Evolve Bank & Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 7.6% lower than in Q1 2026, at $5.3M. Evolve Bank & Trust ranks 47th of 78 Arkansas banks on net interest margin, in the lower half at 3.95% (Q2 2026). Evolve Bank & Trust reported 3.95% on net interest margin for Q2 2026, 0.24 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 6.33% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 3.48% |
| Cost of interest-bearing liabilities | 3.48% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 2.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.1M |
| Total interest expense | $5.3M |
| Interest expense on deposits | $5.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.27% | 3.06% | 2.07% | 5.74% | 3.60% |
| Q4 2023 | 5.89% | 3.64% | 2.46% | 6.17% | 3.94% |
| Q1 2024 | 5.81% | 3.90% | 2.15% | 6.11% | 4.13% |
| Q2 2024 | 6.02% | 3.87% | 2.38% | 6.40% | 4.18% |
| Q3 2024 | 6.10% | 4.02% | 2.34% | 6.43% | 4.26% |
| Q4 2024 | 5.66% | 3.52% | 2.35% | 6.29% | 4.28% |
| Q1 2025 | 5.52% | 3.33% | 2.38% | 6.19% | 4.09% |
| Q2 2025 | 5.76% | 3.16% | 2.80% | 6.37% | 4.08% |
| Q3 2025 | 5.89% | 3.16% | 2.96% | 6.63% | 4.10% |
| Q4 2025 | 5.89% | 2.64% | 3.45% | 6.41% | 3.87% |
| Q1 2026 | 5.66% | 2.17% | 3.69% | 6.38% | 3.74% |
| Q2 2026 | 5.79% | 2.13% | 3.95% | 6.33% | 3.67% |
Evolve Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Evolve Bank & Trust, freeSource: Call Report Schedules RI and RC-K, 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)