BlastPoint's Banking Scorecard
D. L. Evans Bank
Burley, ID
41 branches across ID · UT
D. L. Evans Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.05% above tier average
- + Efficiency Ratio 10.31% below tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 44.8% in tier
- - Net Interest Margin 0.50% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.7B
+8.3% YoY
-0.5% QoQ
|
+$844.5M |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$1.8B
+9.6% YoY
+1.2% QoQ
|
-$214.6M |
$2.0B
+0.6% YoY
|
$721.8M
+11.9% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$3.1B
+9.8% YoY
-0.3% QoQ
|
+$791.5M |
$2.3B
-0.3% YoY
|
$1.0B
+7.3% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.42%
+43.8% YoY
+27.2% QoQ
|
+0.05% |
1.37%
+19.6% YoY
|
1.36%
+10.3% YoY
|
1.23%
+13.4% YoY
|
65% |
| Net Interest Margin ? |
3.31%
+8.1% YoY
+0.9% QoQ
|
-0.50% |
3.82%
+6.9% YoY
|
4.13%
+5.6% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
50.75%
-16.4% YoY
-11.6% QoQ
|
-10.31% |
61.06%
-4.6% YoY
|
58.29%
-6.4% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
0.25%
-5.4% YoY
+6.7% QoQ
|
-0.64% |
0.89%
+14.1% YoY
|
1.10%
+336.8% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
55.83%
-0.1% YoY
+1.4% QoQ
|
-28.37% |
84.20%
+0.3% YoY
|
73.00%
+1.9% YoY
|
76.70%
+0.9% YoY
|
Top 5.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.06%
-1.8% YoY
-4.3% QoQ
|
+10.77% |
21.29%
-2.5% YoY
|
28.05%
+0.2% YoY
|
22.01%
-1.2% YoY
|
Top 12.4% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-4.2% YoY
+8.4% QoQ
|
-0.55% |
0.67%
+15.6% YoY
|
0.64%
+322.0% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
10.15%
+0.6% YoY
+1.4% QoQ
|
-5.01% |
15.16%
+2.0% YoY
|
16.15%
+4.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.8% in tier |
| Non-Interest Income / Assets ? |
0.25%
+114.1% YoY
-50.6% QoQ
|
-0.01% |
0.26%
+1.6% YoY
|
0.12%
+4.7% YoY
|
0.32%
+4.1% YoY
|
80% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.