BlastPoint's Banking Scorecard

Evolve Bank & Trust

$1B-$10B Specialty: Commercial AR FDIC cert 1299

Designations: ✓ Community bank

West Memphis, AR

10 branches across AR · TN

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 20 in AR.
Deposits -14.0% year over year ($980.9M on the books).
Delinquency rate 1.91%.
Return on assets -0.14%.
Efficiency ratio 105.44% vs a 59.73% peer average.
Loan-to-deposit ratio 90.57% 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 20 in AR

View $1B-$10B leaderboard (AR) →

Evolve Bank & Trust has 2 strengths but faces 6 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

+ Non-Interest-Bearing Deposit Share 15.88% above tier average
+ Non-Interest Income / Assets 1.99% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.3% in tier
- Liquidity Overhang: Bottom 39.0% in tier
- Capital Constraint: Bottom 43.8% in tier
- Return on Assets 1.53% below tier average
- Efficiency Ratio 45.71% above tier average
- Delinquency Rate 1.04% above tier average

Get updates when Evolve Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$1.2B -18.6% YoY -1.6% QoQ	-$1.6B	$2.8B -0.6% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	16%
Total Loans ?	$888.4M -5.0% YoY +0.4% QoQ	-$1.1B	$2.0B -0.3% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$980.9M -14.0% YoY -1.6% QoQ	-$1.3B	$2.3B -0.5% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	Bottom 13.9% in tier
Return on Assets ?	-0.14% +86.9% YoY -2.0% QoQ	-1.53%	1.39% +17.0% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	Bottom 1.4% in tier
Net Interest Margin ?	3.90% +55.7% YoY +4.0% QoQ	+0.03%	3.87% +6.2% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	105.44% -12.0% YoY +1.2% QoQ	+45.71%	59.73% -12.6% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	Bottom 0.6% in tier
Delinquency Rate ?	1.91% +181.2% YoY +95.1% QoQ	+1.04%	0.87% +11.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	Bottom 9.9% in tier
Loan-to-Deposit Ratio ?	90.57% +10.5% YoY +2.1% QoQ	+5.53%	85.04% -0.1% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	37.15% +41.2% YoY -5.3% QoQ	+15.88%	21.27% -1.5% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	Top 6.6% in tier
Nonperforming Asset Ratio ?	1.47% +217.3% YoY +89.7% QoQ	+0.80%	0.67% +11.7% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	Bottom 10.7% in tier
Tier 1 Capital Ratio ?	17.72% +23.0% YoY -0.9% QoQ	+2.88%	14.84% -0.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	Top 12.4% in tier
Non-Interest Income / Assets ?	2.52% -7.0% YoY +93.9% QoQ	+1.99%	0.53% +2.5% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	Top 2.1% in tier

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 (AR)	National Avg	Tier Percentile
Noninterest-Bearing	37.1% +10.8pp YoY -2.1pp QoQ	+15.8pp	21.4%	19.6%	22.2%	93%
Brokered Deposits	32.4% +7.3pp YoY -0.9pp QoQ	+22.9pp	9.5%	7.2%	8.5%	96%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	26.2% +2.1pp YoY +0.6pp QoQ	+12.2pp	14.0%	12.7%	12.5%	88%
CRE	29.1% +2.5pp YoY -0.7pp QoQ	-20.9pp	50.0%	41.0%	41.4%	11%
1-4 Family	38.8% -5.8pp YoY +0.2pp QoQ	+12.4pp	26.4%	28.1%	31.3%	80%
Consumer	6.6% +1.3pp YoY -0.4pp QoQ	+1.9pp	4.7%	4.5%	5.0%	85%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	17.7% +3.3pp YoY -0.2pp QoQ	+2.1pp	15.6%	15.1%	19.7%	86%
Leverage Ratio	12.9% +2.5pp YoY +0.2pp QoQ	+1.6pp	11.3%	11.9%	12.6%	84%
Total Capital Ratio	19.0% +3.3pp YoY -0.2pp QoQ	+2.3pp	16.7%	16.3%	20.8%	86%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	359 -22 (-5.8%) YoY -14 (-3.8%) QoQ	+45	313	315	482	74%
Assets per Employee ($)	$3.3M -13.6% YoY +2.2% QoQ	-$7.2M	$10.5M	$6.7M	$8.8M	1%
Branch Count	10 0 YoY 0 QoQ	-10	20	25	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	0.0pp	0.2%	0.1%	0.4%	79%
Nonaccrual	1.8% +1.2pp YoY +0.9pp QoQ	+1.0pp	0.8%	1.1%	1.0%	90%
Allowance Coverage	0.67x -72.2% YoY -54.9% QoQ	-18.04x	18.71x	4.69x	20.23x	11%
Net Charge-off Rate (YTD)	0.2% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.2%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	-1.1% +9.8pp YoY 0.0pp QoQ	-13.7pp	12.6%	12.3%	11.6%	1%
Cost of Funds (YTD)	2.0% -1.0pp YoY -0.1pp QoQ	0.0pp	1.9%	2.0%	1.7%	53%
Net Income ($, YTD)	$-865000.0 +90.1% YoY — QoQ	-$20.1M	$19.2M	$16.0M	$40.4M	1%

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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)

Liquidity Strain

risk

#2 of 361 • Bottom 0.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.57%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Liquidity Overhang

risk

#68 of 172 • Bottom 39.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.72%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 90.57%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Capital Constraint

risk

#15 of 32 • Bottom 43.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 90.57%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 17.72%

(Tier: 14.84%, National: 17.09%)

better than tier avg

32 of 32 Mid-Market banks match · 143 nationally

→ Stable -5 banks QoQ | QoQ rank improving

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 (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.52%

Peer Median: 0.53%

#20 of 885 Top 2.1% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 37.15%

Peer Median: 21.27%

#59 of 885 Top 6.6% in $1B-$10B

111

Tier 1 Capital Ratio

capital

Value: 17.72%

Peer Median: 14.84%

#111 of 885 Top 12.4% in $1B-$10B

Top Weaknesses (7 metrics)

881

Efficiency Ratio

profitability

Value: 105.44%

Peer Median: 59.73%

#881 of 885 Bottom 0.6% in $1B-$10B

874

Return on Assets

profitability

Value: -0.14%

Peer Median: 1.39%

#874 of 885 Bottom 1.4% in $1B-$10B

796

Delinquency Rate

credit_quality

Value: 1.91%

Peer Median: 0.87%

#796 of 882 Bottom 9.9% in $1B-$10B

791

Nonperforming Asset Ratio

credit_quality

Value: 1.47%

Peer Median: 0.67%

#791 of 885 Bottom 10.7% in $1B-$10B

763

Total Deposits

size

Value: $980.92M

Peer Median: $2.32B

#763 of 885 Bottom 13.9% in $1B-$10B

741

Total Assets

size

Value: $1.19B

Peer Median: $2.79B

#741 of 885 Bottom 16.4% in $1B-$10B

684

Total Loans

size

Value: $888.41M

Peer Median: $1.96B

#684 of 885 Bottom 22.8% in $1B-$10B