Bank Safety Analysis
Is Evolve Bank & Trust Safe? West Memphis, Arkansas
Based on its Q2 2026 call report, Evolve Bank & Trust meets every capital ratio test for well capitalized, its Texas ratio is 10.28%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of Evolve Bank & Trust and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 call report, Evolve Bank & Trust's CET1 ratio is 17.72%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q2 2026): 17.72%
- Tier 1 leverage ratio (Q2 2026): 12.88%
- Texas ratio (Q2 2026): 10.28%
- Noncurrent loans ratio (Q2 2026): 1.88%
Evolve Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #1299). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Evolve Bank & Trust is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. Analysis based on the Q2 2026 call report.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) climbed 0.92 percentage points in Q2 2026, from 0.96% to 1.88%. It was the largest change from Q1 2026 among the key lines here. 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. From Q3 2023 to Q2 2026, Evolve Bank & Trust's CET1 ratio ranged between 13.42% (Q4 2023) and 17.89% (Q1 2026) and its Texas ratio ranged between 2.71% (Q2 2024) and 10.28% (Q2 2026). Between Q2 2025 and Q2 2026, Evolve Bank & Trust's CET1 ratio rose from 14.40% to 17.72%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.67% to 1.88%, Texas ratio rose from 4.01% to 10.28% and return on assets rose from -1.21% to -0.14%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. The risk tier comes from the composite score; the 12-month figure rounds to zero for this bank, so it is not shown beside a tier above Low. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: $1B to $10B (941 banks) · Industry averages as of Q2 2026.
CET1 of 17.72% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 12.88% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.88% are elevated; merits closer attention.
Texas Ratio of 10.3% is well below the 100% historical failure threshold.
Efficiency ratio of 106.7% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 17.72% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 10.28% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.88% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | 40.73% | Watch at 50%, concern at 70% | Within range |
| Loan-to-deposit ratio BankRegReports band | 91.73% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 100.36% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 17.72% |
| Q1 2026 | 17.89% |
| Q4 2025 | 17.73% |
| Q3 2025 | 14.88% |
| Q2 2025 | 14.40% |
| Q1 2025 | 14.73% |
| Q4 2024 | 15.17% |
| Q3 2024 | 14.29% |
| Q2 2024 | 14.79% |
| Q1 2024 | 13.86% |
| Q4 2023 | 13.42% |
| Q3 2023 | 14.21% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 10.28% |
| Q1 2026 | 5.45% |
| Q4 2025 | 4.74% |
| Q3 2025 | 2.85% |
| Q2 2025 | 4.01% |
| Q1 2025 | 4.28% |
| Q4 2024 | 5.25% |
| Q3 2024 | 3.89% |
| Q2 2024 | 2.71% |
| Q1 2024 | 3.37% |
| Q4 2023 | 3.24% |
| Q3 2023 | 3.88% |
Evolve Bank & Trust by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 17.72% | 1.88% | 10.28% | -0.14% |
| Mar 31, 2026 | 17.89% | 0.96% | 5.45% | -0.14% |
| Dec 31, 2025 | 17.73% | 0.84% | 4.74% | 3.32% |
| Sep 30, 2025 | 14.88% | 0.44% | 2.85% | -1.48% |
| Jun 30, 2025 | 14.40% | 0.67% | 4.01% | -1.21% |
| Mar 31, 2025 | 14.73% | 0.71% | 4.28% | -1.12% |
| Dec 31, 2024 | 15.17% | 0.90% | 5.25% | 0.36% |
| Sep 30, 2024 | 14.29% | 0.66% | 3.89% | 0.45% |
| Jun 30, 2024 | 14.79% | 0.46% | 2.71% | 1.05% |
| Mar 31, 2024 | 13.86% | 0.49% | 3.37% | 0.78% |
| Dec 31, 2023 | 13.42% | 0.44% | 3.24% | 0.88% |
| Sep 30, 2023 | 14.21% | 0.64% | 3.88% | 1.90% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Evolve Bank & Trust FDIC insured?
Yes. Evolve Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #1299). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Evolve Bank & Trust well capitalized?
On its Q2 2026 call report, Evolve Bank & Trust's CET1 ratio is 17.72%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Evolve Bank & Trust's key safety ratios?
For Q2 2026, Evolve Bank & Trust reports CET1 17.72%, leverage 12.88%, Texas ratio 10.28%, noncurrent loans 1.88%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Evolve Bank & Trust fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Evolve Bank & Trust’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 1299) · FFIEC NIC profile (RSSD 592448)
Explore: Full Evolve Bank & Trust profile · Other banks in AR · Metric glossary · How the call report works