Evolve Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 81.70 percentage points in Q2 2026, from 148.94% to 67.24%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Evolve Bank & Trust is 2nd from the bottom among 78 Arkansas banks, -0.14% (Q2 2026). Evolve Bank & Trust's return on assets of -0.14% is well below the 1.27% median for banks in the $1B-10B asset tier, a gap of 1.41 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.72% |
| Tier 1 risk-based capital ratio | 17.72% |
| Total risk-based capital ratio | 18.97% |
| Tier 1 leverage ratio | 12.88% |
| Equity capital to assets | 13.58% |
| Tangible equity to tangible assets | 13.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.88% |
| Non-performing assets ratio | 1.47% |
| Net charge-off ratio | 0.16% |
| Texas ratio | 10.28% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 67.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.14% |
| Return on equity | -1.07% |
| Net interest margin | 3.95% |
| Efficiency ratio | 106.69% |
| Yield on earning assets | 5.79% |
| Cost of funds | 2.13% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.73% |
| Core deposits to total deposits | 68.27% |
| Brokered deposits to total deposits | 32.36% |
| Deposits to assets | 82.52% |
| Securities to assets | 8.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.21% | 14.21% | 15.31% | 10.69% | 1.90% |
| Q4 2023 | 13.42% | 13.42% | 14.67% | 10.39% | 0.88% |
| Q1 2024 | 13.86% | 13.86% | 15.11% | 10.28% | 0.78% |
| Q2 2024 | 14.79% | 14.79% | 16.04% | 10.39% | 1.05% |
| Q3 2024 | 14.29% | 14.29% | 15.55% | 9.80% | 0.45% |
| Q4 2024 | 15.17% | 15.17% | 16.43% | 10.04% | 0.36% |
| Q1 2025 | 14.73% | 14.73% | 15.99% | 10.25% | -1.12% |
| Q2 2025 | 14.40% | 14.40% | 15.66% | 10.39% | -1.21% |
| Q3 2025 | 14.88% | 14.88% | 16.14% | 10.08% | -1.48% |
| Q4 2025 | 17.73% | 17.73% | 18.99% | 11.91% | 3.32% |
| Q1 2026 | 17.89% | 17.89% | 19.14% | 12.70% | -0.14% |
| Q2 2026 | 17.72% | 17.72% | 18.97% | 12.88% | -0.14% |
Evolve Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Evolve Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)