BlastPoint's Banking Scorecard
Evolve Bank & Trust
Designations: ✓ Community bank
West Memphis, AR
10 branches across AR · TN
Evolve Bank & Trust has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.94% above tier average
- + Non-Interest Income / Assets 1.04% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 40.2% in tier
- - Capital Constraint: Bottom 51.4% in tier
- - Return on Assets 1.50% below tier average
- - Efficiency Ratio 43.13% above tier average
- - Net Interest Margin 0.07% below tier average
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
-24.4% YoY
-6.1% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$885.0M
-8.2% YoY
+1.2% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$997.3M
-16.8% YoY
-7.0% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.9% in tier |
| Return on Assets ? |
-0.14%
+86.4% YoY
+31.3% QoQ
|
-1.50% |
1.37%
+19.6% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.9% in tier |
| Net Interest Margin ? |
3.75%
+67.0% YoY
+32.1% QoQ
|
-0.07% |
3.82%
+6.9% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
104.20%
-11.1% YoY
-0.2% QoQ
|
+43.13% |
61.06%
-4.6% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate ? |
0.98%
+35.2% YoY
+14.0% QoQ
|
+0.09% |
0.89%
+14.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
88.74%
+10.3% YoY
+8.7% QoQ
|
+4.53% |
84.20%
+0.3% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
39.23%
+60.5% YoY
+5.5% QoQ
|
+17.94% |
21.29%
-2.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
Top 5.1% in tier |
| Nonperforming Asset Ratio ? |
0.78%
+67.1% YoY
+21.2% QoQ
|
+0.10% |
0.67%
+15.6% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
17.89%
+21.4% YoY
+0.9% QoQ
|
+2.73% |
15.16%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 12.0% in tier |
| Non-Interest Income / Assets ? |
1.30%
-6.0% YoY
-76.9% QoQ
|
+1.04% |
0.26%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
Top 2.1% in tier |
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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 (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.