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Evolve Bank & Trust
West Memphis, AR · FDIC Certificate #1299 · Chartered 06/0
Total assets
$1.19B
Total deposits
$980.92M
Total equity
$161.38M
Net loans
$888.41M
Branches (offices)
5
Net income (YTD)
-$865.00K
Rank: #900 of 4,213 U.S. banks by assets · #20 of 78 in Arkansas. Assets changed -18.6% and deposits -14.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.14% |
| Return on equity | -1.07% |
| Net interest margin (YTD) | 3.90% |
| Equity to assets | 13.58% |
| Tier 1 leverage ratio | 12.88% |
| Uninsured deposits (share of deposits) | 40.7% |
| Noncurrent loans (share of loans) | 1.88% |
| Net charge-offs (share of loans) | 0.19% |
| Loans to deposits | 90.6% |
| Real estate loans (share of loans) | 68.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $604.31M | 68.0% | |
| Commercial & industrial | $232.53M | 26.2% | |
| Consumer / individual | $58.69M | 6.6% | |
| Construction & development | $67.14M | 7.6% | |
| Agricultural | $2.15M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.30B | $1.12B | $6.64M | $87.78M |
| Jun 2023 | $1.50B | $1.27B | $14.71M | $146.10M |
| Jun 2024 | $1.68B | $1.14B | $7.00M | $161.74M |
| Jun 2025 | $1.46B | $1.14B | -$8.76M | $156.24M |
| Jun 2026 | $1.19B | $980.92M | -$865.00K | $161.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $928.07M | 4 |
| Tennessee | $52.85M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $980.92M.
Similar-sized banks
Somerset Regal Bank ($1.19B) · Reading Co-Operative Bank ($1.19B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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