Evolve Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 34.6% in Q2 2026, from $17.2M to $11.2M. It was the largest change from Q1 2026 among the key lines here. Evolve Bank & Trust ranks 26th of 78 Arkansas banks on loan-to-deposit ratio, in the upper half at 91.73% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Evolve Bank & Trust sits 3.53 points higher, at 91.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $899.8M |
| Net loans and leases | $888.4M |
| Loans held for sale | $11.2M |
| Loans to total assets | 75.70% |
| Loan-to-deposit ratio | 91.73% |
| Net loans to equity capital | 5.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.46% |
| Multifamily (5+ residential) | 2.79% |
| Commercial and industrial | 25.84% |
| Consumer | 6.52% |
| Credit cards | 5.71% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 100.36% |
| Construction concentration (Tier 1 capital + allowance) | 39.88% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.33% |
| Interest income on loans | $14.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $974.5M | $1.23B | 16.58% | 18.65% | 6.75% |
| Q4 2023 | $1.04B | $989.3M | 14.89% | 20.65% | 7.28% |
| Q1 2024 | $1.06B | $1.12B | 15.43% | 20.63% | 8.78% |
| Q2 2024 | $1.03B | $1.14B | 16.16% | 21.20% | 6.52% |
| Q3 2024 | $1.05B | $1.18B | 15.51% | 21.26% | 8.56% |
| Q4 2024 | $1.04B | $1.33B | 16.16% | 23.56% | 8.34% |
| Q1 2025 | $980.0M | $1.20B | 17.53% | 24.66% | 5.60% |
| Q2 2025 | $950.7M | $1.14B | 17.98% | 23.73% | 5.21% |
| Q3 2025 | $942.1M | $1.07B | 17.67% | 23.59% | 5.16% |
| Q4 2025 | $888.7M | $1.07B | 18.85% | 25.08% | 7.26% |
| Q1 2026 | $897.9M | $997.3M | 19.05% | 25.18% | 6.88% |
| Q2 2026 | $899.8M | $980.9M | 18.46% | 25.84% | 6.52% |
Evolve Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Evolve Bank & Trust, freeSource: Call Report Schedule RC-C, 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)