |
| Total equity capital | $161.4M |
| Risk-weighted assets | $885.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.58% |
| Tangible equity to tangible assets | 13.39% |
| Equity capital to average assets | 13.19% |
| Internal capital growth rate | -1.07% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $64.8M |
| Retained earnings | $96.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$241K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 14.21% | 14.21% | 15.31% | 10.69% | $1.06B |
| Q4 2023 | 13.42% | 13.42% | 14.67% | 10.39% | $1.15B |
| Q1 2024 | 13.86% | 13.86% | 15.11% | 10.28% | $1.13B |
| Q2 2024 | 14.79% | 14.79% | 16.04% | 10.39% | $1.08B |
| Q3 2024 | 14.29% | 14.29% | 15.55% | 9.80% | $1.13B |
| Q4 2024 | 15.17% | 15.17% | 16.43% | 10.04% | $1.07B |
| Q1 2025 | 14.73% | 14.73% | 15.99% | 10.25% | $1.07B |
| Q2 2025 | 14.40% | 14.40% | 15.66% | 10.39% | $1.05B |
| Q3 2025 | 14.88% | 14.88% | 16.14% | 10.08% | $971.8M |
| Q4 2025 | 17.73% | 17.73% | 18.99% | 11.91% | $892.9M |
| Q1 2026 | 17.89% | 17.89% | 19.14% | 12.70% | $881.2M |
| Q2 2026 | 17.72% | 17.72% | 18.97% | 12.88% | $885.6M |
Evolve Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Evolve Bank & Trust, freeSource: Call Report Schedule RC-R, 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 Evolve Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1299) · FFIEC NIC profile (RSSD 592448)