Evolve Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Evolve Bank & Trust of West Memphis, AR against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.14% | 1.34% | -1.48% | 2nd bottom |
| ROAE | -1.07% | 12.40% | -13.47% | 2nd bottom |
| Net Interest Margin | 3.95% | 3.83% | +0.12% | 65th above |
| Efficiency Ratio | 106.69% | 57.84% | +48.85% | 1st bottom |
| PPNR / Avg Assets | -0.56% | — | — | 1st bottom |
| Yield on Earning Assets | 5.79% | 5.71% | +0.08% | 65th above |
| Cost of Funds | 2.13% | 2.02% | +0.11% | 41st below |
| Net Interest Spread | 2.31% | — | — | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.77% | 1.00% | +0.77% | 14th bottom |
| NPA / Total Assets | 1.39% | — | — | 15th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.16% | 0.43% | -0.27% | 21st bottom |
| ACL / Total Loans | 1.27% | — | — | 65th above |
| ACL / NPLs (Coverage) | 71.43% | — | — | 17th bottom |
| Texas Ratio | 10.28% | 5.47% | +4.81% | 16th bottom |
| Provision / NCO | -189.28% | — | — | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.72% | 14.99% | +2.73% | 85th top |
| Tier 1 Ratio | 17.72% | 15.02% | +2.70% | 85th top |
| Total Capital Ratio | 18.97% | — | — | 86th top |
| Leverage Ratio | 12.88% | 11.11% | +1.77% | 84th top |
| Equity / Assets | 13.58% | 11.02% | +2.56% | 88th top |
| TCE / Tangible Assets | 13.39% | — | — | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.73% | 86.99% | +4.74% | 38th below |
| Core Deposit Ratio | 68.27% | 85.57% | -17.30% | 7th bottom |
| Uninsured Deposit Ratio | 40.73% | 33.19% | +7.54% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -18.55% | — | — | 0th bottom |
| Loan Growth (Y/Y) | -5.35% | — | — | 5th bottom |
| Deposit Growth (Y/Y) | -14.02% | — | — | 1st bottom |
See Evolve Bank & Trust's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Evolve Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Evolve Bank & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Evolve Bank & Trust peer analysis.