BlastPoint's Banking Scorecard

D. L. Evans Bank

$1B-$10B Specialty: Commercial ID FDIC cert 11666

Burley, ID

41 branches across ID · UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 5 in ID.
Deposits +7.1% year over year ($3.2B on the books).
Delinquency rate 0.27%.
Return on assets 1.34%.
Efficiency ratio 51.48% vs a 59.73% peer average.
Loan-to-deposit ratio 56.39% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 5 in ID

View $1B-$10B leaderboard (ID) →

D. L. Evans Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 8.24% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.8% in tier
- Capital Thin: Bottom 25.2% in tier
- Credit Risk Growth: Bottom 28.1% in tier
- Net Interest Margin 0.48% below tier average

Get updates when D. L. Evans Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Total Assets ?	$3.7B +4.2% YoY +1.1% QoQ	+$908.6M	$2.8B -0.6% YoY	$1.2B +4.9% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$1.8B +6.9% YoY +2.0% QoQ	-$178.0M	$2.0B -0.3% YoY	$741.9M +9.8% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$3.2B +7.1% YoY +1.0% QoQ	+$847.2M	$2.3B -0.5% YoY	$1.0B +5.9% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.34% +30.7% YoY -5.3% QoQ	-0.05%	1.39% +17.0% YoY	1.42% +7.8% YoY	1.30% +12.1% YoY	58%
Net Interest Margin ?	3.39% +8.2% YoY +2.3% QoQ	-0.48%	3.87% +6.2% YoY	4.21% +5.4% YoY	3.95% +4.9% YoY	31%
Efficiency Ratio ?	51.48% -13.3% YoY +1.4% QoQ	-8.24%	59.73% -12.6% YoY	57.44% -5.2% YoY	70.05% +2.5% YoY	74%
Delinquency Rate ?	0.27% +17.7% YoY +7.6% QoQ	-0.60%	0.87% +11.7% YoY	1.19% +207.4% YoY	0.98% +16.3% YoY	72%
Loan-to-Deposit Ratio ?	56.39% -0.2% YoY +1.0% QoQ	-28.65%	85.04% -0.1% YoY	74.07% +1.8% YoY	79.03% +2.3% YoY	Top 5.5% in tier
Non-Interest-Bearing Deposit Share ?	31.49% -5.2% YoY -1.8% QoQ	+10.22%	21.27% -1.5% YoY	28.32% +5.3% YoY	21.98% -0.6% YoY	Top 12.2% in tier
Nonperforming Asset Ratio ?	0.13% +20.7% YoY +8.5% QoQ	-0.54%	0.67% +11.7% YoY	0.71% +195.7% YoY	0.69% +15.8% YoY	82%
Tier 1 Capital Ratio ?	10.38% +4.1% YoY +2.3% QoQ	-4.46%	14.84% -0.4% YoY	15.84% +2.7% YoY	17.09% +0.8% YoY	Bottom 9.3% in tier
Non-Interest Income / Assets ?	0.36% +57.7% YoY +45.3% QoQ	-0.17%	0.53% +2.5% YoY	0.23% +7.1% YoY	0.66% +5.2% YoY	64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Noninterest-Bearing	31.5% -1.7pp YoY -0.6pp QoQ	+10.1pp	21.4%	28.3%	22.2%	88%
Brokered Deposits	n/a	n/a	9.5%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
C&I	7.5% -0.8pp YoY -0.3pp QoQ	-6.5pp	14.0%	16.5%	12.5%	31%
CRE	52.7% +0.7pp YoY -0.6pp QoQ	+2.7pp	50.0%	45.4%	41.4%	59%
1-4 Family	19.6% +1.4pp YoY +0.1pp QoQ	-6.8pp	26.4%	20.7%	31.3%	41%
Consumer	2.0% -0.1pp YoY 0.0pp QoQ	-2.7pp	4.7%	7.4%	5.0%	63%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.1%	19.7%	n/a
Leverage Ratio	10.4% +0.4pp YoY +0.2pp QoQ	-0.9pp	11.3%	12.6%	12.6%	47%
Total Capital Ratio	n/a	n/a	16.7%	18.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Full-Time Employees	448 -3 (-0.7%) YoY -1 (-0.2%) QoQ	+134	313	143	482	81%
Assets per Employee ($)	$8.3M +4.9% YoY +1.4% QoQ	-$2.2M	$10.5M	$8.0M	$8.8M	45%
Branch Count	41 0 YoY 0 QoQ	+21	20	11	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.0%	0.4%	29%
Nonaccrual	0.3% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.8%	1.3%	1.0%	28%
Allowance Coverage	5.33x -9.1% YoY -7.1% QoQ	-13.38x	18.71x	25.14x	20.23x	80%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.2%	21%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
ROE	14.8% +2.5pp YoY -1.0pp QoQ	+2.2pp	12.6%	11.8%	11.6%	72%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.4%	1.7%	37%
Net Income ($, YTD)	$24.7M +39.1% YoY — QoQ	+$5.5M	$19.2M	$8.6M	$40.4M	77%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#69 of 492 • Bottom 13.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.27%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Capital Thin

risk

#57 of 222 • Bottom 25.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.38%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Risk Growth

risk

#114 of 402 • Bottom 28.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 56.39%

Peer Median: 85.04%

#50 of 885 Top 5.5% in $1B-$10B

109

Non-Interest-Bearing Deposit Share

funding

Value: 31.49%

Peer Median: 21.27%

#109 of 885 Top 12.2% in $1B-$10B

164

Nonperforming Asset Ratio

credit_quality

Value: 0.13%

Peer Median: 0.67%

#164 of 885 Top 18.4% in $1B-$10B

185

Total Deposits

size

Value: $3.17B

Peer Median: $2.32B

#185 of 885 Top 20.8% in $1B-$10B

192

Total Assets

size

Value: $3.70B

Peer Median: $2.79B

#192 of 885 Top 21.6% in $1B-$10B

Top Weaknesses (1 metrics)

804

Tier 1 Capital Ratio

capital

Value: 10.38%

Peer Median: 14.84%

#804 of 885 Bottom 9.3% in $1B-$10B